This  is a great starter kit for an english horse rider.  It has been an amazing first saddle and I treated it very well and well hate selling it.  Oiled and Conditioned monthly.  NO RIPS OR TARES only lit wear from use and age.  Comes with Dark black bridle with snaffle bit. No Girth-Since I have a draft cross and his girths are two big for most horses. As well as a bevel pad and NOT the White Pad  That one is stained with thrush oil.  But ill be putting 2 AP saddle pads in good condition with this item. Plus the stirrup leathers  and the stirrups with stirrup covers to protect the saddle.  It does have my name plate on there but it can be easily remove on my side or yours depending on what you want and add your own name plate.  I kept this saddle even when I bought a new  saddle, and used it as my schooling saddle since its that nice.  Don't want to sale but need to down size my tack room so I can afford lessons for my horse.  Well even through in a used starting kit of grooming supplies.