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Mike Chandler is a veteran police officer ready to enjoy his retirement and his well-deserved pension. With his partner, rookie Steve MacAvoy at his side, and Kenny, a 15-year-old court-appointed ride-along, reluctantly in tow, they set out on a routine patrol of the city's streets. The two officers and their young civilian passenger soon find themselves underprepared when fate puts them squarely into the crosshairs of a bank heist in progress by a team of highly trained and heavily armed men.