On which holes do players receive strokes in a competition?
Handicap strokes are received based on the stroke index, or "handicap" row on the scorecard. For example, a player with a Playing Handicap of 14 receives one handicap stroke on holes allocated one through 14. Players with a plus Playing Handicap will be required to give strokes back starting with the 18th ranked strike index hole. (Appendix E, Rules of Handicapping)