A game of chance is disclosed that looks like a multi-line gaming machine having a matrix of rows and columns of positions for displaying slot symbols or cards to a player. A player wagers to play one or more games but the actual pay lines are dynamically determined by events that occur during the course of game play, not before. Pay lines are dynamically determined during the course of game play dependent on choices made by the player during the course of game play. The player chooses ones or all of a first, randomly dealt set of slot symbols or cards in one row of the matrix to be held and used in the game play. The symbols or cards not held are discarded and a second, final draw of slot symbols or cards is done in the matrix, including the positions in the one row where cards were discarded. Pay lines are then established through the matrix that all pass through the held cards in the one row of the matrix.