Zippered closure. 1" three-ring binder. 2 documents pockets. Velcro pocket. 2 USB Flash Drive memory holder loops. Pen loop. 7 business card holders. Includes 8.5" x 11" Owl writing pad made of recycled paper with Owl watermark on each page. Owl education hang tag. US Certified. Refills available www.leedsworldrefill.com Refill item number 3091-02RF