Armor Attribute Penalty
Many armors impose an Attribute Penalty which applies to a character's Armor Class, Touch, and Reflex defense scores. This Attribute Penalty represents the imposition that bulky armors impose on a character's ability to move.
The attribute penalty reduces any positive Dexterity Accuracy (or Intelligence Accuracy if appropriate for Reflex) bonus (to a minimum of 0) as it is applied to the AC, Touch and Reflex defense scores. Calculations for the scores can be found on the Armor Class, Touch, and Reflex pages respectfully. Characters that have a negative modifier do not suffer any worse effect from the Armor Attribute Penalty.