Vinyl 1 3-ring binder with plastic window I.D./card holder, pen loop (pen not included) and brown felt lining. Includes a refillable EC3197 ECO 3-hole punched notebook with saddle-stitched binding, 13 pt soft cover and 96 ivory lined pages. Notebook pages and covers are colored with organic, soy based inks and are made in Canada with 90% recycled materials