 Moments after Ian Woosnam discovered he had an extra club
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In other words: Golfers are always adding new clubs for a round (I do it all the time, except in competition) but if I have a few extras in the bag during a round, I won't be able to submit my score to get my handicap adjusted or reach the next round of a matchplay competition. Most famous incident is when Ian Woosnam reached the second tee in contention for the final round of the 2001 Open Championship to discover he had two drivers and a total of 15 clubs in his bag.
Penalty: Two strokes for each hole you play with more than 14 clubs, with a maximum penalty of four strokes in strokeplay. Deduct one hole for each hole played with more than 14 clubs (maximum of two holes).
You hit a provisional ball when your ball has, most likely, landed in a water hazard.
Rule 27-2 says: If a ball may be lost outside a water hazard (including a lateral water hazard) or may be out-of-bounds, to save time a player may play another ball provisionally.
In other words: You can't play a provisional ball solely because you believe the original ball might be lost in a water hazard. If you do, the second ball is not a provisional; it is in play and you incur a stroke penalty. If a ball enter a water hazard you can hit from the original spot but that ball becomes the one in play and you can't elect to drop near the hazard. You can't re-load and then decide what works best for you. If your original ball is outside of the hazard line, pick it up.
Penalty: Two strokes in stroke play and loss of hole in a match.
You improve your lie
Rule13-1 says: The ball must be played as it lies.
In other words: Lifting the ball out of a sand-filled divot (okay as long as procedure is acceptable under preferred lies Rule), teeing it up in the rough or moving your ball away from a fence or other immovable obstruction is against the Rules.
Penalty: Two strokes in stroke play and loss of hole in a match.