After saving Leon Tao yet again, Reese goes to Atlantic City to watch over a retiree who's losing a fortune in the casino. HR smears Szymanski so that he can't testify at a Russian mob trial and Carter risks her life trying to clear him.
Reese and Finch head to Atlantic City for their next number, that belonging to Lou Mitchell, an irascible, widowed and retired watch repairman, who, like many of his age, has a small electronic footprint, meaning that Reese and Finch will have to use other means than electronic to follow him. In viewing Lou's activities, Reese sees a man living on a fixed income but who is constantly at the casino and constantly losing, over the past few months in the order of several hundred thousand. But Reese also sees some visual signs that he may have been involved with the mob in his younger days. But in following Lou's movements, Reese and Finch see that Lou is not alone in his goings-on although he does not acknowledge those others, who are all seniors like himself, and they don't acknowledge Lou or any of the others. When Reese and Finch learn what Lou is up to and why his number came up, they want to intervene through the casino to prevent the incident involving Lou from happening, but penetrating through the high security of a casino may not be that easy. Meanwhile, Detective Szymanski has been implicated in illegal activities just before he was to testify at the trial of immigrant drug lords. Carter believes he has been set up and that it may have to do with HR. What Carter uncovers on trying to free Szymanski may place her life jeopardy.
- Open with Leon Tao (Ken Leung) in bed with a woman. She puts handcuffs on him and two men come in to kill him. Reese comes in and saves him at the last minute before being told by Finch he needs to go to Atlantic City for the newest number.
The new number is Lou Mitchell (Ron McLarty), a 70-something recent widower. He's a pretty regular Baccarat player at one of the casinos. Reese follows Lou to a pharmacy where he picks up arthritis medication. Finch finds out that Lou is nearly broke, at this point living off of Social Security. Reese notices that all of Lou's fingers have been broken at some point in his life.
Carter finds out that Lou has history with organized crime in the form of being beaten up by wise guys to whom he owed money. She's found nothing alarming in Detective Cal Beecher's (Sterling K. Brown) disciplinary report. Beecher stops by to see Carter and asks her for a date. She tells him she needs to think about it and asks him to help her look into the casino connected to Lou.
Lou takes $1,500 from the casino and Finch has no idea where it came from. Finch hacks the casino's computer. Lou has a connection to Darien Makris (Michael Rispoli), the casino's owner. When Lou swipes his frequent player card Finch is able to track his playing history. He's lost $300,000 over the past six months.
Reese wonders if Lou could be an old mobster himself, but Finch doesn't by it.
Detective Bill Szymanski (Michael McGlone) is brought into the station in cuffs, telling Carter he's being set-up. He's supposed to testify against the Russian mafia that day and thinks this is the way they're trying to keep him from the courtroom. Carter explains this to the judge who agrees to a continuance.
We see Officer Patrick Simmons (Robert John Burke) grab the Russian, Peter Yogorov (Morgan Spector), who was on trial that day and take Yogorov from the court house. He's taken to see HR boss Alonzo Quinn (Clarke Peters), who tells him about Szymanski and offers to keep him out of jail in exchange for cash. Yogorov agrees to the deal.
Reese finds out that all of Lou's old mob buddies are dead and he has no known connection to loan sharks. Finch notices that Lou has returned to the pharmacy a second straight day and recognizes several of the elderly people from the casino.
Leon finds out the pharmacy is owned by a shell company, with Makris the only known board member. Aware he's being tailed Lou confronts Finch, but in a friendly manner. Finch says he's with the IRS and looking into the casino. He asks where Lou got his money and Lou makes him pay for the information by making Baccarat bets. Finch doesn't get much out of him because Lou is clearly a card mechanic.
Reese watches Lou at the casino while Finch finds that other elderly people are down hundreds of thousands of dollars. What is happening is they are picking up money from the pharmacy and intentionally losing it to the casino so Makris can launder his drug money. But Lou has been skimming money and Makris has noticed.
Carter and Beecher watch Szymanski being interrogated and he admits it was him who called in the tip. Carter asks Fusco if he's heard anything about Beecher and he tells her that HR is still in operation.
Reese follows Lou outside and saves him from being killed by two of Makris' security guards. Reese brings him to Finch and Lou tells him that he had been using his talents to win money at Makris' casino to pay for his late wife's cancer treatment. When Markis found out, Lou had no money with which to pay him back so he was forced to launder his money. Finch tells Lou his only option is to leave town and gives him cash and a ticket to Chicago. Lou doesn't want to leave his wife, but he eventually agrees. Finch promises Reese he will convince Makris into believing Lou is dead.
Finch needs more evidence to put Makris behind bars. The only way to gain access to the "cooked" books is for Finch to get inside the casino. They decide to use Leon as the distraction, giving him $1,000,000 to gamble at the casino in order to take Makris and his security's attention away from Finch. Finch gets to the casino's servers and plugs in. To Reese's surprise he spots Lou at the Baccarat table. And he's betting all of his skimmed money.
Reese takes Lou into the hallway and has him speak with Finch. Lou is able to convince Finch to help him break Makris based on a promise he made to his wife before she died. Lou doesn't want to die a loser. Finch sets him up with $2 million and Reese brings him back to the table.
While Leon draws a crowd (and Makris' attention) at the craps table, Lou begins winning at Baccarat with much larger bets. Makris eventually makes his way to the Baccarat table and sees what Lou is doing. By this point Finch has accessed the cooked books and emails them to Reese in the casino. Reese tells Makris that if he doesn't let Lou play the books will be sent to authorities. Lou continues to cheat and win big.
Finch finishes his work and Lou is allowed to cash out to the tune of $20 million.
Outside the casino Reese and Lou are confronted by Makris, who has also grabbed Finch and Leon.
The four are taken to what looks like the basemen of the casino. Makris forces Lou to play Russian roulette, each time pointing the gun at Finch and Reese. After the first few shots result with empty chambers Reese breaks free and knocks out the guards. Makris tries to use the Russian roulette gun to shoot Lou but Lou used his card shark skills to remove the bullet. Makris ends up being taken away by police in handcuffs.
Carter shows Detective Terney (Al Sapienza) she's found evidence that Szymanski was, in fact, set-up. This should be enough to allow him to testify. The marked bills planted at Szymanski's home came from police evidence. Carter gets a call from Beeher, but ignores the phone.
With Lou's winnings tied up as evidence, Finch gives him his broken $2 million watch. Lou is trying to buy the diner where his wife was a waitress and basically saved his life when he was at rock bottom.
One of the Yogorovs calls Simmons to say that the deal is off. More charges have been added. Simmons tells him to have faith in his boss.
We see Quinn dining with the two of the DAs and Szymanski. When they tell him they won't be dropping the charges on the Yogorovs he kills all three. Terney, clearly also with HR, walks in and shoots Quinn in the shoulder so they can pretend the real killer left out the back.