=if(and(a10,a20,a30),f1+f2,if(and(a1<0,a20),f1 +f3))

Somthing like that, havent tested it. Just saw your post while looking for
my own answer.

"txm49" wrote:

Need a formula whereby three conditions are met to return a result.
For example, If A10 and A20 and A30, then F1+F2. If A1<0 and A20 and
A30, then F1+F3, etc.