13.1.1	a chung denoting House bank will be placed on playing area one and the House tiles dealt to that area. After collecting all tiles not in play the dealer shall move the tiles from playing area one to the front of the float;
13.1.2	the dealer shall arrange and set the House hands after all player's hands have been set;
13.1.3	the dealer shall expose the House hands in front of the float before exposing the players hands;
13.1.4	the House hands shall be set with the low hand in a vertical position to the dealer and the high hand in a horizontal position to the dealer;
13.1.5	the game supervisor will confirm that the House hand has been set the House way;
13.1.6	the dealer shall expose each player's hands in turn, counter clockwise, from playing area one and match each hand;

13.1.7	losing wagers are picked up and placed into the float and the related tiles placed in the designated area;
13.1.8	the dealer shall pay, in accordance with rule 14.1, all winning wagers counter clockwise from playing area one, picking up the tiles as payment is made and placing them in the designated area;
13.1.9	if a hand is a stand-off, the tiles shall be removed and placed in the designated area and the wager shall remain.

13.2.1	a chung will be placed on the player/banker's playing area and the player/banker's tiles shall be dealt to that playing area;
13.2.2	the player/banker shall place a wager. If the banker fails to cover the total of declared wagers the game shall be conducted as per rule 13.3;
13.2.3	the player/banker shall set his/her hands after all other hands have been set and may expose the hands so set;
13.2.4	the dealer shall bring the player/banker's hands to the front of the float and ensure they are exposed to the players;
13.2.5	the dealer shall then expose each players' hands in turn, counter clockwise from the chung, and match each hand;
13.2.6	all losing wagers are picked up immediately and placed in the losing wager area. The losing tiles are picked up at the same time and placed in the designated area;

13.2.7	the dealer shall pay, in accordance with rule 14.1, all winning wagers from the losing wager area, counter clockwise from the chung, picking up the tiles as payment is made. The remaining total from the losing wager area is handed to the player/banker, less commission, in accordance with rule 14.2;
13.2.8	if there are insufficient funds in the losing wager area to pay winning wagers, the shortfall shall be taken from the player/banker's wager;
13.2.9	if a hand is a stand­off, the tiles shall be removed and placed in the designated area and the wager shall remain.

13.3.1	on being offered the bank, the player/banker shall indicate whether the House is to co-bank. If co-banking is requested the dealer shall ensure the player/banker has sufficient funds to match 50% of the total amount wagered by players on that hand;
13.3.2	the dealer shall take the player/banker's wager, together with an equivalent amount from the float and place it in the area designated for the co-banking wager;
13.3.3	the dealer shall place the player/banker's tiles in front of the float;
13.3.4	the dealer shall set the co-banking hands the House way after all other hands have been set;
13.3.5	the dealer shall open each player's hands in turn, counter clockwise from the chung and match each hand;
13.3.6	all losing wagers are picked up immediately and placed in the losing wager area. The losing tiles are picked up at the same time and placed in the designated area;

13.3.7	the dealer shall pay, in accordance with rule 14.1, all winning wagers from the losing wager area, counter clockwise from the chung, picking up the tiles as payment is made;
13.3.8	if a hand is a stand-off, the tiles shall be removed and placed in the designated area and the wager shall remain;
13.3.9	chip values remaining in the losing wager area after settlement of all player wagers shall be divided equally between the co-bankers;
13.3.10	the House portion of such excess and the House's original wager are returned to the float and the player/banker's original wager is returned to the player banker. The remaining portion from the losing wager area is handed to the player/banker, less commission, in accordance with rule 14.2;
13.3.11	if there are insufficient funds in the losing wager area to pay winning hands then the funds shall be taken from the co-bank wager. Any funds left after settlement of all winning and losing wagers shall be halved and the House portion placed in the float and the player/banker's portion handed back.