Naked Agility (D&D)

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Unofficial rules compendium

A character that wears no armor, shield, shoes, gauntlets and only light weapons and minimal clothes similar to a monk's or entertainer's outfit and whose total encumbrance does not exceed 1/10 of her light encumbrance limit qualifies gets a +2 bonus on all skills affected by armor penalty. In effect, you have a positive armor penalty. This affects Balance, Climb, Escape Artist, Hide, Jump, Move Silently, Sleight of Hand, and Tumble checks, and a +4 bonus on Swim checks.

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A character that wears no armor, shield, shoes, gauntlets and only light clothes similar to a monk's outfit gets a +5 bonus on Climb, Escape Artist, Jump, Swim, and Tumble skill checks. Such a character can carry no item larger that two size codes smaller than herself (such as a light weapon or very small bag) and any number of smaller items, as long as the total weight does not exceed 1/10 of her light encumbrance limit. All gear must be strapped to the body.

When using Jump, the character can be wielding a staff or spear, otherwise her hands must be free.