Lookup based off two criteria

[h_aesa1]

I am trying to do the following and not sure which formula to use or if i have the table set up right

Sheet 1

Column A
A1: Product
A2: D10
A3: D20
A4: D30

Column B
B1: 12 (12 month term)
B2: .2703
B3: .2703
B4: .2703

Column C
C1: 27 (27 month term)
C2: .1560
C3: .1560
C4: .1560

Column D
D1: 39 (39 month term)
D2: .1272
D3: .1272
D4: .1038

Column E
E1: 51 (51 month term)
E2: .0846
E3: .0846
E4: .0831

In Sheet 2

If A1 has product (i.e D20)
If A2 has term (39)

then put the result in A3.... so find product D20 and the corresponding 39 month rate factor which would be .1272


Thanks and appreciate any help,

JJ