An initial d100 is made. If you roll <= 5, you auto fumble. If not, then there are some skill checks that are done.
Skill:
Hidden => Ambush
Open => TRUNC((CM Bonus + Ambush Bonus + 1) / 2)
Stats: Dex Bonus + TRUNC(Int Bonus + 1) / 2))
Weapon Modifier: Varies based on weapon. Large/slow weapons have more penalty. Small and maneuverable weapons have a bonus.
Example: 202 CM + Lance (-50 aim) aiming at the head
d100 = 84
Skill = ((302 + 0 + 1) / 2) = 151
Stats = (20 + (22 + 1) / 2) = 31
Attacker modifier = 0 (sitting or prone = -100)
Weapon Modifier = -50
Total = MAX(95, ((151 + 31 - 50) / 2)) = 66
Area Modifier:
Head: -10
Neck: -15
Arms: +10
Legs: +15
Hands: +5
Eyes: -25
Other: 0
Target Status:
Sitting/Prone: +10 if head/neck/eyes, +25 otherwise.
Result = Skill + Area + Target Status + d100 = 66 - 10 + 0 + 84 = 140 > 100 = Success