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Captain Jack Sparrow comes ashore at Port Royal in a sinking ship.  later on, he sees a lady fall from a cliff and goes to save her.  The lady turned out to be Elizabeth Swann, daughter of the governor.  The commodore Norrington and some guards come down to recover her and discover that her saviour is a pirate.  Using Elizabeth as a hostage, he makes his getaway but gets caught by Will who duels him, with Jack ultimately losing, to an old man smacking a bottle across the back of his drunken cranium.  Jack is then taken into custody.  However, when Elizabeth fell into the sea she was wearing a certain medallion, which she took long ago from an unconscious William Turner whom she and a crew saved years ago from floating in the sea.  When the medallion came into the water it caught the attention of some nasty customers

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When night falls, Port Royal is attacked. Pirates flood the town, raiding homes and attacking the people.  Two of these pirates happen to find their way to Elizabeth's home. Elizabeth runs and hides in a closet. But the pirates, muttering of whispering gold, somehow find her. Before she can be killed however she invokes Parlay, meaning that she may not be harmed until after she has had an audience with their captain. When taken to them, she finds out that the medallion on her neck is worth something to them and uses it to broker a deal with the pirates to leave Port Royal and her alone in return for it, which they agree to. Then, one of the pirates asks her name, in fear of them using her as a hostage, as she's the governor's daughter, she says her last name is Turner. Upon hearing this, the pirates take her away, for it seemed to them she had been the one they were looking for.

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Following the conflict, the Navy makes plans to go save Elizabeth. However due to the long amount of time it has been taking to plan, and his concern for Elizabeth's safety, Will comes to Jack asking him for his aid in saving Elizabeth from the pirates of the Black Pearl, where Jack points out he knows Will loves Elizabeth.  Jack initially refuses to help Will, so Will keeps on attempting to persuade Jack who still refuses until hearing Will's full name, "William Turner."  After hearing this, Jack agrees to help Will save Elizabeth.

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In order to set out on their journey, they require a ship,  So Jack and Will head to the port and steal a massive ship, HMS Interceptor.  This caused many guards to come after them in their fastest ship, the Dauntless. One of the guards makes fun of their intelligence, for the Interceptor was far too big to be manned by only two people. However, this was their plan, knowing they would come after them for stealing the Interceptor, they waited for the Navy to arrive, and when all the guards had left the smaller and faster Dauntless to board the Interceptor, they stole the Dauntless instead, and when the navy attempted to pursue them in the Interceptor it was revealed that Jack and Will had sabotaged the ship, making it unable to move at all.

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Jack takes Will to Tortuga to form a crew to go after the Black Pearl and its crew.  But before they can set off, there's one member that they need to recruit.  They go over to a pig sty where they find an old man on the floor and wake him up with a splash to the face.  The wise old friend of Captain Jack Sparrow, Joshamee Gibbs.

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Jack, Will and Mr. Gibbs gather a crew to go after the Black Pearl including Mr. Cotton, his parrot, Crimp, Duncan, Kursar, Ladbroc, Marty, Moises, Quartetto, Tearlach, and Anamaria, who had her boat stolen by Jack, who of course was not happy.  However, after some negotiation, they set off.

Meanwhile, Elizabeth prepares for Dinner with the Captain of the Black Pearl, Barbossa.  Who reveals why they want her and the medallion.  Because they stole the cursed Aztec gold of Cortés, they were cursed to be unable to be killed, never feel anything, always thirst and hunger for as long as they live for stealing a treasure, and the curse could only be broken if every piece of gold was stolen was returned and everyone who stole any of the gold pours some blood on the top of the returned treasure. The only problem was finding the missing piece of gold, and there was a crewmate who was no longer with them, so what luck for them to have found somebody with his blood.

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Jack and his new crew, sail through a deadly storm. During this Will has some questions for Mr. Gibbs, the first being Jack's connection to the Black Pearl pirates, which is when it's revealed by Mr. Gibbs that Jack was once the captain until they mutinied against him. Will's second question related to Jack's compass, which despite the fact that they were following it, did not point north. This is when Mr. Gibbs reveals that the compass points towards its holder's desire, leading you to it.

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After finally arriving at Isla de Muerta, where the Black Pearl had docked, Jack and Will sneak in alone to try to figure out how to save Elizabeth from the undead pirate crew.

Meanwhile, Barbossa was tricked, the reason he took Elizabeth was because she gave her last name as Turner, whose blood they needed to break their curse.  In the confusion, Will saves Elizabeth and takes the medallion.
Later onboard the Dauntless, Elizabeth expresses her feelings for Will and reveals to Will that it's his blood they need to break their curse.

When searching for her and the medallion, the pirates instead find Jack who, in return for sparing his life, promises to lead them to the actual descendant of Bill Turner in a deal. So they set off to reclaim the medallion from Elizabeth, by force. A battle ensues and in the conflict in which the pirates of the Black Pearl are victorious. Because of this, Will, despite Jack's best efforts, reveals his heritage as the descendant of Bill Turner and makes a deal for Elizabeth to go free and for the rest of Jack's crew to be unharmed in return for his cooperation, which the pirates agree to.

This leads to the crew being locked up in the Black Pearl and Jack and Elizabeth being stranded on the same island Jack was left on before by the Black Pearl pirates when they mutinied against him.  But thanks to Jack's hidden stash of rum, Elizabeth created a smoke signal big enough to be spotted by the Navy, who came and saved them.

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After saving Elizabeth, and Jack, Norrington tells the crew to head home instead of going to save Will or capturing the Black Pearl Pirates.  Jack and Elizabeth both fail in their attempts to persuade him to go back until Elizabeth promises to marry Norrington in return for saving Will.

Meanwhile, Will is locked up in the Black Pearl, where it is revealed to him by a member of the crew, that the reason they need him is that Will's father Bill gave him the medallion when he was a child, to keep it away from the rest of the crew as he believed this was the fate they deserved. As punishment, he was tossed to the depths of the sea in chains, while the crew sought the last piece of gold and Bill's descendant to break the curse.

The pirates arrive at Isla de Muerta, where they prepare to break their curse, with the Navy and Jack outside waiting for them. At that moment, to everyone's surprise, Jack comes in and convinces them not to break their curse, so they can fight the navy without dying, which they accept.

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As the battle rages on outside, Jack, Will and Barbossa wait inside Isla de Muerta for the end of the battle, Jack starts talking to Barbossa, fiddling with some treasure, getting a look at some of the cursed treasure of Cortez.  Then, Jack is able to free Will and pass him a sword during which a battle ensues there too in which Jack duels Barbossa as Will fights some of the crew.  During the fight Jack is stabbed, where it is revealed that while fiddling with the gold of Cortéz he had stolen a piece, making him cursed as well, therefore prolonging their fight. Meanwhile, Will is saved from a pirate by Elizabeth, who had snuck aboard the Black Pearl and saved Jack's crew.  The fight continues until Jack is able to toss his piece of stolen gold, covered in his blood, over to Will, who has defeated his pirate adversaries. To counter this, Barbossa pulls his gun and aims it at Elizabeth, only to be shot in the stomach by Jack. Barbossa calls this a pointless act as he is cursed, only to find out that Will had just returned his piece of blood-stained gold, breaking the curse, saving the Navy, and killing Barbossa. Overjoyed at their victory, Jack believes he has finally reclaimed his black pearl.  Only to find out that Gibbs and his new crew, following the pirate code of "Any man who falls behind is left behind", have escaped the conflict aboard the black pearl, leaving him to the navy.

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After the final battle, despite having defeated Barbossa and breaking the curse which allowed for the navy to defeat the formerly undead pirates and save Elizabeth Swan, Jack was arrested and sentenced to death for his crimes as a pirate and the crimes he committed earlier in the movie.  However, right before he is executed, he is saved by Will Turner who also helps him fight off the guards in an attempt to escape.  This failed however and they ended up surrounded.  All hope seemed lost until Elizabeth stepped in front of the guns which gave Jack the opportunity to slip by and "fall" from the edge of the fortress into the water, away from the guards.

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After having seemingly escaped the guards for the time being, one of the guards mocks Jack as he is now in the water without any way to depart Port Royal.  Then when it seemed like his escape attempt would fail, the Black Pearl came around the corner with his new crew and saved him.  Jack had reclaimed his ship and was once again Captain Jack Sparrow, and he and his crew began to sail away, escaping Port Royal. Ending the Film with Jack free, and Will and Elizabeth together at last.