Each individual card in the hand. If the sum is more than 9, then drop the first digit. For example, if either hand had a 9 and 7, then you would drop 1 from the total of 16, for a 6-point hand.

-A third card may or may not be deatl to either the player or banker hands, depending on the following rules.

-If either the player or banker have 8 or 9 points, it is referred to as a natural. If there is at least one natural, then both hands will stand.

-Otherwise, if the player's total is 5 or less, then the player hand will draw one more card, otherwise, with 6 or 7 points, the player hand stands.

-If the player hand stands with 6 or 7 points, then the banker hand will draw a third card on a total of 5 or less. Otherwise, with 6 or 7 points, the banker will stand.

-The score of the player and banker hands are compared; the winner is the one that is greater. In an event of a tie, the player or banker bets push.

-The tie bet wins if the player and banker hands tie. All other outcomes lose.

-The banker pair bet wins if the first two cards in the banker hand are of the same bank. All other outcomes lose.

-Following is how to play each bet:
Player: Wins pay even money.
Banker: Wins pay 19 to 20, which is equivalent to even money less a 5% commission.
Tie: Almost all casinos pay 8 to 1 on a tie, which is often expressed as the equivalent to 9 for 1.
Player pair and banker pairs: Wins pay 10 to 1.