Our Leaders have a Record for Results   Tim Fitzpatrick President   Jeffrey A.K. Dick Chief Technology Officer   Karen Noseworthy MGA Operations Consultant   Colin Baldwin Fund Product Consultant   Barry Alexander Fund Product Consultant VirtGroup's leaders have nearly 100 years of combined insurance, investment and operations experience in varying roles in which they have "done it all". VirtGroup has extensive insurance and investment industry experience. Unlike most insurance and investment firms, VirtGroup has extensive experience with Internet technology. The fusion of these experiences sets results in a rare occurrence for either sector. As President, Tim Fitzpatrick brings with him a vast abundance of experience and expertise, academic and business acumen. Jeff Dick is the Chief Technology Officer providing a wealth of experience, academic and technological expertise, as well as tremendous scientific insight with respect to the Internet. Colin Baldwin has a unique expertise and body of knowledge related to Seg Funds and MGAs. Colin was the former head of operations in the wealth management division of a major national MGA. Since then Colin has set up many MGAs on the FundSERV platform. Karen Noseworthy has unique expertise in MGA life insurance business operations, broker compensation, and data conversions. Karen is the former VP Operations for a major national MGA. Karen has since worked with many MGAs to move to the VirtGate platform. VirtGroup's dimensions are boundless as we are geared to have any overflow work performed by service entities on a contract basis. This versatility allows VirtGroup to expand and contract as customer work flow demands. It also ensures that the best resources may be directed to the appropriate project.