I need to create a formula that pulls data from multiple cells. The formula
is needed to return a set amount of money after certain criteria are met.

I.E. (If associates rating is 1 [cell reference 1] and years of service is
greater than ten [cell reference 2] and they have been in job more than 3
years [cell reference 3] then return "$.20".

There will also be needed a reference to a 2 rating and a different dollar
amount. Also multiple year intervals

10-15 years 1 rating = .20 2 rating = .15
15-20 years 1 rating = .25 2 rating = .20
20+ years 1 rating = .30 2 rating = .25

I am a novice, so this is a bit over my head. Any help would be
appreciated.

Thanks.