Example: John Smith has played 5 rounds (36, 40, 42, 40, 41).

36+40+42+40+41 = 199

199 - 42 (1 High Score Removed for 5 Rounds Played) = 157

157 / 4 (Rounds Being Counted) = 39.25

39.25 - 36 (Par) = 3.25

3.25 * 0.88 (Multiplier for 5 Rounds Played) = 2.86

2.86 Actual = 3 Handicap

*The scores are taken from the most recent 13 rounds with older rounds dropping out.