When the last card is drawn during play, shuffle the discarded track cards and place them face down next to the board. Each player takes one share of the Union Pacific and adds it to the three track cards in his hand. Place the remaining Union Pacific shares in a stack next to the board. Shuffle the share cards of the other ten railway companies and deal four to each player face down. The players add these to the single Union Pacific share and the three track cards in their hands.
All players select one of the five shares in their hands and place it face down on the table.
The players turn these shares face up at the same time. These first shares are the players initial investments in the railway companies. The cards in the players hands should be kept secret from the other players. Draw four cards from the share stack and place them face up next to the board. Divide the remaining share cards into three groups.