An improved binder, of one step construction manufactured from a single sheet of material comprising front and back covers, a backing disposed therebetween joining the covers and forming a continuation of the plane of the adjacent covers a plurality of fastening means, each fastening means formed integrally from one portion of one of said covers and forming a continuation of the plane of said cover at the juncture of the fastening means and the cover thereby presenting a cut-out portion in the cover corresponding to the shape of the fastening means when a part of the fastening means is lifted from the plane of the binder cover, each of said fastening means comprising a strap and tab, the strap forming a continuation of the plane of the cover at one end, the tab being disposed at the other end of the strap and forming a continuation of the plane thereof and of a width at the juncture with the strap to define therewith at least one locking shoulder, a plurality of slots disposed in said binder, one slot for each fastening means, through which slot each fastening means is inserted for positioning exterior of the binder cover, for insertion through the cut-out portion in the cover to be positioned within the interior of the binder and be locked and secured therein by at least one locking shoulder of said tab engaging cover portions on either side of the cut-away portion.