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Default Calculating dates

Hi everyone I am new here and hoping somebody can help me. I am trying
to create a formula which will allow me to compare dates and determine
when I can store paperwork offsite. For example:

If a client has been with us for 3 years from start date (they will all
have different start dates) then it is okay for me to store their
paperwork offsite. However if a client hires us and terminates us
before the 3 year period is up then we only have to wait one year after
the date they terminated us to get rid of the paperwork. I have three
columns of data now - One is the client name, second is the start date,
and third is the terminated date if applicable. I would like the
fourth column to show the date each client's paperwork may be stored.
Is this possible?

Thank you in advance for any help anyone can provide!

Toby

 
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