After denying a woman the extension she needs to keep her home, loan officer Christine Brown sees her once-promising life take a startling turn for the worse. Christine is convinced she's been cursed by a Gypsy, but her boyfriend is skeptical. Her only hope seems to lie in a psychic who claims he can help her lift the curse and keep her soul from being dragged straight to hell.

In honor of his birthday, San Francisco banker Nicholas Van Orton, a financial genius and a cold-hearted loner, receives an unusual present from his younger brother, Conrad: a gift certificate to play a unique kind of game. In nary a nanosecond, Nicholas finds himself consumed by a dangerous set of ever-changing rules, unable to distinguish where the charade ends and reality begins.

Andy, Billy and Trevor are three friends living the life of privilege on Long Island. Out of boredom, the inseparable trio are drawn into the action of the of the gangster criminal world inhabited by Andy's bookie grandfather.