JoAnn -- you made the right decision. I have the Polar F4, and it does not do split times. It's a very simple and inexpensive HRM. I used to have a much more expensive, fancier HRM (Polar S210), but it got lost in the mail when I sent it back to Polar for a battery exchange. So, I use the F4 for a HRM and occasionally use my DH's stopwatch to do split timing if I am running laps or something.

Emily