diff --git a/OpenSim/Region/CoreModules/Avatar/AvatarFactory/AvatarFactoryModule.cs b/OpenSim/Region/CoreModules/Avatar/AvatarFactory/AvatarFactoryModule.cs
index cb210af263..21b6789940 100644
--- a/OpenSim/Region/CoreModules/Avatar/AvatarFactory/AvatarFactoryModule.cs
+++ b/OpenSim/Region/CoreModules/Avatar/AvatarFactory/AvatarFactoryModule.cs
@@ -870,8 +870,11 @@ namespace OpenSim.Region.CoreModules.Avatar.AvatarFactory
                         }
 
                         // Ignore ruth's assets
-                        if (appearance.Wearables[i][j].ItemID == AvatarWearable.DefaultWearables[i][0].ItemID)
-                            continue;
+                        if (i < AvatarWearable.DefaultWearables.Length)
+                        {
+                            if (appearance.Wearables[i][j].ItemID == AvatarWearable.DefaultWearables[i][0].ItemID)
+                                continue;
+                        }
 
                         InventoryItemBase baseItem = new InventoryItemBase(appearance.Wearables[i][j].ItemID, userID);
                         baseItem = invService.GetItem(baseItem);