The term GOLF-CLUB HOLDER can be solved by the three letter word BAG. A golf-club holder is a BAG designed to store and transport golf clubs. It is typically made of a durable material such as nylon or leather and has multiple pockets for storing golf balls, tees, and other golfing accessories. The BAG also has straps or handles for easy carrying. Golf-club holders come in a variety of sizes and styles to accommodate different types of golfers.