Can additional top up under RSTU above FRS be withdrawn anytime?

If my mum reach BRS at age 55 and has a property, and use that for CPF life, does it mean if I top up $7k under RSTU scheme to her CPF when she's age 56, that $7k can be withdrawn anytime? Or will it be added to the CPF life?

Understand that any excess, above the FRS, can be withdrawn at age 55. So if my dad reach FRS at age 55, does it mean if I top up $7k under RSTU scheme to his CPF when he's age 56, that $7k can be withdrawn anytime? Or will it be added to the CPF life?

Appreciate some guidance here. Thank you.