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 follow the annuity rules, your annuity will accumulate earnings on a tax-deferred basis until you are ready to make withdrawals. Just before the age of 60, you can begin the annuity payout phase. It is possible to withdraw your savings in a lump-sum payment, and this will not incur penalties from the annuity at this point.