Hold-up and Avoidance - Deal 4
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Bidding: : (W) 1NT - 3NT     Lead : ♣5

Trick 1 North
5♣
 
Declarer (W)
A 7 5
K Q 7
A 9 8 5
K Q 6
    Dummy (E)
K 8 2
A 4 3
Q J 10 2
7 3 2
   
South
  Won = 0
Lost = 0

Next

Hold up or not ?.
The hands are almost identical to the ones in Deal 3, except that this time the finess in has to be taken the other way !
This means that if the finesse fails it will be North (with the probable 5-card ♣ suit) that will gain the lead.

In this scenario Declarer holding up the first ♣ trick will not safe the contract.
Instead Declarer must win the first trick with his Q♣. Now, if North gains the lead, Declarer's K♣ is not indanger of being caught, for North either has to lead his A♣ or lead away from it.