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John, an African-American, and Charlie, a Caucasian, are foster brothers who both work as transit cops for the New York City subway system. Their job is to protect the Money Train. Loaded with millions of dollars in collected fares, the Money Train makes its long journey through the tunnels of New York City. With its state-of-the-art security system and fleet of armored guards to protect it, the Money Train has never been robbed.
John and Charlie have known each other their whole lives and play a game with each other, dreaming up ways to rob the Money Train even though, ironically, their job is to protect it. Charlie is part gambler, part dreamer, and part rogue. He also doesn't have much luck with women. Conversely, John is explosive, hot-tempered, and he's always getting in trouble with girls. Still, he is a responsible member of his community and a dedicated cop.
John and Charlie are joined on their beat by Grace Santiago, a beautiful new cop whose attention they are fighting for. When they are called to thwart an attempted theft of the Money Train, they get the flak from Captain Patterson, their power-hungry tyrannical boss, and battle their own desires to get their hands on all that dough themselves.
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