patch, but part of the wallet is not very good, 5 cards and DL fit snugly enough, but do not stretch and The threads where the two ends are all pre-made rubber bands seem to be unraveling which strikes me as a design flaw. So why not connect the ends under Velcro and the connection will be strengthened? Decent product, tactics and low price that can be used for replacement cards. The packaging was nice and had a handy card ruler.