At the same time, Meyers goes to the apartment to discover Baker's body and later has to inform Baker's wife of his death. He and Annie hide out in a parking garage until they lose Nivens, and Tom hotwires another car to get away. Nivens and Hall pursue them on the road until Tom's car crashes. She is highly dismayed at this news, even as Tom tries to be forthcoming about his intentions. He tells Annie the truth but says he truly wants to do right by her. Tom drives Annie to safety, but he is forced to come clean then and there about his past as a thief. Meanwhile, Nivens and Hall drive away trying to cover up the story, with Nivens wanting to frame Tom. Though she is horrified, Tom tells her to run as they get away from the corrupt agents. Tom fights Nivens and Hall, leading him to fall out a window with Nivens, just as Annie is walking by. On impulse, Nivens shoots and kills Baker. Nivens pulls out his gun in an attempt to execute Tom right there and steal the money, but the plan is interrupted when Baker shows up at the apartment. On their way out, the agents run into Annie, and they lie by saying they know Tom. Nivens tries to get Hall in on a scheme where they pocket the money themselves, since Nivens knows Hall needs extra money to support his family. The agents go to the storage unit and are surprised to discover that Tom was telling the truth since he has millions of dollars stashed there. When the two agents arrive at Tom's apartment, he tells them about a storage unit containing all the money he has stashed from past robberies. Unconvinced, Baker sends other agents Nivens (Jai Courtney) and Hall (Anthony Ramos) to interview Tom. He tells them he is in love with Annie and that he wants a fresh start. Since the FBI has gotten multiple Bandit confessions, they don't believe him and ask why he wants to turn himself in. Moments later, Tom calls the office to turn himself in and reveal himself as the In and Out Bandit, as well as complain that he hates that moniker. He tells his superior, Agent Baker (Robert Patrick), that he is going through a divorce, and that his wife is letting him keep the dog. In the city, FBI Agent Meyers (Jeffrey Donovan) goes to work with his dog. She likes the place, and he is preparing to create a stable future for the two of them. He brings her to an apartment he wants to buy for them, but they are technically breaking in. One year later, Tom and Annie are in a relationship. As Tom prepares to make an honest living, he finds himself chatting Annie up, and she seems to find him charming. He later goes to find work at a self-storage warehouse where he meets Annie (Kate Walsh), a grad student. Tom Carter, AKA the "In and Out Bandit" (Liam Neeson) breaks into a safe, as this is the last heist he is planning to undertake. A cat and mouse game ensues, with Tom outsmarting Nivens and Hall, while Baker's partner Sean Meyers gradually catches up and Annie gets caught in the middle. To partner Ramon Hall's horror, Nivens steals the cash as their 'pension fund' and when senior agent Samuel Baker surprise-checks and realizes its' a setup, murders that witness. Agent John Nivens reluctantly comes check out a presumed umpteenth fake I&O, but he knows real inside info, and hands the key to millions in cash. To clear his conscience, he calls the FBI -as Tom Carter- to return the loot in exchange for 'merely' two years light prison. Seeking another storage for some of the cash, he meets clerk Annie Wilkins, they fall in almost instant love and he decides to switch to a quiet life, buying an apartment and engagement ring. But when two FBI agents set him up for murder, he must now go on the run to clear his name and bring them to justice.Marines veteran Tom Dolan leads a quiet life, stealing over the years nine million dollars from twelve small bank branches with outdated safes in seven states, leaving the police utterly clueless about the 'In and Out Bandit' for eight years. Hoping to cut a deal, a professional bank robber agrees to return all the money he stole in exchange for a reduced sentence.
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