Row 1: Sc in 2nd ch from hook, *sk next 2 ch, 5 dc in next ch, sk next 2 ch, sc in next ch; rep from * to end of row - Seven 5-dc groups.
Row 2: Ch 3 (counts as first dc), turn, 2 dc in first sc, *sk next 2 dc, sc in next dc (center dc of 5-dc group), sk next 2 dc, 5 dc in next sc; rep from * to last 5-dc group, sk next 2 dc, sc in next dc, sk next 2 dc, 3 dc in last sc - Six 5-dc groups, with one 3-dc group at beg of row, and one 3-dc group at end of row.
Row 3: Ch 1, turn, sc in first dc, *sk next 2 dc, 5 dc in next sc, sk next 2 dc, sc in next dc; rep from * to end of row, working last sc in top of turning ch.
Rep Rows 2 and 3 until piece measures about 14 in. (35.5cm) from beg.
Weave in ends.
Press 1/2 in. (1.5 cm) along all 4 sides of fabric piece to WS. With WS together, center fabric onto crochet piece. Baste or pin in place. With sewing needle and thread, whipstitch fabric piece to crochet piece.
With lined side of piece facing, fold up lower edge for 4 in. (10 cm), to make body of Clutch. Seam sides of body.
With sewing needle and thread, sew one half of snap, centered, on lining side of upper edge of Clutch.
Fold upper edge over to make flap. Lift edge of flap carefully and insert a pin into the front of the Clutch body to mark placement of the remaining half of snap.
With sewing needle and thread, sew snap in place, making sure to sew only through the front of the body.
Tie ribbon into a bow. With sewing needle and thread, sew bow and charms to center front of flap.