Толковый словарь английского языка - binder

noun Date: before 12th century a person or machine that binds something (as books), 2. something used in binding, a usually detachable cover (as for holding sheets of paper), something (as tar or cement) that produces or promotes cohesion in loosely assembled substances, a temporary insurance contract that provides coverage until the policy is issued, something (as money) given in earnest, a tobacco leaf wrapped between the filler and wrapper of a cigar