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It is full handicap, max 20. Will be tough for me as I am already 6 shots off at the start.
Stick to that hybrid, keep the ball in play on the short stuff off the tee and you'll do well. Especially on holes SI-1-7 where you get shots. He may try and send one out there to make up for the strokes on that hole, and if he's anything like me as a 13capper that will probably mean missing the fairway.
Why is it max 20?
Interestingly, our club has always had a hcap limit of, I think, 20 in matchplay comps even when it was 3/4 difference.
Does it also have a big sign on the clubhouse saying 'High Handicappers Not Welcome' or do they only have to pay 3/4 of the subs?