The one in the picture appears a bit rough worn finish to me, but the one I received is a matte finish but not necessarly "worn out" looking or rough to the touch. The colors are exact. It is almost EXACTLY the same as the picture, I love it, and I have no complaints. Just thought I'd help clarify.

The belt is not stiff at all, and doesnt appear to be one that would wrinkle or tear at the bends.

It also smells of fresh leather!