Exchange Baccarat uses the same standard Baccarat drawing rules that you would find in a casino, which are as follows -
Once the player and the banker have both been dealt two cards :

1. If either player or banker have a score of 8 or 9 then both players stand. This rule overrides all others.
2. If the player has a score of 6 or 7 then the player stands
3. If the player stands, the banker hits on a score of 5 or less
4. If the player has a score of 5 or less, the player hits

If the player takes a third card, then the banker takes a third card in accordance with the following table: