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).
However, once withdrawn, all earnings are taxed as ordinary income. Annuity Withdrawal Taxation. If investors withdraw from an annuity prior to age 59 Â½ a 10% tax penalty on the earnings is imposed. There are exceptions to this penalty, similar to those for IRAs, for withdrawals due to death, disability, etc.