ARM9:"LOAD" a hex file cause a illegal address error.

Dear Keil Engineers: I use a debug.ini file to load my program. The debug.ini is as below:
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     LOAD .\objs\program.hex
     LOAD .\objs\program.axf NOCODE INCREMENTAL

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but which cause a error, some information show up that "error 57: illegal address (0x00000010)" I haven't selected the "Load Application at Startup" option in "Options for Target" page - "Debug". The hex file is as below:
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:020000040000FA
:1000000018F09FE518F09FE518F09FE518F09FE5C0
:1000100018F09FE50000A0E114F09FE514F09FE5C3
......

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I don't konw what's going on, why it cause error at address 0x00000010, the hex file is generated by the keil's tools.

If I don't use the debug.ini file to load program and select the "Load Application at Startup" option at "Options for Target" page - "Debug". That's OK!

Also it's OK to use my own flash programming algotithm to program the flash base at address 0x000000000, then start debuging.

I want to know what the "LOAD" command will do ? It will use the programming algorithm to program the flash?

Prompt reply will be greatly help for me!

Thanks,ppym