The purpose of the HRSA-ILA Annuity and
Savings Plan is to give eligible employees the opportunity to save for their retirement
security on a pre-tax and after-tax basis. It will also provide certain employer-provided benefits.
The benefits will be payable in the event of death, or retirement (or attaining normal
retirement age), or undisputed permanent termination of employment with participating employers.
The Plan is for the exclusive benefit of eligible employees and their beneficiaries.