In baccarat, a third card may be drawn based on the initial two-card totals. If the player’s total is 0-5, they draw a third card; if 6-7, they stand. For the banker, if their total is 0-2, they draw a third card. If 3-6, drawing depends on the player’s third card value. With 7, the banker stands. Totals of 8 or 9 for either result in a "natural," and no further cards are drawn.