Abstract: An inserter system for inserting folded sheets into an envelope providing at least one sheet feeding station for feeding individual sheets and an accumulation station in communication with the at least one sheet feeding station having a curved paper path wherein individual sheets are fed into the curved paper path from the at least one sheet feeding station and are accumulated therewithin. A folding station is in communication with the accumulation station for receiving an accumulation of sheets from the curved paper path for folding the accumulation of sheets.