3) Do-it-myself (Self-Directed Brokerage)

BART also offers you the option of investing through a self-directed brokerage account (SDBA). This feature is best suited for those who wish to manage their investments without assistance. Investment selections through the SDBA include exchange-traded funds, individual securities, and other funds.*

[b3-regular]*Charles Schwab & Co. Inc. and MissionSquare are not affiliated and are not responsible for the products and services provided by the other. Schwab Personal Choice Retirement Account TM (PCRA) is offered through Charles Schwab & Co, Inc. (Member SIPC), the registered broker/dealer, which also provides other brokerage and custody services to its customers. The minimum requirements may differ for some plans. Please check with your employer or MissionSquare. A complete list of fees charged by Charles Schwab can be found through the following link: https://www.schwab.com/resource/pcra-pricing-summary. In the event that Charles Schwab changes its fees, the new fee schedule would be used. All Charles Schwab fees and charges are deducted directly from a participant's brokerage account.[/b3-regular]

[b3-regular]Charles Schwab & Co., Inc., member SIPC, receives remuneration from fund companies for record keeping, shareholder services and other administrative services for shares purchased through its Mutual Fund OneSource service. Schwab also may receive remuneration from transaction fee fund companies for certain administrative services.[/b3-regular]

[b3-regular]Investors should carefully consider the investment objectives, risks, charges, and expenses of any mutual fund or ETF before investing. Other fees and expenses do apply to a continued investment in the funds. Fund families may impose redemption fees in addition to the fees described above.[/b3-regular]