The lost percent of experience and skills on Nostalther is 8%
Character Promotion reduces the lost percent a further 3% for a total of 5%
Each of the 5 blessings will reduce the lost percent an additional 1%
A Promoted character having all 5 Blessings will lose no experience or skills.
You can get the Twist of Fate at any temple NPC. Twist of Fate protects your regular blessings, in case you die due to PvP fight. For Twist of Fate to work, your killing blow must come from another player.
Having all 5 blessings will also protect you from dropping items. The same effect as wearing an Amulet of Loss.
Henri can be found in the Thais prison and can sell you all 5 blessings.
He will sell you all 5 blessings for 110k.