From the top to the bottom:
"In human anatomy or in mammals in general, the mons pubis (Latin for "pubic mound"), also known as the mons veneris (Latin, mound of Venus) or simply the mons, is the fatty tissue lying above the pubic bone of adult women, anterior to the symphysis pubis. The mons pubis forms the anterior portion of the vulva." (http://en.wikipedia.org/wiki/Mons_pubis 18+)
The mons pubis divides into what is called the labia majora which surrounds the labia minora, clitoris, vaginal opening, and other structures of the vulval vestibule.
All of this is part of the external female genitalia (see diagram: http://en.wikipedia.org/wiki/File:Vulva_anatomy.jpg 18+).
As a female, your pubic area is generally a description of the area that would typically be covered by pubic hair (this applies even to those who do so choose to remove said hair). This includes your mons, outer labia, etc.. even if the inner labia and other more enclosed regions are not visible.
This is your anatomy as a female. Many are aware of this, but some people need to pay better attention in health class next time.