Apex Card

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bulletTo determine the apex card add the value of the cards in the two 5 positions and multiply the total by 5.
bulletAdd the value of the other cards together and add to the product. 
bulletIf the answer is more than one digit, add the digits together.  If that answer is still more than one digit, add the digits together again until you have a one digit number.
bulletThis number becomes the apex card.

 

In our example the apex card is found by adding 4 + 2 and multiplying the sum of 6 by 5 for a product of 30.

The other cards add up to 6 + 4 + 5 + 3 or 18.

The sum of the 30 + 18 or 48.

Add the digits together.  The sum is 12.  Add the digits together again and the sum is 3.

The apex card should be a 3.