Zippered closure. Front pocket. 3 front cover business card holders. Interior includes 2.25" x 4.25" solar calculator, documents pocket, 4 pen holders, ID window, 3 business card holders, mesh cell phone holder, and 4 USB memory drive holders. Includes 8.5" x 11" writing pad. Refills available leedsworldrefill. Refill item number 9091-01. Pen not included.