4 times, Red hdc last 5 sts, ch-1, turn.
ROW 3: Hdc next 4 sts, (Black hdc next 3 sts, Red hdc next 4 sts) 4 times, Black hdc next 3 sts, Red hdc last 4 sts, ch-1, turn.
ROW 4: Hdc next 3 sts, (Black hdc next 5 sts, Red hdc next 2 sts) 4 times, Black hdc next 5 sts, Red hdc last 3 sts, ch-1, turn.
ROW 5: Hdc next 3 sts, (Black hdc next 2 sts, Red hdc next st, Black hdc next 2 sts) 4 times, Black hdc next 2 sts, Red hdc next st, Black hdc next 2 sts, fasten off Black, Red hdc last 3 sts, ch-1, turn.
ROW 6-7: Hdc ea st across, ch-1, turn.
ROW 8-19: Rep row 2-7 twice.
ROW 20-22: Hdc ea st across, ch-1, turn. End row 22 fasten off.
Sew front and back to zipper at top long edges. Even if you do find a 5” zipper it will still be too long for the wallet so you will need to tuck inside the remaining zipper as you sew on the sides.