If the factor variable is Climate, with 4 possible values: Tropical, Arid, Temperate, Snow, and a node in my rpart tree is labeled as "Climate:ab", what is the split?
I assume you use standard way to plot tree which is
plot(f)
text(f)
As you can read in help to text.rpart, argument pretty on default factor variables are presented as letters, so a means levels(Climate)[1] and it means that on left node are observation with Climate==levels(Climate)[1] and on right the others.
You could print levels directly using
plot(f)
text(f, pretty=1)

but I recommend using draw.tree from maptree package:
require(maptree)
draw.tree(f)

I used fake data to do plots:
X <- data.frame(
y=rep(1:4,25),
Climate=rep(c("Tropical", "Arid", "Temperate", "Snow"),25)
)
f <- rpart(y~Climate, X)
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