23e8ace8_r____Dungeons_and_Dragons_Wiki_able__The_Chart_of_Gear_Bogeys_Description
[#] 3 [Gear Bogey] Grandpa's Old Gear [Description] 
Your starting gear is worse. Your armor's check penalty increases by 1. Your weapon's suffer a -1 penalty to attack. Remove any masterwork quality from your items. This penalty does not apply to magical gear.
The Bogey Chart 3 (3.5e Other) - Dungeons and Dragons Wiki