The DuraHyde Versa-Folio with FSC® Mix Paper features a zippered closure and removable 1” three-ring binder. The DuraHyde Versa-Folio includes deluxe front and interior organizers and an 8.5” x 11” FSC® Mix writing pad. Refills available at leedsworldrefill. Refill item number 9091-0. Pen not included. Key Features Zippered closure Removeable 1” three-ring binder Deluxe front and interior organizers 8.5” x 11” writing pad Refills available at leedsworldrefill Pen not included