In Baccarat, the value of cards is determined by a simple scoring system. Numbered cards 2-9 are worth their face value, while face cards (King, Queen, Jack) and tens have a value of zero. Ace cards are valued at one. When the total hand value exceeds 10, the first digit is dropped, leaving only the second digit. For example, a hand with a 9 and 5 (totaling 14) becomes 4. This system ensures that all hand values range from 0 to 9, simplifying the game's outcome determination.