With the clock ticking, a police escort races with the money bags through New York city causing more crashes, panic - and possibly deaths - than the hijackers. They don't make it in time, but they are given a reprieve by Ryder who just shoots the black ex-marine. Ryder then asks for Garber to personally deliver the money to them.
Without much choice, Garber enters the train with the money, has a chat with Ryder, and then is made to drive the train away.
They stop at a point further up the track near a signal, jam a device onto the accelerator, and then Garber and the 3 remaining hijackers get off.
Garber eludes them at the last minute, and Ryder's men just leave him behind. The hijackers exit through a hotel, and then each go their own ways. Garber makes it to street level, calls the Feds, and then chases Ryder's taxi. Ryder opens his laptop again - and we see that his $2million has now made $307million by spread betting on the price of gold.
The cops show up soon in force and gun down the two Russian-looking hijackers.
Meanwhile, in a hige anti-climax, everyone panics as the runaway train is out of control and heading towards the end of the line at Coney Island. When suddenly it trips the breaks and then comes to a nice, easy stop. The people politely cheer. It's quite lame.
Garber steals a 4x4 and chases Ryder's taxi, until he is stuck in traffic on Manhattan bridge. Taking out the holdall gun from before he approaches the taxi - but Ryder has already gone walkabout. Spotting his enemy on the walkway, Garber points the gun at him - with the police running up to join them.
Ryder tells Garber that he doesn't want to go back to prison - so he has 10 seconds to shoot him before he pulls out a gun. He counts down to zero ... grabs his gun ... but then Walter shoots him in the chest. Ryder says that Garber is his hero and then dies.
The FBI guy is pleased with the outcome, from up high in his chopper.
After questioning, the Mayor approaches Garber and personally thanks him. He then tells him that New York will "bat" for him the next day in his own lawsuit for accepting a bribe.
Garber gets the subway home - and doesn't forget to pick up a gallon of milk for his wife.