One Arm
You have only one arm. You cannot use two-handed weapons, wield two weapons at once (or a weapon and a shield), or perform any task that requires two arms. You get -4 on tasks that are possible with one arm but that are usually executed with two (e.g., most Climbing and Wrestling rolls). You have no penalty on tasks that require only one arm. In all cases, the GM’s ruling is final. When in doubt, try a quick reality check if possible!
If you originally had two arms, assume that you lost the left arm if you were right-handed, or vice versa. -20 points