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Sterling Zipper Binder with retractable handles offers softly padded vinyl with the look and feel of napa leather. Wraparound zipper provides security for important papers. Softly lined interior pocket is perfect for your iPad and other tablets up to 10.1. Design also offers sleek radius corners, two full-length exterior storage pockets, inside snap-closure document pocket, dual-powered calculator, business card and CD pockets, pen loop, 2" removable ring metal for loose-leaf pages and letter-size writing pad."