A music-loving rookie cop frequents a record store next to a bank. What he doesn't know is that the music-store owner and three henchmen are tunneling into the bank through a shared basement. After one of the thugs is killed in a cave-in, the remaining thieves "invite" the cop to a party where an old friend is busy making book via telephone, and then call HPD to bust the cop on departmental corruption charges to get him out of the way. McGarrett goes to bat for the cop against a relentless Internal Affairs captain, and is clued in to the bank heist after one of the thugs kills a potential informant.