Any knitters out there know how to read charts?

I can read patterns, but can't fathom charts.

I want to knit this bag:

http://www.allcrafts.net/f.php?url=www.berroco.com/exclusives/albem/albem.html

but the last part of it (the flap) is worked from a chart instead of a pattern. Is there anyone out there who can translate it into "English" for me?

tIA