In Baccarat, cards 2-9 are worth face value, 10s and face cards (J, Q, K) are worth zero, and Aces are worth 1 point. Players calculate their score by taking the sum of all cards modulo 10, meaning that after adding the value of the cards the tens digit is ignored. For example, a hand consisting of 2 and 3 is worth 5 (2 + 3 = 5). A hand consisting of 6 and 7 is worth 3 (6 + 7 = 13 = 3) - the first digit is dropped because the total is higher than 10. A hand consisting of 4 and 6 is worth zero, or Baccarat (4 + 6 = 10 = 0). The name "Baccarat" is unusual in that the game is named after the worst hand, worth 0. The highest score that can be achieved is 9 (from a 4 and 5, 10 and 9, or A and 8, etc).
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The Banker's play depends on the Player's hand, on whether the Player drew a card, and on what card the Player drew:
If the Player did not draw a card, the Banker draws if he has 0-5, and stands if he has 6-7.
If the Player drew a 2 or 3, the Banker draws if he has 0-4, and stands if he has 5-7.
If the Player drew a 4 or 5, the Banker draws if he has 0-5, and stands if he has 6-7.
If the Player drew a 6 or 7, the Banker draws if he has 0-6, and stands if he has 7.
If the Player drew an 8, the Banker draws if he has 0-2, and stands if he has 3-7.
If the Player drew an ace, 9, 10, or face-card, the Banker draws if he has 0-3, and stands if he has 4-7.