Al and Bob played a match, with Al giving Bob five strokes. The match was all square after 18 holes. The competition rules called for the match to continue in sudden death, starting on hole #1.

On the tee, Bob pointed out that that hole was handicap #5, so he gets a stroke.

Al disagreed, saying that they were still playing the match and that Bob only got five strokes, which he already used.

Who's correct?

(In the actual match, Al had a bogie while Bob shot par, so the stroke was not an issue.)