Baccarat is a game of chance and skill between you and the Banker. It is played with a single standard deck of 52 cards. There are three types of bets and the game odds are high.

The objective of the game is to predict whose hand, the Banker's or the Player's, will be closer to the value of nine. You can also bet on the possibility of a tie.

Winning hands in Baccarat depend on the hand you bet on, and whether that hand wins.

If the hand you bet on wins, the payout is as follows:

If you bet on a hand, and the hand loses, you lose your bet. If you do not bet on a tie, and the hands tie, your bet is returned to you.

The value of a hand is calculated by adding up the total of the cards. The card values are:

If the total of a hand exceeds nine, the value of the hand is the "unit" portion of the total. For more information, see the examples below.

If the hand you bet on wins, you are paid out according to the Payout Schedule.

Example:

1. A hand consists of an Eight of Clubs and a Seven of Diamonds. The point values are 8 and 7, so the total of the hand is 8 + 7 = 15. As the "tens" portion of the total is ignored, the value of the hand is 5.
   
   
2. A hand consists of a Nine of Spades, a Two of Hearts and a Nine of Diamonds. The point values are 9, 2 and 9, so the total of the hand is 9 + 2 + 9 = 20. As the "tens" portion of the total is ignored, the value of the hand is 0.

To play a game of Baccarat, do the following:

1. Click the Increase (+) or Decrease (-) button to select the amount you want to bet.
   
   
2. Select the hand you want to bet on.

• Click the Banker button to bet on the Banker's hand.
  
  

• Click the Player button to bet on the Player's hand.
  
  

• Click the Tie button to bet on the possibility of the Banker and the Player's hands being a tie.

3. Your bet is placed on the table and each hand is dealt either two or three cards. Any winnings are paid according to the Payout Schedule.

• If you bet on the Banker's hand, and the hand wins, you pay a 5% commission on the win amount to the House. For example, if you bet 100 and win 200, you only pay 5% of the 100 win amount, and not of the 200 total winnings. 5% of 100 = 5, so you are paid 195.
  
  
• King's, Queen's, Jack's and Ten's have no point value.
  
  
• If the hands tie, and you did not bet on a Tie, your bet is returned to you.

The following diagram shows the features of the Baccarat screen.

• Position your mouse pointer over the graphic to identify the screen features.
• To view the description of a feature, click the required area of the graphic.

• Play Area
  Displays the table layout.

  

• Banker button
  Used to bet on the Banker's hand winning, and starts a game of Baccarat.
  
  
  
  

• Tie button
  Used to bet on the possibility of the Banker and Player's hands being a tie, and starts a game of Baccarat.
  
  
  
  

• Player button
  Used to bet on the Player's hand winning, and starts a game of Baccarat.
  
  

• Increase (+) and Decrease (-) buttons
  Used to change the amount you want to bet.

  

• Games button
  Opens the Casino menu.
  
  
  
  
• Help button
  Opens the help file for the game you are currently playing.

  

• Credit box
  Displays your current credit balance.
  
  
  
  

• Bet box
  Displays your total bet amount. This is automatically deducted from your credit balance.
  
  
  
  

• Bet On box
  Displays what hand you bet on - the Banker, Player, or a Tie.
  
  

• Win box
  Displays the credits you were paid for your last win. This is automatically added to your credit balance.

  

1. Click the Increase (+) button to increase the amount you want to bet.

2. Click the Decrease (-) button to decrease the amount you want to bet.

1. Click the Games button. The Casino menu is displayed.
   
   

2. Select another game to play, or exit the Casino.