Moterm Personal Regular Rings pebbled black Inside: 1. Compartments and pocket slots for several business and/or credit cards; Inside 2. A large back pocket for bills or papers. Secretarial pocket for storing papers; 3. One penloop. 5. A leather flyleaf with 3 card slots gives it an exclusive look. Rings: Silver color rings, 25mm rings, 6 rings. Rings can be exchanged via opening the screws. Fits inserts 6.75 x 3.75 inches Smoke free home Pre loved gently used. Beautiful and great used condition. I purchased and used it once. Not for me and it has so much more life left. Hole puncher sold separately