Help fix my Vlook please

What is the best way for me to create a vlookup or other function that will allow me to create an easy frontend that will emulate this table.

-------------------------------Term
% owed-------[--------30 25 20 15
97.01 to 100 % [------A C E G
90.01 to 97% [--------B D F H
85.01 to 90% [--------C E G I
85% or less [----------E G H J


This is just the initial part of another Vlookup I am working on. I want the user to be able to enter the Term of the contract in 1 cell and the % oed in another and have the formula return the coresponding group letter. For Example if someone owes 86% and has a 20 year term term the formula should return "G".

I tried making the below formula work. D32=term and D33=% owed

=IF(D32=30,VLOOKUP(D33,Sheet3!A1:B1501,2,IF(D32=25,VLOOKUP(D33,Sheet3!A1:E1501,2,IF(D32=20,VLOOKUP(D33,Sheet3!A1:E1501,4,IF(D32=15,VLOOKUP(D33,Sheet3!A1:E1501,5))))))))

the table referenced is on another sheet and looks like this
100.00 A C E G
99.99 A C E G
99.98 A C E G
99.97 A C E G
99.96 A C E G
99.95 A C E G

the problem I am running into is when I change the term in cell D32 to anything other than 30 the formula returns false. Can anybody point out my error or offer a better way to do this? Thanks in advance guys.