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Rather than head down through Tyabb she took Eramosa Road to the Waterloo road, the long way around but this was habit and instinct, too. She didn’t see the unmarked pursuit car but along a stretch of farmland she did see a police car parked inside an elaborate new gateway, a beefy-looking uniformed cop and a scarecrow in plain clothes standing in contemplation of the words I’M COMPENSATING FOR A SMALL DICK that were spray painted across the face of a concreted column. Grace slowed the car and gawked, as anyone would, and pulled away again.

As she neared Waterloo, the landscape grew a little untidier: lower incomes, some light industry, gorse and blackberry jungles on vacant lots, a couple of abandoned businesses. Waterloo’s Cheapest Cars, nylon flags snapping on a line that stretched from an unpainted shed to a power pole. But, closer in, the town was more prosperous, boasting five banks.

One bank in particular. Grace had come to Waterloo for her safe-deposit box. She had other banks and bank accounts throughout the country, escape funds of a few thousand dollars in each, but only one safe-deposit box. She knew there was usually no call for rural banks to supply these boxes. Local businesses were small, individuals’ tastes modest. The idea of spending $50,000 on a necklace, let alone wearing it to the Football Club Annual Ball, was absurd. If a farmer here, or a shopkeeper there, did own a $100,000 bearer bond or a handful of Krugerrands, it was considered a canny investment and stored in a city bank or a lawyer’s office safe.

But the Peninsula was different from many rural areas. Grace had smelt money as soon as she’d driven through the area one weekend two years ago. Some of the money was old, discreet and family-based, bound up in land and sweeping sea views, but most of it was new, and often on vulgar display locally, at garden parties, wine vintage launches, twenty-firsts and charity balls. Hence the VineTrust Bank and its little back room full of safe-deposit boxes.

Perfect for Grace. A safe-deposit box in a town where she wasn’t known but wouldn’t stand out, in a region that was nowhere near where she lived, and in a state where she was not active. Where Galt wouldn’t think to look for her. And so, on that October day two years ago, she’d walked into the VineTrust on the main street of Waterloo and rented one of their biggest boxes. ‘I sometimes need to store folios,’ she explained, and paid for five years in advance.

They understood. They were very discreet. They didn’t know what a folio was or what it might contain but from time to time they did see Grace with a large flat folder or binder. They thought she might have been an artist or an architect. They didn’t think ‘thief’, stowing a stolen painting. She was known as ‘Mrs Grace’ to the young and middle-aged women who took her to the windowless back room furnished only with a plain chair and a table.

Today Grace parked in a street parallel to High Street and slipped into the women’s room at the Coolart Arms hotel, where she dressed up, and a little out: black tights under a short purple skirt, dark glasses with purple frames, a narrow purple hair band, oversized scarlet hoops in her ears. All of it intended to shift attention away from her face. Then she left the pub through a side door and cut across to the bank, the Sydney Long aquatint and the cash from Steve Finch in her briefcase.

‘Mrs Grace,’ said Rowan Ely, who happened to be passing the help desk, wearing a smile that Grace read as genuine, a smile she’d earned over the past two years.

She gave the manager a dazzling smile and said, in her low voice, ‘Hello, Rowan.’

‘What can we do for you today?’

Grace murmured that she was thinking of setting up an Advance Saver account.

‘We can do that for you,’ Rowan Ely said, asking a teller for the forms and a brochure.

Grace had no intention of opening any such account but it was the kind of business a client might want to transact. ‘Let me take the paperwork home with me,’ she said, glancing at her watch. It was cool inside the main room of the bank, a little grave and hushed, as if the people at VineTrust dealt exclusively with old money.

Still looking at her watch, she said, ‘If I could have access to my safe-deposit box briefly?’

‘Of course.’

Ely picked up his phone and murmured into it. Brisk seconds later, a slight, middle-aged woman appeared. Joy, Senior Teller, said her nametag and she beamed in recognition. ‘Mrs Grace.’

‘Please call me Susan.’

They conducted the preliminaries-register consulted, signature, both keys produced, the box located and removed to the little back room-and when she was alone, Grace drew on cotton gloves and lifted the lid. In a corner of her mind was the usual nagging fear that the treasures she’d acquired-with Galt and without him-might have vanished since her previous visit. But everything was intact: bundles of cash, a gold ingot, coins and stamps. There were also three sets of false ID and two digital holdings: a photographic record of her burglaries on a memory card, and her house deeds and other personal documents on a flash drive. Finally, there was an old photograph, dated 1938, that she believed was a link to her past. She added Steve Finch’s $2000 and the Sydney Long, closed the lid, and got out of there.

She hesitated for a moment on the footpath, thinking that she’d forgotten something. Unease flooded in, followed by the thousand calming distractions of ordinary life. She was low on tampons: maybe that’s what it was.

But as she emerged from the pharmacy next to the VineTrust Bank and turned towards her car, a voice said, ‘Anita?’ and a current shot through her.

She hoped it didn’t show, hoped she didn’t falter. Her heels snapped past the little shops as she continued walking to the laneway that led to her Golf.

‘Oi! Anita!’

She walked on, the laneway about five metres away now.

She heard him come in hard behind her but knew it would be a mistake to run or respond. She was innocent. This was an innocent mistake. Her name was Grace, and she had no reason to stop or flee just because someone had hurled the name Anita at her back. A tourist bus belched past, ‘Winery Express’ scrolled along its flank. Cars trailed it. Two women emerged from a hair salon; a man tested a telescopic lens outside a camera shop; a pair of schoolboys emerged from a bakery, sausage rolls in their fists.

Grace felt fingers clamp her shoulder and spin her around.

She let astonishment, then alarm, flood her face. Consternation, a touch of irritation. Her eyes behind the dark lenses assessed the man, then flashed to where he’d been standing when he first called her name. A bug-smeared campervan, a woman stowing bags of groceries at the open side door, and two small children licking ice-cream cones. A long camping holiday, guessed Grace.

Back to the man, his hand now manacling her forearm, his knocked-about boxer’s face fixed intently on her. ‘Please, I am knowing you?’ she said.

He hesitated. He’d known Anita in Sydney, three, four years ago. Anita had been on the fringe of things. So had he. Still was, but he was also a family man, presently touring the country with his wife and kids.

Since last seeing Anita, he’d idly wondered if she was in jail, or on the bottom of Sydney Harbour, given the people she moved with. No, she was here, in Victoria, a little coastal town south-east of Melbourne. With a foreign accent.

‘Anita?’

‘Please, you are hurt me, my arm,’ Grace said.

‘Come off it, Anita.’

Grace tugged and attempted to attract the attention of the people going about their business in Waterloo. She stumbled, seemed to hang from the man’s hand, which was broad and scarred. His name came to her, from her old life: Corso.