The third card rule may appear complicated at first however is rather straightforward once broken down. Whether a 3rd card is drawn is determined by the initial totals of the Player’s and Banker’s cards:

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The Banker’s determination to draw a third card is extra complex and relies upon partly on the Player’s third card if one is drawn. If the Banker’s hand totals 0-2, they draw a 3rd card. If the Banker’s hand totals 7, they always stand. For totals of 3-6, the Banker’s actions depend upon the Player’s third card.

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