easy: when you calculate d1 or d2 using formulaes provided, you take the number (say, d1=1,6789) with 2 decimals: d1=1,68. then you find the line and the column according to your value: line with value 1,6 and column with number 0,08. you take the number in the according cell: 0,4535. Since d1>0, you have to add 0,5 to the value to get N(d1): N(d1)=0,4535+0,5=0,9535. Same with d2. If d1<0, say d1=-1,6789, you subtract the number from the table from 0,5: N(d1)=0,5-0,4535=-0,0465.
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