**How is a handicap
determined?**

**A course “handicap” is determined from several
factors. First, the course rating and slope are established indicating the
difficulty of the course. Second, the standard slope of 113 is used. (This is
the average slope established by the USGA.) Finally, the score “differential
and index” are calculated using these figures and your “Adjusted Gross Score”. Therefore
, your handicap will be:**

**Handicap “index” X 118/113
= Your handicap**

**Example: An index of 12.7
X 118/113 = 13 Handicap**

**What is an “Adjusted Gross
Score”?**

**Your adjusted gross score is your actual score
minus the “Equitable Stroke Control” amount for a score on a bad hole. The USGA
has established the following table and strokes should be “adjusted” downward
based on your handicap.**

**What is the handicap
“Differential”?**

**A Handicap Differential is computed from
four elements: Adjusted Gross Score, USGA Course Rating, Slope
Rating, and 113 (the Slope Rating of a course of standard
difficulty). To determine the Handicap Differential, subtract the USGA
Course Rating from the Adjusted Gross Score; multiply the
difference by 113; then divide the resulting number by the Slope Rating.
Round the final number to the nearest tenth. **

*Handicap Differential*** = ( Adjusted Gross
Score - USGA Course Rating) x 113 / Slope Rating**

**The following is an example for determining a Handicap
Differential using an Adjusted Gross Score of 82 made at ICC which
has a USGA Course Rating of 69.2 and a Slope Rating of
118:**

**Adjusted Gross Score - USGA
Course Rating: 82 – 69.2 = 12.8**

**Difference x Standard Slope
Rating: 12.8 x 113 = 1446.4**

**Result / Slope Rating:
1446.4 / 118 = 12.26**

**Handicap Differential
(rounded): 12.3**

**What is a handicap index?**

**The Handicap Index formula is based on the
best Handicap Differential(s) in a player's scoring record. If a
player's scoring record contains 20 or more scores, the best 10 Handicap
Differentials of the most recent 20 scores are used to calculate the Handicap
Index. As the number of scores in the scoring record decreases the
percentage of scores used in a scoring record decreases from the maximum
of the best 50 percent. If the scoring record contains 9 or 10 scores,
only the best three scores (30 to 33 percent) in the scoring record will
be used. Thus, the accuracy of a player's Handicap Index is directly
proportional to the number of acceptable scores posted. A Handicap Index
cannot not be calculated for a player who has returned fewer than five
acceptable scores. **

**Twenty
scores available. The following is an example of a Handicap Index
calculation for a player with 20 scores.**

**Total of 10 lowest Handicap
Differentials: 154.8 **

**Average (154.8 / 10):
15.48 **

**Average multiplied by.96:
14.861 **

**Delete all digits after
tenths: 14.8 **

**Handicap Index: 14.8 **

**Now multiply the index X
the slope and then divide by 113**

**Ex: 14.8 X 118/113 = 15.4
(rounded to 15)**

**Handicap is 15**

**(It should be noted that
an index with a decimal place of .5 or higher may or may not move a golfer to
the next highest handicap due to the final formula established by the USGA) **

** **