While visiting the bank, Marshall and Karen are taken hostage. Karen and Marshall try to save the situation from the inside, while Karen's boss, Amos Andrews, tries to hold back the FBI. The FBI agent on the scene, Gil Bellows, is a little to eager to storm the bank, which might jeopardize the lives of the hostages.
When a suave con artist who bilks women out of their fortunes manages to slip away from Karen the minute he's off the plane, she's humiliated but determined to bring him in, despite the fact the FBI has ordered her off the case. Meanwhile, a former mob accountant suddenly returns from hiding in the witness protection program, putting his — and Karen's — life in jeopardy; and Marshall is unhappy to find that Karen's old boyfriend, a married FBI agent, is back on the scene.
An effort to apprehend a fugitive goes wrong, almost putting a bullet through Karen's heart and leaving one man dead. But she's having trouble remembering what happened so she can write a report to satisfy Internal Affairs. Meanwhile, Karen's in for heartache of a different kind when she learns that the good-natured charter fisherman she's dating may actually be a bank robber, at least according to the FBI agents on his trail.