Clean Touch binders promote cleaner schools, offices, homes, and hospitals with built in protection. Agion"s all natural additive fights against the growth of bacteria, mold, fungus, and mildew for the life of the binder. Agion"s additive is nature"s antimicrobial and is based on silver (not nanosilver). Agion has global registrations including EPA and FDA. Lifetime product guarantee - A Binders for Life product. Clear overlay on front, back, and spine for easy customization. Extra storage for loose documents with two clear inside pockets. Locking D-ring holds up to 25% more than regular round rings and is mounted on back lid to reduce wear on paper.