Standard Baccarat Rules
In Baccarat, cards 2-9 are worth face value, 10's 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. Simply, when the total value of cards in a hand equals or exceeds 10, the tens digit is dropped. 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 = 0). The name "Baccarat" is unusual in that the game is named after the worst hand, worth 0 (or 'Baccarat'). The highest score that can be achieved is 9.
Source: wikipedia
