Sumifs with multiple criterias

Hi all!

Once again I find my excel skills not sufficient and I seek my luck here
I have attatched a sample spreadsheet.

Basically I am trying to write a formula with three criterias. These are (ref spreadsheet):
1. Month (found in column A in "Returns!")
2. Year (found in column B in "Returns!")
3. Name (Found in row 3 in "Returns!")

I would really appreciate any help

Gnoke
(please ask if my explenation was no good)

Use this ARRAY formula

=INDEX(Returns!$A$1:$W$500,MATCH(1,($A4=Returns!$A$1:$A$500)*(B$1=Returns!$B$1:$B$500),0),MATCH(B$2,Returns!$1:$1,0))