return cell references based on criteria

Excel's T-test function requires that the cell ranges entered for the first 2 arguments be contiguous. I have gotten around that by using the MakeArray formula, so that non-contiguous cells can be combined into one array (http://support.microsoft.com/kb/213403).

However, now I need to figure out how to only pass cells to the MakeArray function when a certain criteria is met.

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For example, if I want to pass only cells from column D to the MakeArray function when there is a 1 in either column A or C, how would I do this? That is, the result of MakeArray should be (30, 20, 50, 10).

I tried the following but no luck.
{=MakeArray(IF(A1:A5+C1:C5=1,D1:D5))}