HeadShot there was some mistakes i corrected them
$\phi(Z)$ means the the Cumulative distribution function.
value of $\phi$ must be given, actually i'm surprised that how in 2010 it is not given.
So what is the intuition behind this question?
check the shaded area we calculate the area between 1 and 4.
but in exam only $\phi(0.4)$ will be given and what does that mean?
It means area to the left of 4.
Next what does $\phi(-0.2)$ gives us? It gives us the area left of 1 but we don't need that, we need area right of 1 and left of 4. (Area in first image).
So we know $\phi(-0.2) = 0.4207$ and $\phi(0.4) = 0.6554$
So we can subtract the area left of 1 from area left of 4.
0.6554 - 0.4207 gives us 0.2347