Underneath the half flap there are three compartments, plus a front organizer and zip pocket. The front organizer is gusted and secured with a magnetic snap and contains ten credit card sleeves, a full length drop pocket and a zippered pocket. The first compartment is gusted and includes two cell phone pockets and two pen sleeves. The other compartment is also gusted and includes a removable key ring. On the rear exterior there is half gusted zippered pocket. The strap is fully adjustable for a comfortable fit cross body or on the shoulder.