Once everything is cut out and removed from the mat you need to fold each side of the card in half. Penny created a small dashed score line that the cricut cuts into the card. At least for the two I made it didn't cut completely through the card but did help me determine where to fold the card.
You then need to fold each the front of the card back on itself in half, do this for the back as well. (This is the confusing part). It should look like the picture on the right when you are done folding. Again there is a small dotted line that the cricut cuts to show you where to fold.
Once you figure out how this card goes together it is a relatively simple card to make it just has several steps. I hope this helps explain the steps to make the card.