Moterm Personal Luxe Rings Planner Features: 1. This beautiful organizer will be your companion through your planing and organization. Made from the top grain leathers. Equipped with several compartments to store credit, business cards, and other important belongings. In the large back pocket you can easily keep your bills or papers. Completed with some diary refills, alongside your appointments and notes. 2. It has a flexible design, it has two clasps. The extra clasp allows for a little more length in the strap to allow for planner growth. If you use the second clasp, the strap will cover the first clasp. Material: Croc pattern or pebble pattern grain leather (All of them were made with Cowhide Leather) Inside: 1. Compartments and many card slots for several business and/or credit cards; 2. A large back pocket for bills or papers. Side pockets for storing papers; 3. Leather penloop(not elastic) ; 4. A flyleaf with 3 card slots and an elastic penloop; 5. 48 sheets of undated lined inserts included; Rings: High quality rings, 30mm rings, 6 rings. Rings can be exchanged via opening the screws.