Right, ignore the bank of 5 rows of small blade fuses at the top of the panel (they're on the other side of the fuse card), what the fuse card shows you is the mirror image of the fuse panel. I find it easier to hold the fuse card up to the panel so the left edge of the card touches the back of the fuse panel - then simply count columns from the back and rows down.
I'm guessing it would match the fuse panel perfectly for a left hand drive car back in Europe, and no-one wanted to spend up reversing the image.
Hope this helps
EDIT - oh, and the card is standard for all cars, so if your car doesn't have the associated equipment (eg if you don't have electric windows), there's not going to be a fuse present in the panel! That's why it's the 4th up in your panel, but the 5th on the diagram, whatever the bottom fuse relates to, you haven't got!!