You first need to calculate your course handicap. On MyScorecard you can do this on the Course Handicap page. Then, you compare your course handicap to a fellow golfers, giving the difference in strokes to the higher handicap golfers (Thus a 10 handicap gives a 15 handicap 5 strokes). You would do so on the hardest holes marked by the "Handicap" row on the scorecard (In the example above, it would be a stroke on the 5 hardest holes). This should create an even match between the players.