Baffled about ac

[Phantanya]

I am confused. I was trying to pinpoint the problem with my ac and came to a dead end. my shield does not give me the shield modify ac it claimes.
I am not sure where i am loosing the ac.
I have 38 bard/1monk/1 fighter.
I am wearing
+10 robes
+15 cloak
+15 ammy
+12 boots
helm with
10 dex
10 wis
haste

If I did not have the monk lvl would I get the sheild bonus?
what gives...?
why wont the 10 ac sheild mod give me +10?

Thanks
Phantanya

[ronchese]

You get Monk wisdom AC when not wearing armor or shield. Once you equip shield, your lose the wisdom bonus to AC and count only the additional shield bonuses.

[Phantanya]

I knew that.
No...really I was just testing you guys.

[doomsdaybringer]

what do u mean by 10 dex and 10 wis? are they addation ac from those state or ur state withour buff?