When the Banker holds a two-card total of 4, the decision splits cleanly depending on whether the Player drew: if the Player stands on 6 or 7, Banker 4 always draws; if the Player draws a third card, Banker 4 draws on 2, 3, 4, 5, 6, or 7 and stands on 0, 1, 8, or 9. Across the 10 possible Player third-card values (0–9), Banker starting total 4 draws on 6 values and stands on 4 values, while drawing whenever the Player stands on a two-card 6 or 7.
Verified 8-deck shoe trajectory paired with the Banker starting total 4 resolution matrix.
This bead is at Row 4. Column 1 stopped at Row 1, more than one row above → red (=).
Common table reading watchout: Thinking "no bead at this row" means blue. It is blue only when Column 1 stopped exactly one row above this bead.
Column 5 has 1 bead. Column 3 has 1 bead. Same depth → red (=).
Common table reading watchout: Comparing the wrong columns. Compare Column 5, the one that just finished, with Column 3.
This bead is at Row 2. Column 3 stopped at Row 1, one row above → blue (≠).
Common table reading watchout: Thinking "no bead at this row" means blue. It is blue only when Column 3 stopped exactly one row above this bead.
Verified by bankerDraws(4, null) === true.
Exact BANKER_TABLEAU[4] positive draw cells.
Exact BANKER_TABLEAU[4] standing cells.
Verified two-card Banker combination summing to 4.
Drawing values 1 through 5 raise Banker 4 without modulo-10 wraparound.
When the Banker holds a two-card total of 4, the decision splits cleanly depending on whether the Player drew: if the Player stands on 6 or 7, Banker 4 always draws; if the Player draws a third card, Banker 4 draws on 2, 3, 4, 5, 6, or 7 and stands on 0, 1, 8, or 9.
When the Player draws a 0, 1, 8, or 9 onto a starting total of 0–5, the Player's resulting three-card total is frequently weak (for instance, 4+8=2, 5+8=3, 3+9=2, 4+9=3, 0+0=0, 1+0=1, 2+0=2, 3+0=3). A Banker holding 4 already leads most of those finished Player hands, whereas drawing onto 4 risks pulling a 6, 7, 8, or 9 and wrapping modulo-10 to 0, 1, 2, or 3.
First check whether the Player stood on 6 or 7. If the Player stood, Banker 4 follows the 0–5 rule and draws. If the Player took a third card, inspect only the point value of that third card (never the Player's three-card sum): draw on 2 through 7, stand on 0, 1, 8, and 9.
| Player 3rd Card Value | Banker 4 Decision | Sample Player Hand | Sample Banker Resolution | Cards Used & Result |
|---|---|---|---|---|
| Player 3rd Card = 0 (10) | STAND on 2 Cards | 10+K → +10 = 0 | 2+2 stands at 4 | 5 cards (B wins) |
| Player 3rd Card = 1 (A) | STAND on 2 Cards | 10+A → +A = 2 | 2+2 stands at 4 | 5 cards (B wins) |
| Player 3rd Card = 2 (2) | DRAW 3rd Card | A+A → +2 = 4 | 2+2 (4) → +5 = 9 | 6 cards (B wins) |
| Player 3rd Card = 3 (3) | DRAW 3rd Card | A+2 → +3 = 6 | 2+2 (4) → +5 = 9 | 6 cards (B wins) |
| Player 3rd Card = 4 (4) | DRAW 3rd Card | 2+2 → +4 = 8 | 2+2 (4) → +5 = 9 | 6 cards (B wins) |
| Player 3rd Card = 5 (5) | DRAW 3rd Card | 2+3 → +5 = 0 | 2+2 (4) → +5 = 9 | 6 cards (B wins) |
| Player 3rd Card = 6 (6) | DRAW 3rd Card | 10+K → +6 = 6 | 2+2 (4) → +5 = 9 | 6 cards (B wins) |
| Player 3rd Card = 7 (7) | DRAW 3rd Card | 10+A → +7 = 8 | 2+2 (4) → +5 = 9 | 6 cards (B wins) |
| Player 3rd Card = 8 (8) | STAND on 2 Cards | A+A → +8 = 0 | 2+2 stands at 4 | 5 cards (B wins) |
| Player 3rd Card = 9 (9) | STAND on 2 Cards | A+2 → +9 = 2 | 2+2 stands at 4 | 5 cards (B wins) |
The symmetry of the 2–7 draw window on Banker 4 directly contributes to the Banker's 1.06% house edge advantage over the Player's 1.24% house edge.
Because every card drawn from the shoe alters both the current hand and the remaining shoe composition, dealers execute the Banker 4 rule mechanically before announcing the winning side and logging the result onto the Big Road and derived scoreboards.
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