I need help with creating a formula that will find a name in colums A & B, if
true or false a % is returned when comparing a value in another column.

The following formula only works when the name is found in both columns A&B.
I need to check if the name is found in either column A or B:

IF((A9=$A$64)*(B9=$A$64),(IF(N9<25001,$A$3,IF(N9<3 5001,$A$4,IF(N9<45001,$A$5,IF(N9<55001,$A$6))))),( IF(N9<35001,$A$4,IF(N9<45001,$A$5,IF(N9<55001,$A$6 )))))

Your help is very much appreciated. I'm using Microsoft Excel 2003