Ten years later, Annie’s investment has paid off. The owner of a successful chain of elegant coffee bars, she is blissfully engaged to a handsome coffee plantation owner and about to return triumphant to Boston for the 10th college reunion. She also begins making good on her promise to return the five hundred thousand dollars with anonymous monthly payments.

But just as Annie’s life seems complete, the dark history of the money returns to haunt her. Someone is determined to solve the mystery of a ten-year-old bank robbery and an enraged thief who has served his time is coming to reclaim his loot. Suddenly, Annie is plunged into a deadly chase, forced to use all her wits to keep her world from unraveling, and to protect the one thing she values most–the priceless gift of love.