Baccarat Rules

The purpose of the Baccarat game is to obtain a hand where the total of points is the closes to 9. The ace counts as one point; the cards from 2 to 9 keep their own values; the 10 and the figures each count as 0. If the gross value of the player's hand is 10 points or more, the player must withdraw 10 points of this first value; the rest will be considered as the number of baccarat points from the player's hands. For example: 7+6=13=3 or 4+6=10=0

The player has the choice to place his bet either the banker's hand ("Banker"), on the player's hand ("Player") or on the tie game ("Tie"). The dealer will then distribute two cards to the player and to the banker. In some cases the dealer will give a third card to the player or to the banker or even to both (according to the Third card rule). The cards are distributed from a pile of 6 mixed decks of cards. The cards games will be joggled before each game.

The player who is the closest to 9 will be the winner of the game.

If the player has bet on the player and that the player wins, the player will be paid according to a ratio of 2 to 1 of his initial bet.

If the player has bet on the banker and that the banker wins, the player will be paid according to a ratio of 2 to 1 of his initial bet, minus 5% of commission that will be attributed to the bank.

If the hands of both the player and the banker have equal totals, the game will end up with a "Tie". If the player has placed a bet on "Tie", he will be paid accord to a ratio of 9 to 1 of his initial bet.

Third card rule:

The following baccarat rules Scheme shows cases where the player and/or the banker receive automatically, from the dealer, a third card.

For the player:

Value in points of the first two cards:
0 - 1 - 2 - 3 - 4 - 5	Hit a card.
6 - 7	Pass.
8 - 9	"First hand", no more card.

For the banker:

Value in  points of the first two cards:	Hit when the third card of player is:	Does not hit when the third card of the player is:
0 - 1 - 2	Hit in any case
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 pass
8 - 9	The player cannot hit	The player cannot hit

Important: If the player and/or the banker have a total of 8 or 9, they will both pass. This rule overrules any other rule.