This vegan leather ring binder is stylish and elegant with golden details. Inside, you'll find pockets for documents and cards, ensuring everything is organised. It also features a pen holder. Designed for longevity, the leather covers simply need new inserts each year. This is only a ring binder, planner inserts can be bought separately. Crafted from premium faux leather, it has versatile planner inserts and a cardholder. This vegan leather ring binder is stylish and elegant with golden details. Inside, you'll find pockets for documents and cards, ensuring everything is organised. It also features a pen holder. Designed for longevity, the leather covers simply need new inserts each year. This is only a ring binder, planner inserts can be bought separately.