It's nighttime, and two cops are outside the West Bay Trust bank, writing a parking ticket for an illegally parked SUV. They mention that the bank had just been robbed the day before but tonight there's no evidence of trouble. As the cops drive away, however, a glimpse inside the bank proves that not everything is as it seems: four people are trapped inside the bank's vault. The unfortunate foursome? Monk, Natalie, Capt. Stottlemeyer and Lt. Disher.