Set of 6 A6 binder refills. They are top-loading with a flap. The refills used in the file image in the second photo are ones the seller personally uses. The items you will receive are new and unused, so please rest assured. There are no ring holes, but the circles pop out when lightly pressed, creating holes. Please remove them yourself to use. Saving sheets are also sold separately. If you would like to purchase these at the same time, please let me know in the comments. If you purchase them at the same time, we will ship them after production, so it may take some time. Thank you for your understanding. We also sell other household budget management goods and planners. #TakoOsa'sHouseholdBudgetManagement Please take a look if you are interested.