2 levels, 1 point per level
A cursed character has likely offended a being of great power in his or her past, or is the direct descendant of someone who did so, since curses often pass through bloodlines. The curse can take a near limitless number of forms, but should not provide the character with any real advantage. (Remember, it's a curse!) The exact nature, background, and limitations of the curse should be discussed with the GM. If this defect is taken by a mundane human, the curse may have come from a supernatural entity, but it should not have any supernatural effect on the character.
Level One: The character suffers from a small disadvantage.
Level Two: The character suffers from a large disadvantage.