Sophisticated pad holder offers the look and feel of leather, a wraparound zippered closure for securing your important information and three-ring, 1" binder for convenient organizing. The dual-handle holder includes four credit card slots and business card/identification holder for easy access and organization. Letter-size pad holder also features three 1" expandable sections with a snap lock and one zipper closure section. Two small pockets offer additional storage. Pencil and pen holder is designed to accommodate two writing instruments. Pad holder also includes a letter-size writing pad and slide-out dual handles on back spines for easy transport.