Once inside, Shawn sees that Phil has the safety on his gun and realizes that Phil is not the person the cops think he is.  He asks Phil to take him to the bathroom, where he tells Phil he's psychic, and to prove it, he repeats back to him some of what he learned from Luntz.  He tells him he knows he's not really a bank robber and Phil, relieved, tells Shawn what he thinks he already knows – that some men kidnapped his wife and forced him to steal diamonds from a safety deposit box.  The heist went wrong and Phil doesn't know how to get out of it.  He says he thinks one of the bad guys is actually inside the bank, watching him, making sure he complies.  Shawn says he will help Phil, then calls Luntz to explain the situation, but Luntz doesn't believe him.  Shawn hangs up and calls Lassiter, who agrees to send McNab to Phil's house to verify his story about the wife.  To stall for time, Shawn takes Phil into bank manager Gresling's office and has him call Luntz with a list of ridiculous demands.  While in the office, Shawn spots a list of recent home foreclosures on the desk.  He then rejoins the other hostages where Gus asks Gresling to recount what happened when Phil entered the bank.  Gresling's story does not match what Shawn saw on the security feed earlier.  Shawn leaves them to check on Phil, who tells him the police are meeting all his demands.  Shawn realizes that is just a ploy on Luntz's part, and is barely able to get Phil out of the way as a sniper takes a shot at him.  He saves Phil's life, which now makes him a pariah to the rest of the hostages.  Shawn tells Gus he thinks Phil's wife is being held at one of the foreclosed houses and convinces Phil to let him out of the bank.  But before he goes, he shares his suspicions of Gresling with him.  

Once outside, Shawn "psychically" leads Lassiter and Juliet to the addresses he saw on Gresling's desk and they are able to rescue Phil's wife.  But Phil is unable to keep from accosting Gresling in the bank and is knocked out by Gresling's mystery partner, the one that had secretly been monitoring Phil's progress.  Gus comes across this exchange and is then held at gunpoint with Gresling and Phil, by the man who earlier outed him for his cell phone, Mort Phelps.  Shawn, Lassiter and Juliet rush back to the bank but Luntz has already stormed it and freed the hostages, allowing Phelps to escape.  But Shawn sees that Phelps didn't go far – he is hiding in the air ducts, where Lassiter apprehends him. 

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