SUMPRODUCT array formula doesn't recognize Array 5

You can't use <> (or =) with a wildcard - try using SEARCH, FIND or LEFT.

Perhaps something like this.

=SUMPRODUCT('M:\[Ryder.xlsx]Bills16'!$K$4:$K$500,--('M:\[Ryder.xlsx]Bills16'!$G$4:$G$500<>0.09),--('M:\[Ryder.xlsx]Bills16'!$N$4:$N$500<>"license"),--('M:\[Ryder.xlsx]Bills16'!$B$4:$B$500=A97),--(LEFT('M:\[Ryder.xlsx]Bills16'!$N$4:$N$500,3) <>"lea"))