Need to introduce additional condition

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SQL-Server-2008R2

Dear Expert,

I have to introduce another condition to the select statement below


which is a stored procedure in SQL SERVER 2008

Please assist


The issue is that the field REPAY_MODE =['SIMPLE'] OR REPAY_MODE = ['REDUCING']

How do I state that if REPAY_MODE <>['SIMPLE'] OR REPAY_MODE <> ['REDUCING'] to be part of the Select Statement below.



IF NOT EXISTS(SELECT * FROM LOANS WHERE ISNULL(ADVLOAN, 0) = 0 OR ISNULL(REPAYPD, 0) = 0 OR ISNULL(NUMDAYS,0)= 0)
BEGIN


Please assist


Thanks