IF AND EXACT formula with two conditions

[Teresa Smagacz]

Can someone help create above formula? I need to input a formula in Column J. It needs to look at both Columns I and O. If Column O has the words "Opt-Out" within it, then this is the secondary criteria to consider. Shift rates are shown on second worksheet tab (picture far below).

Shift Diff tab:

[#2 · Accepted solution]

@Teresa Smagacz 

In J2:

=INDEX('Shift Diffs'!$C$2:$C$7, I2+3*ISNUMBER(FIND("Opt-Out", O2)))

Fill down.

[#3]

Genius. TY!