Rose Calvert, an ancient but still lively woman of 101 years, watches a television report of the treasure hunt and sees the nude portrait. She phones the treasure hunter Brock Lovett and informs him that she knows of the diamond, the Heart of the Ocean, and also the identity of the beautiful young woman in the portrait: "Oh yes. The woman in the picture is me." Rose, accompanied by her granddaughter, flies out to the recovery site and proceeds to tell the treasure hunters of her experiences on the Titanic. As she tells her story, the film goes back in time to 1912.