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The film begins in 1969 with a family seeking the assistance of a powerful medium, Shaun San Dena, to save their son from a sinister curse. The boy had stolen a silver necklace from a gypsy, and as the curse manifests, Shaun is unable to save him. The spirit drags the boy to hell, establishing a grim tone that foreshadows the evil that will later afflict Christine.
Fast forward to the present, we meet Christine, a kind-hearted small-town girl working at a bank in the bustling city. While grappling with office politics, where her career is stifled by a ruthless co-worker, Christine also navigates a relationship with her boyfriend, Clay. Their dynamic faces a test when Christine's empathy leads her to deny an old woman's plea for a loan extension.