spade 
heart 
diamond 
club 
 
spade 5 4
heart 10 7 5 3 2
diamond 9 6 4 3
club J 4
  spade 
heart 
diamond 
club 
  spade 
heart 
diamond 
club 
 

Matchpoints, Both Vulnerable

South West North East
1NT Pass 3NT All Pass