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05-13-2008

Rules for Playing Baccarat

The object of baccarat is to reach a point total of 9. Aces count as one, 2 through 9 as their face value, and tens and picture cards count as zero.

Place your wager on the banker's hand and/or on the player's hand and/or on a tie. The player and the banker are then each dealt a two-card hand. Following standard baccarat rules, a third card is dealt to the player and/or the banker.

The player closest to 9 wins and is paid even money (1 to 1). If both the player's hand and the banker's hand have equal totals, the game result is a 'tie'. If you have placed a bet on the 'tie' field, your payoff is 8 to 1.

All winning wagers for the banker and the player pay even money. A 5% commission (vigorish) is charged on winning banker bets.

Card Values:

Ace = one point.
Picture cards and tens = zero.
All other cards carry the point value stated on the card.
If the cards in a hand exceed ten points, subtract ten, and the remainder is the baccarat point value of the hand. For example: 3+9=12, counts as a 2 and 4+6=10, counts as 0.

Third Card Rules:
The following baccarat rule chart governs when the player and/or the bank will automatically be dealt (i.e. "draws") a third card in the baccarat game:

Player

Point Value of First Two Cards:
0-1-2-3-4-5	Draws a card
6-7	Stands
8-9	"Natural hand", no further draw

Banker

Point Value of First Two Cards:	Draws when the player's third card is:	Does not draw when the player´s third card is:
0-1-2	Always draws a card	-
3	0-1-2-3-4-5-6-7-9	8
4	2-3-4-5-6-7	0-1-8-9
5	4-5-6-7	0-1-2-3-8-9
6	6-7	0-1-2-3-4-5-8-9
7	Always stands	-
8-9	Player cannot draw	Player cannot draw

Winnings

Winning Wager	Pays
On the banker	1 to 0.95 (bank receives 5% commission.)
On the player	1 to 1
On a tie	8 to 1

Important note: If either the player and /or the Banker has a total of 8 or 9, they both stand. This Rule overrides all other rules.