This 12x12 memory album initially contains 20 pages: 10 Top Loading sheet protectors and 10 black paper scrapbook inserts. Constructed with archival quality paper and plastic, that is acid, lignin and PVC free. The inserts easily slide out of post-bound seamless sheet protectors. Digital or conventional images can also be transferred by printer or copier to these inserts. This memory book is screw post bound and accepts unlimited refills.