The object of the game is to form a two-card or a three-card hand that equals nine or as close to it as possible. The highest ranked hand, referred to as a "Natural," is achieved only when the first two cards dealt to either the player's hand or the banker's hand equals eight or nine. A Natural 9 ranks higher than a Natural 8.

The game shall be played using a multiple deck shoe with four, six, or eight standard 52-card decks and no jokers. The game shall be played on a standard blackjack style table that accommodates up to six players and a player-dealer position for a total of seven seated positions. Within each betting area for each seated position, there shall be five separate betting spaces specifically designated for five separate wagers; the Player line wager, the Banker line wager, the Tie wager, the Dragon 7 wager, and the Panda 8 wager. Each wager shall have clearly defined minimum and maximum limits that may be wagered. In order to place a wager, a player must wager at least the table minimum. Back-line betting is permitted on all wagers.

The game utilizes an action button to determine which player receives first action on their wager. The second card dealt to the banker line determines the position of the action button. The player-dealer position is not counted when determining where the action button shall be placed. The other seats, in clockwise rotation, starting with the player to the left of the house dealer and continuing left to right, respectively represent the other numbers. All wagers shall be settled from seat to seat in the following order: all player line wagers, all banker line wagers, all Tie Bet wagers, all Panda 8 wagers, and then all Dragon 7 Bonus Bet wagers. Once the player-dealer's wager has been exhausted, the wagers not covered by the player-dealer shall be returned to the respective players. When determining where the action button will be placed, cards will hold the following value:

Action Button Card Chart:

Card Values and Hand Rankings

The value of each card used in EZ Baccarat shall be as follows: picture cards (king, queen, jack) and 10s have a value of ten, an ace has a value of one, and all other cards have their face value. When the total numerical value of the cards equals ten or more, only the right-hand digit (numeric count) is considered.

The ranking of hands for EZ Baccarat in order from highest to lowest rank, shall be:

Round of Play

At the start of a game, a player is offered the player-dealer position. Once a player-dealer position has been established for that game, the house dealer shall wait for each player to

make their wager in accordance with the table limits.

Each player then has the following option(s) when placing their wager(s):

• Place a Player line wager which pays 1 to 1;

• Place a Banker line wager which pays 1 to 1;

• Place a Tie wager which pays 9 to 1;

• If a player placed a wager on either the Player line, Banker line, or Tie wager, that player may place a Dragon 7 wager, which pays 40 to 1;

• If a player placed a wager on either the Player line, Banker line, or Tie wager, that player may place a Panda 8 wager, which pays 25 to 1;

Once the player-dealer has been established and all players have posted their bets by placing gaming chips on the appropriate betting areas of the table layout, keeping in mind the table minimum and maximum wagering limits, the house dealer deals two two-card hands; one card to the right and one card to the left, one by one in rotation, until each hand has a total of two cards each. The hand to the left of the house dealer is a community hand that belongs to those that placed a wager on the Banker line. The first card dealt to the banker's hand shall be dealt face-up and the second card shall be dealt face-down. The hand to the right of the house dealer is a community hand that belongs to those that placed a wager on the Player line. Both of the cards dealt to the player's hand are dealt face-up. Once both hands are dealt, the play of the player hand proceeds as follows:

The following tables detail what governs the player's hand:

After the player's hand has been completed, according to the table above, the banker's hand shall be played according to the table and rules, as shown below.

The following table details what governs the banker's hand:

*If the player's hand did not draw a card and is required to stand, the banker's hand shall be dealt. an additional card when the hand has a point total of five or less.

** If the player's hand was required to draw an additional card, the banker's hand shall be dealt an additional card according to the table, as shown below. The top row of the table represents the point value of the player's draw card. The left hand column represents the point value of the banker's initial two card hand.

*The "S" in the table represents the word "Stand." The banker's hand shall not be dealt an additional card.

*The "H" in the table represents the word "Hit." The banker s hand shall be dealt an additional card.

How Wagers are Paid, Collected, and Pushed

Once both hands have been completed, according to the guidelines above, the player and banker hands are compared. The following shall apply for each possible outcome when determining the winner. The player-dealer shall pay and collect all wagers accordingly:

• If the first two cards dealt to the player hand or banker hand equal a Natural, the other hand shall not be allowed to draw any additional cards and the hands shall be settled as-is.

• The player-dealer shall pay all winning Player line wagers made by players when the player hand is closer to nine than the banker hand.

• The player-dealer shall pay all winning Banker line wagers made by players when the banker hand is closer to nine than the player hand.

• The player-dealer shall collect all losing Player line wagers made by players when the banker hand is closer to nine than the player hand.

• The player player-dealer shall collect all losing Banker line wagers made by players when the player hand is closer to nine than the banker hand.

• The Player line and Banker line wagers made by players shall push if the player and the banker hands both have the same numerical value. In this case, neither the player nor the player-dealer wins or loses; all Player line and Banker line wagers shall push, no action shall be taken on the Player line and Banker line wagers, and they shall be returned to the players.

• The player-dealer shall pay all winning Tie wagers made by players when the player hand and the banker hand have the same total.

• The player-dealer shall collect all losing Tie wagers made by players when the player hand and the banker hand do not have the sane total.

• The player-dealer shall pay all winning Dragon 7 wagers made by players when the banker hand has a three card hand that totals seven and beats the player hand.

• The player-dealer shall collect all losing Dragon 7 wagers made by players when the banker hand does not have a three card hand that totals seven and beats the player hand.

• The player-dealer shall pay all winning Panda 8 wagers made by players when the player hand has a three card hand that totals eight and beats the banker hand.

• The player-dealer shall collect all losing Panda 8 wagers made by players when the player hand does not have a three card hand that totals eight and beats the banker hand.

Tie

• For each seated position, there shall be one separate and specifically designated area for the placement of a Tie wager. A player may place a Tie wager regardless of whether they have placed a Player line wager or a Banker line wager.

• Backline betting is permitted on the Tie wager.

• The Tie wager takes into account the total value of the player's hand and the total value of the banker's hand, regardless of the number of cards each hand has, at the completion of the round. The Tie wager shall win in the event that the player hand and the banker hand have the same value after each hand has been completed according to the guidelines above. The Tie wager shall lose if the player hand and the banker hand do not have the same value after each hand has been completed according to the guidelines above. There is not opportunity for

the Tie wager to push, it may only win or lose.

• The Tie wager remains in action regardless of the outcome of any other wager(s) that the player has placed.

• The player-dealer shall pay all qualifying Tie wagers and shall collect all Tie wagers that did not qualify. Wagers are collected or paid, to the extent that the player-dealer's wager covers. Once the player-dealer's wager has been exhausted, the wagers not covered by the player-dealer shall be returned to the respective players.

• A qualifying Tie wager shall be paid according to the table, as shown below.

Tie Pay Table

Dragon 7

• For each seated position, there shall be the separate and specifically designated area for the placement of a Dragon 7 wager. A player may only place a Dragon 7 wager if they have also placed either a Player line or Banker line wager prior to cards being dealt.

• Backline betting is permitted on the Dragon 7 wager.

• The Dragon 7 wager takes into account the total value of the player's hand and the total value of the banker's hand. The Dragon 7 wager shall win in the event that the banker's hand consists of three cards that have a value of seven and the hand wins, and the player hand has a value of six or less, regardless of the number of cards in the player's hand, and the player hand loses. The player hand and the banker hand must be played according to the guidelines above. The Dragon 7 wager shall lose in the event that the banker hand is dealt three cards that have a

value of seven and the hand loses to the player hand, the banker hand is not dealt three cards that have a value of seven, or the banker hand loses to the player hand. There is not opportunity for the Dragon 7 wager to push, it may only win or lose.

• The Dragon 7 wager remains in action regardless of the outcome of any other wagers that the player has placed.

• The player-dealer shall pay all qualifying Dragon 7 wagers and shall collect all Dragon 7 wagers that did not qualify. Wagers are collected or paid, to the extent that the player-dealer's wager covers. Once the player-dealer's wager has been exhausted, the wagers not covered by the player-dealer shall be returned to the respective players.

• A qualifying Dragon 7 wager shall be paid according to the table, as shown below.

Dragon 7 Pay Table

Panda 8

• For each seated position, there shall be the separate and specifically designated area for the placement of a Panda 8 wager. A player may only place a Panda 8 wager if they have also placed either a Player line or Banker line wager prior to cards being dealt.

• Backline betting is permitted on the panda 8 wager.

• The Panda 8 wager takes into account the total value of the player's hand and the total value of the banker's hand. The Panda 8 wager shall win in the event that the player's hand consists of three cards that have a value of eight and the hand wins, and the banker hand has a value of seven or less, regardless of the number of cards in the player's hand, and the player hand loses. The player hand and the banker hand must be played according to the guidelines above. The Panda 8 wager shall lose in the event that the player hand is dealt three cards that have a

value of eight and the hand loses to the banker hand, the player hand is not dealt three cards that have a value of eight or the player hand loses to the banker hand. There is not opportunity for the Panda 8 wager to push, it may only will or lose.

• The Panda 8 wager remains in action regardless of the outcome of any other wager(s) that the player has placed.

• The player-dealer shall pay all qualifying Panda 8 wagers and sham collect all Panda 8 wagers that did not qualify. Wagers are collected or paid, to the extent that the player-dealer's wager covers. Once the player-dealer's wager has been exhausted, the wagers not covered by the player-dealer shall be returned to the respective players.

• A qualifying Panda 8 wager shall be paid according to the table, as shown below.

Panda 8 Pay Table

California Game

The game of EZ Baccarat utilizes a player-dealer position and is a California game. The position shall be offered systematically and continuously in a clockwise manner around the table after every two hands. The player-dealer shall collect all losing wagers, pay all winning wagers, and may not win or lose more than the original amount wagered. Once the player-dealer's wager has been exhausted, the wagers not covered by the player-dealer shall be returned to the respective players. The gambling establishment does not participate in the actual play of the game and has no interest in the outcome of the play.