I'm really picky about the wallets I buy.  I want a duplicate checkbook compartment and a snap coin purse as well as all the other goodies, including a picture folder.  This one has no picture folder but is pretty good every other way.  I hate zipper coin purses as the zipper often breaks or it is on the side and coins fall out when you turn it over - this one has the snap coin purse & I do like it.  I'm very hard to please and it has proven nearly impossible to get all the features I want so I'm giving it 4 stars instead of five because of the lack of a picture folder.