This is an NK horse saddle. I purchased it used and used it for a while, but I'm not able to go horseback riding much anymore, so I'm selling it. The girth, saddle pad, and fleece pad in the photos are included. The girth has one place where the belt loop is cut, but it didn't affect its use. The stirrup leather rubber is deteriorated, and the nameplate needs to be replaced. Please check the condition in the photos. No claims, no returns accepted.