folder 70 end flap 24 and panel 46 are folded together along fold line 34 as illustrated by arrow 62 so that the internal surfaces of flap 24 and panel 46 rest on the internal surface of panel 14 end flap 24 is later separated from panel 46 by tearing along perforated line 54 for insertion of pictures prior to folding pocket panels 18 and 20 a strip of glue not shown can be provided on the internal surface of panel 18 adjacent flap 24 and the internal surface of flaps 22a and 22b then panels 18 and 20 are folded with the glue on panel 18 attaching to flap 24 then flaps 22a and 22b are glued down as illustrated by arrow 60 so that the internal surface of 22a rests on the internal surface of panel 12 and the internal surface of 22b rests on the external surface of panel 20 in this way when the glue cures the pocket panels 18 and 20 and flaps 22b and 24 will be secured to form folder pockets by tearing along perforated lines 54 and 56 at this point photographs or the like 66 can be installed between slit pairs 52 once backing panel 16 is lifted until securing tab 16b comes out from between panels 18 and 14 see fig3 and is folded back along line 34 referring to fig3 and 6 to install a photograph 66 a finger is used to separate the mounting section 16a at the upper slit.