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Patent Granted An apparatus is disclosed for permitting a mobile terminal having multiple, heterogeneous network connections (e.g., multiple wired or wireless transceivers of various types) to set up and maintain virtual connections over multiple networks to either the same or to multiple destinations. The mobile terminal can "load-share" traffic, i.e., it can distribute segments of traffic over a full set of heterogeneous networks, significantly improving the reliability and availability of communications. In a first embodiment, a mobile terminal is configured with multiple radio frequency (RF) transceivers.