I have been using Sherpani shoulder wallets and purchased this as a replacement.

The surprise for me was that the zipper on this black wallet is now a white zipper.  Personally I prefer a black zipper.  The white zipper makes it look more casual and less flexible as an accessory when you're semi dressed up.

The only problem I've had with these wallets in general is that after several years of use, the fabric making the credit card storage pockets either loosens or tears at the seams (can be repaired with super-glue BTW) and if you accidentally leave the wallet unzipped, the loose pockets can let go of the cards if the wallet is tipped on the side (as it would be if you were wearing it on the shoulder.  So keep an eye on the seams as the wallet ages.

I'm giving it a 3 because of the color choice on the zipper.  Otherwise a 4.