Ability Deficit (5): You're not in tune with your innate abilities, or maybe you just don't have any. You have 5 less points to spend on either Talents, Skills, or Knowledges, though you can still spend freebies on them. You cannot, however, have an ability in this category higher than 2 at the start of the game.
Graceless (2) : You always look awkward, no matter what you're doing. +2 difficulty to all social rolls that involve making an impression.
Illiterate (1) : You can't read or write. This may make passing yourself off as that learned professor from Oxford a bit difficult.
Speech Impediment (1) : 2 Point penalty to all verbal communication rolls.