BART Retirement Plans offers a variety of distribution options to suit your needs. Distribution options can be changed at any time. You can log in to your account and select Withdrawals to request a full, partial, or set up installments from your account.

Distribution options Include:

• Full lump-sum distribution
• Partial lump-sum distribution
• Installment payments (monthly, quarterly, semi-annually or annually)
• Partial lump-sum distributions combined with installment payments
• Full or partial Rollover over into another eligible retirement plan, Traditional or Roth IRA that accepts such rollovers.*

For additional information on taking distributions and any penalties that may apply, please contact a BART Participant Services Representative toll-free at 1-833-538-BART (2278).

* An IRS penalty for withdrawals from these plans prior to age 59½ may apply. The IRS penalty for early withdrawals does not apply to monies withdrawn from a 457(b) Plan.