These pages were created in Microsoft words so that you can change any of the labels, headings, or pics. The first page is the title page for the front of the notebook. Each consecutive page can be glued onto the divider or you can insert the page into a page protector and attach a divider label to it. Page 11 contains the divider labels. These can be printed on paper or cardstock and inserted into the label holders. The last page is the label for the spine.