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Your character is not proficient with a shield, thus you get a penalty (equal to its ACP) on all attacks. That's the -2 armour penalty. You then get an additional -2 penalty because of Weapon Finesse and a shield.
This has nothing to do with the WiS data files - I don't have them at all, so they weren't active. You could report this as a bug if you don't think both penalties should stack.
Current RPG's: Pathfinder (GM), Pathfinder (Player), Gamma World (GM, Pathfinder homebrew).
HeroLab: 3.5 & Pathfinder. HL User Files for PF: Greyhawk Setting, Gamma World (WIP).
DM and player of D&D since 1980.
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