Time management binder offers a soft pebbled leather like material in an unstructured construction. This versatile silhouette has seven removable rings as well a slot for a notepad. Features four credit card slots, one ID window, two pen loops, secretarial pocket, and external vertical pocket. Interior pockets accommodate calculator, business cards and self-stick notes. Zipper closure for extra security. Accepts all brands of time-management fillers of the designated size.