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Default Rectify function - combination of Sumproduct and OR

Hi,

1) how can I combine Sumproduct and the OR function?
eg

av Bank1 1
av Bank2 2
av Bank3 3
av LADD 4
av LCH 3
av MSL 2


=SUMPRODUCT(($B$19:$B$24="av")*OR(($C$19:$C$24<"B ank1"),($C$19:$C$24<"Bank
2"),($C$19:$C$24<"Bank3"))*($D$19:$D$24))
returns 15


but I want it to pick up only LADD, LCH & MSL
i.e return 9!



2) can one use wildcard characters?
eg if there is a Bank4 and Bank5 in the list


 
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