without having a sample file to test this on, try the following and let me know how it works for you...
=IF(or(br4="No",AND(BE3="",BG3=""))"You do not qualify for this expense",
IF(AND(BI3="us",BR3="yes"),"Up to $25 per month",IF(and(BI3="canada",BR3="yes"),"Up to $30 per month","")))
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