The Objective

The objective of Baccarat is to draw a two- or three-card hand that totals closer to 9 than the banker. 10, J, K, Q count as 0, A is a 1 and all other cards are face value. If your total is more than ten, you drop the ten. So a 7-9 hand totals to 6 (16, drop ten). There is no such thing as a "bust" hand.

The Rules

The banker and the player each draw two cards. If either the player or banker total 8 or 9, both automatically stand, no exceptions. If the player's total is 6 or 7, the player stands. If the player stands, the banker hits on a total of 5 or less. If the player's total is 5 or less, the player automatically hits and the banker gives the player a third card.
If the player receives a third card then the banker draws a third card according to the following:

• Banker's hand totals 0,1,2: Banker always draws a third card.
  
• Banker's hand totals 3: Banker draws if Player's third card is 1-2-3-4-5-6-7-9-0 (not 8)
• Banker totals 4: Banker draws if Player thirds 2-3-4-5-6-7
• Banker totals 5: Banker draws if Player thirds 4-5-6-7
• Banker totals 6: Banker draws if Player thirds 6-7
• Banker totals 7: Banker stands
• Once the final cards are dealt, the one with the total closest to 9 wins.

   

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