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With a total of 5, the banker gets a third card but not if the player draws , 2, three, eight,1, or 9 as the third card. The points in baccarat are added differently, and the value of hand that is closest to 9 is the 1 that wins. When a hand’s value reaches double numbers, the 2nd number in the total automatically becomes the hand’s worth. The commissions due to the casino for winning "bank" bets can vary.

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