The Bananas explore their town of Cuddlestown with their best friends Rat In A Hat and teddies - Lulu, Morgan and Amy. Rat is telling fibs again. But he comes unstuck when he boasts to the Bananas that he's a great surfer. The word soon spreads and before he can say "cheese and whiskers", everyone in Cuddlestown is on the beach to watch him do his surfing tricks. He will need a miracle to transform himself into a water rat. How is Rat going to get out of this one?