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The object of baccarat is to obtain a hand whose point total is closest to 9. Aces count as one; cards from 2 through 9 keep their value; 10 and face cards count as 0. If the initial value of your hand is ten points or higher, subtract ten from this value, the remainder being the value of your hand.
For example: 7 + 5 = 12 = 2 or 4 + 6 + Ace = 11 = 1

You can place bets on the players hand, bankers hand or a tie. The banker deals the player and himself 2 cards. In some cases, a third card is given to the player or the banker or both. When the player or the banker has 8 or 9, it is know as "natural" and both hands stand. If the player has 0-5 a third card is dealt to him. If the player stands and the bank has 0-5 the bank draws a third card. When the player draws a third card, the value of the card drawn by the player determines if the banker draws a third card. See table below:

The player closest to 9 wins. If you bet on the player and the player wins, you will be paid a ratio of 2 to 1 on your original bet. If you bet on the banker and the banker wins, you will be paid a ratio of 2 to 1 of your initial bet minus a 5% commission that the banker takes. In case the players hand and the bankers have equal totals, the game ends in a tie. If you placed a bet on the scope of a tie, you will be paid a ratio of 9 to 1 on your original bet.