The Cross 14 KT Gold filled Ballpoint Pen & Pencil Set is a vintage collectible made in the USA. This set features a luxurious gold-filled design making it a stylish and elegant writing instrument.

It has the initials NMA  and 1988.  I dont know if the initials are personalized or if its part of the design identification. I've researched and haven't found out.   The set really doesn't look much used.