Google sheets nested if formula, different for two digits and three digits?

I have a formula in google sheets that is

=IF(H7<-3,0.95*F7,IF(H7<3,F7,F7*1.01))

This should only be if F7 is three digits and more. I'd like to add a condition further that if F7 is two digits or less (under 100) then it should be

=IF(H7<-3,0.9*F7,IF(H7<3,F7,F7*.95))

How to combine both of this?