Includes a sturdy binder with undated calendar pages, tabbed address/phone directory, tabbed monthly dividers, 24-sheet lined notepad, business/credit card holder, vinyl zip pouch, handy reference pages and a page locator. Crushed-grain simulated leather. Attache style cover with handle for carrying ease. 1 1/2" ring element. Cover Color(s): Black; Sheet Size: 8 1/2 x 11; Closure: Zipper; Binding Type: 3-Ring.