The Express Relational Access Manager (RAM) is used to access Oracle and other ODBC data sources directly. This effectively turns the Express Server into a ROLAP analysis (Relational OLAP) engine. Configuration is done via the RAA (Relational Access Administrator) GUI utility.
If you have 10 or more years of service and are retiring at the Minimum Retirement Age, your annuity will be reduced for each month that you are under age 62. The reduction is 5% per year (5/12 of a percent per month).
If you make a withdrawal from an annuity before you reach the age of 59 1/2, the news is worse: You'll also be liable for a further 10 percent penalty on the taxable amount. Depending on your personal tax rate, withdrawing from your annuity can trigger a substantial dollar amount in penalties.