Best guess is the holder probably completely 'hides' a minor crease or wrinkle, because the grade makes absolutely no sense visually (the back seems perfect, too), and it got the .5 bump for being an exquisite example within the confines of the crease/wrinkle grade. But, even that doesn't make much sense, because then you have to wonder why it wasn't put into the 4.5 category due to its beauty??? Yowza!!
Awesome looking card!!!
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