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Competing from Different Tees
One of the most frequently overlooked policies prescribed by the USGA Handicap System Manual is the adjustment to be made when players compete from different tees. When playing different sets of tees, each player should first determine their individual course handicap based upon their handicap index. Additionally, you must also adjust for the difference in the course rating of the tees being played.

Example – Playing From Different Tees
Jim has a handicap index of 5.6 and Fred has an index of 17.4. After looking at the handicap chart in the pro shop, they determine that Jim’s “course handicap” from the Blue tees is 6 – Fred’s “course handicap” from the White tees is 21. Should Jim give Fred 15 strokes?” – The answer is probably no.

Typically, the Course Ratings of the two tees involved are different. Assuming the Blue Tee rating is 73.2 and the White Tee rating is 71.0, there is a rounded difference of 2-strokes between these two tees. So…Jim should receive a 2-stroke increase in his course handicap (6+2=8) and now he gives Fred only 13 strokes (21-8), not the full 15-strokes we first thought.

This adjustment is called a “Section 3-5” adjustment named after the section number in the USGA Handicap System Manual. For more detailed examples, please see http://www.usga.org/playing/handicaps/manual/handicap_system_manual.html