Multiple IF THEN statements in one cell

[faist001]

Hello Everyone! I am new to the forum hoping you can help me with an issue that has been pestering me all day today.

I have 3 columns and 1,000's of rows each cell contains a value of 0 to 500

Column B = value b
Column C = value c
Column D = % change between x and y

I need to make a few rules for Column D as to not end of with a #DIV/0! error but I'm not sure how to write the formula. I need to tell Excel to tweak value b or value c if either equals 0 in order to not run into the dreaded #DIV/0!. So far I have a great IF statement that covers column b but I cant figure out the IF statement for column c

Rule 1 is an IF statement in regards to the value of b and looks like this =IF(B3>0,(C3-B3)/B3,(C3-(C3-0.1)/(C3*99))). This works perfectly and I avoid the #DIV/O! error
Rule 2 needs to be the same statement, Anyway suggestions?