All natural, silver-based antimicrobial additive by Agion prevents the growth of bacteria, mold, fungus and mildew on the binder's surface. Built-in protection. Antimicrobial protection does not wear off and lasts for the life of the binder. Agion's additive is based on silver (not nanosilver)—Nature's Antimicrobial. Agion has global registrations including the EPA and FDA. Lifetime product guarantee—A Binders for Life product. Organize your binders using fast-reference label holders. Locking D-rings mounted on back cover allow pages to lie flat and reduce wear and tear while holding up to 25% more pages than standard round rings. Two clear, inside pockets provide extra storage for loose documents.