Year Ended December 31, ($ in millions) 2012 2011 2010 Total primary NIW by FICO Score >=740. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $ 28,151 75.9% $ 12,142 78.3% $ 9,294 80.4% 680-739 . . . . . . . . . . . . . . . . . . . . . . . . . . . . 7,994 21.6 3,192 20.6 2,261 19.6 620-679 . . . . . . . . . . . . . . . . . . . . . . . . . . . . 916 2.5 175 1.1 3 — <=619. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . — — 1 — — — Total Primary . . . . . . . . . . . . . . . . . . . . . . . . . . . $ 37,061 100.0% $ 15,510 100.0% $ 11,558 100.0% Year Ended December 31, ($ in millions) 2012 2011 2010 Percentage of primary NIW Refinances. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 40% 39% 42% LTV (1) 95.01% and above. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1.4% 1.9% 0.4% 90.01% to 95.00%. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 41.2% 36.3% 29.5% 85.01% to 90.00%. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 41.0% 45.4% 51.7% 80.01% to 85.00%. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 16.4% 16.4% 18.4% Adjustable rate mortgages (“ARMs”) Less than five years . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . <1% <1% <1% Five years and longer . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1.9% 4.8% 5.3% Primary risk written . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $ 8,959 $ 3,694 $ 2,663 December 31, ($ in millions) 2012 2011 2010 Primary insurance in force Flow . . . . . . . . . . . . . . . . . . . . . . . $ 129,079 92.0% $ 113,438 89.9% $ 115,532 89.2% Structured . . . . . . . . . . . . . . . . . . . 11,284 8.0 12,747 10.1 14,034 10.8 Total Primary . . . . . . . . . . . . . . . . . . . . $ 140,363 100.0% $ 126,185 100.0% $ 129,566 100.0% Prime . . . . . . . . . . . . . . . . . . . . . . . $ 123,437 87.9% $ 106,407 84.3% $ 106,466 82.2% Alt-A . . . . . . . . . . . . . . . . . . . . . . . 10,447 7.5 12,344 9.8 14,542 11.2 A minus and below . . . . . . . . . . . . 6,479 4.6 7,434 5.9 8,558 6.6 Total Primary . . . . . . . . . . . . . . . . . . . . $ 140,363 100.0% $ 126,185 100.0% $ 129,566 100.0% Persistency  (12 months ended)  . . . . . . 81.8% 85.4% 81.8% 99 (1)  LTV ratio: The ratio of the original loan amount to the original value of the property .