I HAVE BEEN USING AMOS ADVANTAGE ( 1-800-752-6885 SIDNEY, OH ) VARIO PHONE CARD SHEETS - 4VC ; 5 SHEETS ( SHEET HOLDS 8 CARDS ) PER PACK; RETAIL @ $4.95 PACK; OR IF YOU SUBSCRIBE TO "COIN WORLD" MAGAZINE, THEN YOUR COST IS $3.95 PACK. THE POCKETS ARE TOP LOADED AND THE CARDS FIT FOR EASY IN-OUT ( NOT SNUG AS DESCRIBED IN OTHER POST ). THEY ARE PVC-FREE AND FIT IN 3-RING BINDERS. USE YOUR CREDIT CARD AND ARRIVE IN ABOUT 5 BUSINESS DAYS.