G A M E   R U L E S

Baccarat (Single Player) - Rules


Rule Authority:

Baccarat is played and programmed with Atlantic City Gaming rules.
Authority: New Jersey Casino Control Commission.
Rule Exceptions: The cards are shuffled after each hand.

Premise:

Two hands are dealt in Baccarat - The Banker's hand and the Player's hand. Prior to each deal, the player wagers on whether the Player's hand or the Banker's hand is closest to a total of 9. The player also has the option to wager on a tie (i.e. both the banker's and player's hands total the same). 8 decks of 52 cards are used.

How to Play

Betting: Your chips are stacked by denomination ($1, $5, $25, $100, $500) at the bottom of the game window. Select the amount you would like to wager on a given hand by clicking the left mouse button on the chip of that denomination to activate it.

Next, place your bet on the Baccarat table by clicking on a bet field. To specify a bet that is not equal to an existing chip denomination, simply click on another chip denomination after placing your previous chip on the table. For example, to bet $30, click on the $25 chip and place it on the table then click on the $5 chip and place it on top of the $25 chip.

By clicking on the right mouse button you will withdraw your entire wager. Your total bet will be displayed in the "Bet" just below "User". You may repeat your last bet by clicking on the shortcuts which are summarized below. If you place a wager that is lower than the minimum table bet limit, your bet amount will be automatically adjusted to the minimum bet amount.

Dealing: After the player has pressed either the Deal or Pass button, the Player and Banker are dealt two cards. All tens and picture cards are worth zero, aces are worth 1, and all other cards are worth their face value. If the value of cards exceeds 9, then the value is adjusted by subtracting 10 from the total.

Hand	Hand Total
9+7=16	6
5+5+5=15	5
10+9=19	"Natural" 9

After the first two cards are dealt to both the Player and Dealer, a third additional card may be dealt but the player does not ask for a third card. All additional cards are subject to a "Third Card Rule". No hand receives more than three cards. When the Player and Banker hands equal the same total, the hand is declared a Tie. If the value of the cards in either the Player's Hand or the Banker's Hand is an 8 or a 9 (a "natural") after receiving their initial two cards then no more cards shall be dealt to either hand. If the value of the cards in the Banker's hand on the first two cards is 0 to 7 inclusive, the Player's hand shall draw in accordance with the "Third Card Rules".


Third Card Rules:

If the Player's two cards total:

Player's Hand	Draw?
0-5	Player's hand must draw
6-7	Player's hand must stand
8-9	"Natural" (both hands stand)

After the Player's Hand acts on a third card draw, the Banker's Hand receives a third card according to these rules:

Banker's Hand	Draw?
0-2	Banker's hand must draw
3-6	Third card to Player's hand determines draw or stand
7	Banker's hand must stand

When the Banker's two cards total between 3-6:

Banker's Hand	Banker's hand draws when Player's third card is:	Banker's hand does not draw when Player's third card is:
3	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	Banker's hand must stand	Banker's hand must stand
8-9	"Natural" - Bank stands	"Natural" - Bank stands

If the Player's hand stands on two cards (6,7), then a two card Banker hand totalling 3,4,5 must draw and a Banker hand totalling 6 must stand.

Payoffs:

Wager and Result	Payoff
A winning Player hand wager	1 to 1
A winning Banker hand wager	1 to 1
A winning Tie wager	8 to 1

Betting Limits:

$5 minimum bet.
$300 maximum bet.

Setting your table bet limit:

You may also set your table bet limit below the maximum specified limit by selecting Bet Options from the Game Menu. The Modify Table Bet Limit window will appear on the screen. To reduce your maximum table bet limit type in the new limit in the appropriate box and confirm it by typing your PIN in the box below. Click on the OK button to complete the update. Please be aware that you can modify your table bet limit no more than once per week (Friday 12:00 AM EST) and that using the Modify Table Bet Limit function affects the bet limit for all games and not just the game that you are currently playing.


Numeric Keyboard Shortcuts:

Keyboard Entry	Action
0	Repeat last bet
Enter	Deal
1	Bet on Player Hand
2	Bet on Banker Hand
3	Bet on Tie
Up Arrow	Increase bet by $1
Down Arrow	Decrease bet by $1
"Shift + Up Arrow"	Increase bet by $10
"Shift + Down Arrow"	Decrease bet by $10
Del or .	Remove bets

For keyboards without keypads, you must use the "Fn" key plus the shortcuts above (e.g. + Enter). Please note that these keyboard shortcuts are offered as a suggestion only. Some computers behave differently than others and therefore we cannot guarantee that the shortcuts will apply to all computers.

Statistics:
A list of the previous winners is displayed on the left hand side of the screen. The Banker's hand is indicated by the letter 'B', the Player's hand is indicated by the letter 'P' and a tie is indicated by a dash '-'. Consecutive wins by either the Banker or the Player are displayed in the same column. A new column is displayed when the Banker or Player starts a new winning streak. A tie is considered part of the same winning streak and is always displayed in the same column as the previous winner.

Note:
You may turn on/off the Sound, Voice and Animation during the game by clicking on the Options button located in the lower left-hand area of the console. The setting is turned on when the checkbox is checked and it is turned off when the checkbox is unchecked. You must exit and re-enter the game to activate the Animation feature.

References:
For further information on Baccarat, please consult the following references:

Patrick, John. John Patrick's Baccarat : How to Play and Win at the Table With the Fastest Action and the Highest Stakes, Lyle Stuart, 1997.

Stuart, Lyle. Lyle Stuart on Baccarat, Barricade Books, 1997.

Tamburin, Henry. Reference Guide to Casino Gambling, Research Services Unlimited, 1993.

Tamburin, Henry and Rahm, Richard. Winning Baccarat Strategies, Research Services Unlimited, 1983.