In this game a player puts up his wager against the banker, rolls two dice, and simply wins if he throws either 2, 3, 4, 10, 11 or 12 and loses if he rolls either 5, 6, 7, 8 or 9.  The players disadvantage in the number of winning combinations is repaid in the payoffs which are:

        Total         Payoff

• 2              3 to 1
• 3 or 4       1 to 1 (evens)
• 10 or 11    2 to 1
• 12            5 to 1

The player is still at a disadvantage, with the overall House edge at 2.8%. Operators not satisfied with their edge sometimes change the odds on a total of 12 to a more modest 3 to 1. New York mob games were known to pay even money on totals of 10, and 4 to 1 on a total of 12.