Default tees are determined by your GHIN handicap index:

5.4 and less: Gold tees
5.5 thru 13.4: Blue tees
13.5 thru 20.4: White tees
20.5 and above: Red tees

Members are responsible for knowing their default tee.
The JHGA handicap committee reserves the right to adjust handicap indexes that are not aligned with a player's ability.
Default tees may also be adjusted to provide equity for all players in the field.