I need help figuring out the formula for this problem. I just need to figure out the extend credit one

Customer Debt to Income Annual Income Credit Score Extend Credit? Criteria Ratio (DTI) Alice A. Hall 0.49 $50,325.00 4.1 DTI 0.3 Bruce A. Farrell 0.18 $58, 113.00 1.4 Annual Income S 37,000 Kathleen U. Lucas 0.22 $63,241.00 1.7 Credit Score Amy O. Norman 0.48 $14,347.00 1.1 Ronnie T. Atkins 0.33 $11,698.00 3.6 Martha O. Monroe 0.03 $28, 112.00 3 Create a formula that will return "Extend Credit" or "No Credit" in column Lynn O. Robertson 0.51 $108,420.00 3.3 F. In order to be receive credit, the customers must have DTI that is lower Jose Y. Sykes 0.32 $88,224.00 1.1 than .30 (30%) and annual income of at least $37,000 or have a credit Robert E. Reid 0.05 $39, 103.00 1.4 score higher than 4.0 Pauline H. Chandler 0.31 $34,964.00 3.1 Stephen I. Finch 0.43 $40,079.00 2.5 Peggy O. Hobbs 0.11 $99, 100.00 4.8 Donna D. Adkins 0.29 $97,847.00 1.4 Doris I. Kinney 0.29 $40,437.00 2.3 Ben H. Whitaker 0.39 $129,588.00 2.6 Kristin L. Alexander 0.31 $69,515.00 4.8 Ryan O. Conner 0.47 $42,391.00 3.6 Tracey A. Waters 0.05 $52,559.00 4.9 Mark E. Becker 0.01 $33,307.00 2.5 Louis O. Rollins 0.38 $18,664.00