Coward (3.5e Flaw)
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You are susceptible to fear.
Prerequisite: Must not be immune to fear.
Effect: You have a -6 penalty on all saves against fear effects. Even if you succeed on such a save, you are still shaken for 1 round.
Special: If the effect would normally leave you shaken on a successful save, then you become frightened, instead. If the effect would normally leave you frightened on a successful save, you become panicked. This flaw overrides any class features, such as a Paladin's aura of courage, should they come into conflict.