Trying to determine values with multiple ranges and variable payout levels

I am trying to build a tool that will help us evaluate various scenarios. Customers can accrue points and we want to change the amount of $ we award them for their various point ranges (think airline programs).

We ere evaluating three types of programs (A, B and C). The names of the programs could be changed to numbers if it would be easier. We have a number of point ranges as shown in columns H:I

We would like to be able to change the annual points earned in cell C2 and see the amount the customer would earn in cells D4:F4 is the program was not retroactive (in other words, the $ they earn stay static and doesn’t change once they hit higher levels ) and in cells D5:F5 if retroactive where all points they earn would pay out at the highest level earned.

If anybody could give me some help it would be greatly appreciated. I’ve used a few IF statements but this one is above me. Thanks!