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In baccarat, the decision to draw a third card is determined by specific rules that apply to both the Player and the Banker hands. The rules are as follows:
For the Player hand:
If the Player's initial two-card hand has a total value of 0-5, a third card is drawn.
If the Player's initial two-card hand has a total value of 6 or 7, the Player stands and does not draw a third card.
If the Player's initial two-card hand has a total value of 8 or 9, it is considered a "natural" and no further cards are drawn.
For the Banker hand:
If the Banker's initial two-card hand has a total value of 0-2, a third card is always drawn.
If the Banker's initial two-card hand has a total value of 3, the Banker draws a third card unless the Player's third card is an 8.
For the Player hand:
If the Player's initial two-card hand has a total value of 0-5, a third card is drawn.
If the Player's initial two-card hand has a total value of 6 or 7, the Player stands and does not draw a third card.
If the Player's initial two-card hand has a total value of 8 or 9, it is considered a "natural" and no further cards are drawn.
For the Banker hand:
If the Banker's initial two-card hand has a total value of 0-2, a third card is always drawn.
If the Banker's initial two-card hand has a total value of 3, the Banker draws a third card unless the Player's third card is an 8.