Microfibre 1" Zip Binder features a sleek design and smart functionality while keeping everything you need zipped up in one place. Binder is made of sturdy, water-resistant microfibre material with leatherlike kidskin spine for long life. Design provides an expanding interior pocket, business/credit card pockets, mesh pocket for cell phone or PDA and pen loop. Binder includes a multifunction calculator and letter-size perforated, three-hole punched writing pad with 40 sheets. Sheet capacity for the binder is 100 sheets.