Need a condition to override other conditions in a formula

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Hello,

I need to show a percentage rate in one column based on a time of year in a different column, however, if there is a certain word in a third column, I need it to override the other conditions.

Right now, the formula is: =IF([Program Term]@row = "Summer", 0.325, IF([Program Term]@row = "Academic Year", 0.499))

I need to add IF([Rank]@row = "Retiree", 0.33 and make it override the others.

Thanks!

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