\[b_{1} = - \frac{1}{25};\ \ q = 5:\]
\[b_{3} = b_{1} \cdot q^{2} = - \frac{1}{25} \cdot 25 = - 1.\]
\[S_{4} = \frac{b_{1}\left( q^{4} - 1 \right)}{q - 1} = \frac{- \frac{1}{25}(625 - 1)}{- 1 - 1} =\]
\[= \frac{- \frac{1}{25} \cdot 624}{- 2} = \frac{1}{25} \cdot 312 = \frac{312}{25} = 12,48.\]
\[Ответ:12,48.\]