Your handicap index is 20.4, multiply that by the slope rating for Hollandbush of 131 = 2672.4 which is then divided by the base slope rate of 113 = 23.6495574 which is rounded to 23.6 then X 0.95 = 22.42 which is a playing handicap of 22 ??
You are responsible to put your COURSE HANDICAP on your card not playing.
I hope this helps.