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Baccarat (pronounced bah-ca-rah) is the French version of an Italian game that was introduced in France in the late 15th century. Easy to learn and fun to play, Baccarat is a game to be enjoyed by everyone, even though it is often considered the most glamorous game in the casino.

Object of the Game
The player's objective is to correctly predict which of the two hands (Player or Banker) will have a point total closest to 9

How to Play
This version of Baccarat uses eight decks of cards. The deck is reshuffled after each hand.

The Bets. The main game is a wager on the Player's hand or the Banker's hand:

Player - Pays even money.
Banker - Pays even money minus a 5% commission which is collected on winning bets.
Tie - Pays 9 to 1 if the Player and Banker point totals tie.
Select an initial bet amount then click in the designated betting areas. The valid betting areas are in the center (#4) column. Place your bet in the "B A N K E R" row to bet on the bank's hand, or in the "P L A Y E R" row to bet on the player's hand. To bet on a tie, place your bet in the "T I E" area. The minimum bet is $5 and the maximum bet is $100.

The Deal. The player is dealt the first and third card while the second and fourth cards are dealt to the bank. Specific rules (see the following pages) dictate whether a third card is drawn for the player or the bank. The player's hand is completed first.

The Cards. Aces count as 1. All face cards and tens count as 0. All other cards are counted at face value. Each hands point total is the last digit of the sum of their cards. So for example:

4 + 3 = 7. This hand's point total is 7.
Q + 5 = 5. This hand's point total is 5.
K + J = 0. This hand's point total is 0.
2 + 10 + 4 = 6. This hand's point total is 6.
K + 5 + 6 = 11. This hand's point total is 1.
8 + 4 + 7 = 19. This hand's point total is 9.

The winner of the game is the hand whose point total is closest to 9. In the case of a tie, the bets on the Bank and the Player are stand-offs and neither the Bank or Player wins nor loses unless the Player has placed a wager on TIE.

See the following page for the rules regarding drawing a third card...

Rules for Drawing a Third Card
When player's first two cards total:

0-1-2-3-4-5 Player draws a card
6-7 Player stands
8-9 Natural, banker cannot draw

When banker's first two cards total:

0-1-2 Banker draws unless the player shows a natural 8 or 9.
3 Banker draws when the player's third card is 1-2-3-4-5-6-7-9-10.
Banker stands when the player's third card is an 8.
4 Banker draws when the player's third card is 2-3-4-5-6-7.
Banker stands when the player's third card is an 1-8-9-10.
5 Banker draws when the player's third card is 4-5-6-7.
Banker stands when the player's third card is an 1-2-3-8-9-10.
6 Banker draws when the player's third card is 6-7.
Banker stands when the player's third card is an 1-2-3-4-5-8-9-10.
7 Bank stands.
8-9 Natural, player cannot draw

Baccarat Payouts

A successful wager on:

Player: Pays even money (1:1).
Banker: Pays even money minus a 5% commission which is collected on winning bets. For example, if the player wins $20 betting on the Banker hand, a $1 commission is collected and the player receives $19.
Tie: Pays 9:1 if the Player and Banker totals are equal.
If both hands tie, it is considered a push and any bets made on the Player or Banker are neither won nor lost. If the player has made a Tie bet, he or she is paid 8:1 on the bet. A Tie bet is always lost if the two hand totals are not equal.

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