In some instances it may become necessary for individuals to
play in the same competition while playing from a different set of
tees. In this case an adjustment may be necessary and is
explained below. Keep in mind that 3-5 does not refer to Rule 3-
5 but section 3-5 of the handicap manual.

Specific to GMGA:
    A man playing from the white tees (69.9 rating) playing
    against a man from the w/r combo tees (66.8 rating). The
    payer from the white tee will add 3 strokes to his handicap,
    or the player from the combo tees will reduce his handicap
    by 3 strokes.

USGA Handicap Manual

    The information below was extracted from the USGA web
    site and may be accessed via this link Click Here.

    3-5. Players Competing from Different Tees or Men and
    Women from Same Tees

    a. Different Tees: Men vs. Men; Women vs. Women;
    Women vs. Men Different tees usually have different
    Ratings. Because a USGA Course Rating reflects the
    probable score of a scratch golfer, the higher-rated course is
    more difficult, and the player playing from the set of tees
    with the higher USGA Course Rating receives additional
    stroke(s) equal to the difference between each USGA Course
    Rating, with .5 or greater rounded upward. The additional
    stroke(s) are added to the Course Handicap of the player
    playing from the higher-rated set of tees. (See Decision 3-
    5/1.)

    Example 1: If men playing from the middle tees where the
    men's USGA Course Rating is 70.3 compete against men
    playing from the back tees where the men's USGA Course
    Rating is 72.6, the men playing from the back tees will add
    two strokes (72.6 - 70.3 = 2.3 rounded to 2 ) to their
    Course Handicap.

    Example 2: If women playing from the forward tees from
    which the women's USGA Course Rating is 73.4 compete
    against men playing from the middle tees from which the
    men's USGA Course Rating is 70.9, the women will add
    three strokes (73.4 - 70.9 = 2.5 rounded to 3) to their
    Course Handicap.

Section 3-5 of the Handicap Manual Explained
Graeagle Men's Golf Association
Section 3_5, Handicap Manual
GMGA