Includes a pad of paper. Opposite the pad, is a great organization section. In the middle is a slot to hold your pen/pencil, and on the side you will find 5 card holders, an ID window, 2 slip pockets (one large/one small) for keeping items together, and a long zippered pocket to keep your smaller valuables. The exterior also has a full length slip pocket for papers you want to access quickly. Measures 13.5 x 9.75 x 1 inches closed