Rose: you are exactly right.  You did get bonus point (2 for finding all your frogs and 1 for the remaining frog of your opponent didn't find).  But you could only win if your opponent only finds two frogs.  That's just plain unfair and the rule needs to be changed.  It's a very bad rule.   The idea of the game is to have fun and a challenge, but in the situation like in your game, you lose on your first move. 

Something can be done to change this imbalance and should.