Professional Documents
Culture Documents
01 Executive Summary 2
02 Introduction 3-4
03 Background 5
09 Objectives 23-25
10 Promotions 26-28
11 Internal Capabilities 29
16 Implementation 41-43
EXECUTIVE SUMMARY
Telecom International which stands as a prominent name
in Telecom industry. We are proud to work as a group to
do our project in Warid. In this report we discussed all
relevant topics for covering a formal report. This report
include brief introduction of Warid and its strategies to
gain the market share and all its depth analysis which we
think should be consider necessary to analysis of such a
big company. By our evaluation we have found that
WARID Telecom is lacking some activities which are
mostly its communication to its customers. At the end of
this report we provide implementation of strategies for
Warid.
THANK YOU
INTRODUCTION
Warid Telecom is one of the biggest cellular service providers in Pakistan. Warid is an
international company that is joint venture of Abu Dhabi Group and Sing Tel Group. In
this joint venture SingTel acquired 30% percent equity stake and remaining acquired by
Abu Dhabi Group. This partnership is part of a strategy to support Warid Telecom’s
continued growth and to enhance its market position.
➢ An evolution that strengthens the Warid identity while keeping the customers in
focus
➢ Use of a more contemporary font & style to give a more approachable image
➢ This new logo encompasses the expanding reach of Warid not just in Pakistan but
in an international footprint
INVOLVING BUSINESSES:
International Investments
• Iranian Sanden Industries
• J.C. Mc Leans & Co.
• Neo Pharma
• National Tele Systems and Services
• Al-Jazira Management Mall
• Abu Dhabi Vegetable Oil Company
Investment in Pakistan
• Bank Alfalah Ltd.
• Alfalah GHP Investment Management
• Alfalah Securities
• United Bank Limited
• Warid Telecom
• Wateen Telecom
• Emaar Al Bilaad Properties
Warid Team
Board of Directors
1. Mr. Bashir A. Tahir
2. Mr.Parvez a. Shahid
3. Mr. Lim Chaon Poh
4. Mr. Quah Kung Yang
Management Team
Background of WARID
The Dhabi Group is a multinational company based in the UAE, which owns and
operates a wide range of business concerns that are spread across 3 different continents.
It has a diversified business interest in the institutions that have enjoyed commercial
success as a result of its strong financial resources and extensive management expertise.
The Abu Dhabi Group's major investments are in the following sectors:
• Telecommunications
• Hospitality services
• Property development
• Oil exploration and supplies
• Banking and financial services
• Automobile industries.
Warid Telecom takes pride in being backed by the Abu Dhabi Group, one of the largest
groups in the Middle East and in Pakistan. Warid Telecom is currently operational in
Bangladesh and Pakistan, while it is also setting pace o initiate its operation in Uganda
& Congo. Within the markets Warid is already operating, it has quickly developed a
large customer base and established itself as one of the leaders of telecom service sector.
In Bangladesh, Warid Telecom commenced its operations under a landmark MOU
agreed upon by the Dhabi Group and the Government of Bangladesh worth USD 1
billion, out of which USD 750 million was exclusively committed for investment in the
telecommunication sector of the country. Succeeding the MOU signing, the BTRC
license for telecom service provision was issued to Warid Telecom, followed by the
signing of interconnectivity agreement with all the existing telecom companies of
Bangladesh.
In May 10th, 2007, Warid Telecom launched its commercial operations in Bangladesh
with a network encompassing 26 districts. By November 2007, the network had been
expanded to cover 61 districts and being used by 2 million customers.
WARID’s VISION
“Be a part of largest post paid cellular base in Pakistan and to become the leader in
national communications arena with a strong international presence”
Warid Telecom started its operation in May 2005 from Pakistan. Warid Telecom
International LLC, purchased a license for operating a nationwide mobile telephony
network, (WLL) and long distance international (LDI) for $291 million US dollars.
Within 80 days of launch Warid attracted more than 1 million users. Currently the
network has around 7.6 million subscribers. In Warid business strategy four things are:
Warid telecom is introducing two types of product in all over the Pakistan-
1. Zem Prepaid
Zem Prepaid
Demographic Descriptions
Factors
Life Cycle That life cycle stage is given more importance which includes
more young people
Use Situation Used as 24-hour telecom service provider for all non business
and business users.
Zahi
Zahi is a post-paid connection provided by the Warid telecom. In this connection, the customer
has to pay line rent plus the charges of call every month. In this connection customer is billed
every month. In this connection Warid, telecom has four further categories
• Silver
• Gold
• Diamond
• Platinum
Targeted Market for Zahi Post Paid
Demographic Descriptions
Factors
Life Cycle That life cycle stage is given more importance which includes
more business people
Use Situation Used as 24-hour telecom service provider for all business
users.
Services
Basic Services
• Caller Line Identification (CLI)
This service enables you to identify callers and answer calls with discretion.
• Conference Calls
With conference call, you can tele conference with 6 people simultaneously. You can create
conference calls with on net and off net numbers.
• Call Divert
Whether you are unable to take a call, driving outside the national coverage area, traveling
abroad or busy, you can divert call to another number.
• Voice Mail
Voice mail allows you to receive your voice messages even when your mobile us switched off, you are
outside the coverage area or are busy. You can retrieve your messages free from your Warid phone at
your own convenience.
• Warid Zone
Thanks to state of the art SIM technology, your Warid SIM comes with a special Warid Menu.
This menu offers a bundle of services. Using this menu you can send email from your handset,
download ring tones. Set GPRS/WAP settings, get latest weather forecasts etc.
• 64K SIM
Warid presents the most powerful 64K SIM. Apart from the special WARID menu, the 64K SIM
gives its users added flexibility to store up to 500 numbers and 50 text messages .No other SIM
in the market offers this amount of storage space.
• Roam About
At Warid telecom, we believe your mobile phones should be no different to use when you are out
of country. Our larger global network means you get the same great service wherever you travel.
Warid Telecom’s vision is "to become the leader in national communications arena with a strong
international presence”. Warid Telecom's brand values include:
1. Quality
2. Transparent
3. Innovative
4. Customer Friendly
5. Simple
Quality:
Transparent:
• Leading the national communication evolution
Innovative
Bright ideas the only thing that restricts us in our imagination continuously improving through
challenging the norm and looking at things differently. Leading the way in adding value to your
life.
Customer Friendly:
Simple:
• Ease of use.
• Making communication simple.
• Clear and straight forward.
PEST ANALYSIS
Pest analysis has four main components from which we analyze the company or product
under these circumstances. This analysis includes these factors
• Political Factor
• Economical Factor
• Sociocultural Factor
• Technological Factor
Political Factors
1. Regulatory Initiatives
The actions like Level Playing Field Regulation, out of court settlement case and
all related activities in this that affect the organization’s performance which is
very important for any organization to remain in on-going competition.
2. Governmental Decisions
Government decisions like Telecom Regulation, Issuance of Mobile Operator
license and decrease and increase in Tax rates also affect the Overall
performance.
Regulatory Initiatives 1 2 3 4 5
Governmental Decisions 1 2 3 4 5
Economical Factor
12 Marketing takes day to learn. Unfortunately it takes a lifetime to master
[MARKETING MANAGEMENT] WARID
Short term and long term state of trading should been considered in Pakistan. Inflation
rate was controlled by the State bank of Pakistan this authority have a strict eye on our
economical issues. But besides this we have high increasing rate of unemployment as
well as increasing level of poverty.
These days Pakistan has double figure interest rate. The price of Dollar increased and
reached up to the Rs. 85PKR. Keeping all these situations into the consideration the
Warid Telecom decreases its calls rates. Now Warid telecom giving the most attractive
packages for its customers. So political factors include following the following things.
Unemployment Rate 1 2 3 4 5
Sociocultural Factors
During the formation of marketing strategies warid look a lot of consumer behaviors
and social culture factors which influence the buying behavior of the Warid’s product. In
this context warid look various consumer behaviors and buying pattern of culture. So in
the view of successful marketing strategy Sociocultural factors influence very much. So it
involves the way how consumer think and feel and how they interpret warid in such an
Islamic country.
Workforce Diversity 1 2 3 4 5
Technological Factors
In Pakistan Companies have technology by which they can compete in the industry and
now there is usage of heavy investment for building and upgrading the infrastructure of
organization.
Technological Advancement 1 2 3 4 5
Implication of Technology 1 2 3 4 5
Competition Review
Ufone started its operations from Islamabad on 29th January 2001 as the youngest
entrant in the cellular market. Ufone, a subsidiary of PTCL, is the only Pakistani-owned
cellular service operator in Pakistan.
With a total current investment of over $350 Million, including a recent contract of $161
Million for expansion & capacity for 2004-05, we believe in solid commitment to
growth, security & reliability.
Currently, with a market share of over 24%, and an aggressive commercial plan, we have
more than tripled our customer base in the last quarter to over 1.5 million subscribers…
the fastest uptake of any cellular service operator in Pakistan!
Ufone is the only GSM operator with 2.5G GPRS service, which is the next generation
technology and offers
of being the first cellular service provider in Pakistan to operate on a 100% digital GSM
technology.
We offer tariff plans that are exclusively designed to cater to the communication needs
of a diverse group of people, taking into account occasional users to businessmen. To
achieve this objective, we offer both postpaid (Indigo) and the prepaid (JAZZ) solutions
to our customers.
Mobilink GSM started operations in the year 1994; from then on it has shown enormous
growth. At the time when it entered the market it was a small player in the cellular
market of Pakistan it is now the market leader both in terms of growth as well as in
terms of having the largest subscriber base in Pakistan
Biggest Call Center in Pakistan, which is there to assist the customers 24 hours.
Only cellular service in Pakistan to provide coverage on the M2 motorway.
Bilateral roaming agreements signed with 100 countries around the world to have true
roaming service operational in 151 operators of the world.
MOBILINK GSM's Short Message Service Center allows Vehicle Tracking and Fleet
Management services that are being provided by Tracker (Pvt.) Ltd., under the brand
name of C-Track, a company licensed by Pakistan Telecom Authority (PTA). Tracker
currently operates from Karachi but can provide these facilities at all those locations
where GSM coverage is available.
Competitor’s Strategies 1 2 3 4 5
• Distributor’s Channel
• Corporate Channel
• Direct Channel
• Franchise Selling
Distributor’s Channel
Distributors are also working for selling warid telecom product. Distributor sell warid
products to the retail stores warid telecom wants to cover 3000 to 4000 shops and retail
stores in Pakistan. Because time is money warid telecom want that their customers get
product at the door step. These distributors are working on behalf of warid telecom.
They provide warid products at different retail stores and shops. Warid telecom feels it
is important to provide products with utmost to convenience to the customers. Because
warid telecom is on introduction stage, they are using intensive distribution network. In
near future warid telecom products are widely available in all retail stores.
Corporate Channel
In corporate selling warid telecom conduct meetings and presentations I the business
places where there are more than 50 connections or persons warid telecom conduct
presentations at business places and create awareness of their products the corporate
selling staff sale connections at the spot. The corporate selling staff includes company
executives. In this particulars area warid telecom has to work hard. Because in this
sector the people who have already some other connections do not like to change their
connection. In order to remove this short come warid telecom is providing the same no.
which you have earlier instead of warid telecom code 0321 Warid telecom is making
progress I this sector and try to reach its goals.
Direct Selling
As Warid telecom is on introduction stage it uses direct selling also. In this channel
company has large no. of sales of officers who meet persons and tell them about warid
telecom products. This sale force is totally committed towards their work. They know
how to sell the products to the customers. In future warid telecom is planning to start
door to door selling of their products. In the introduction stage of its operations warid
telecom wants to provide all the things to its customers at their door step. The direct
selling staff is highly trained and motivated. They use their personal references,
retailers, friends for selling products.
Franchise Selling
Warid telecom is working in 28 cities of Pakistan and it has large no. of franchisees
according to the need and demand of specific areas.
The Network
Warid telecom is partners with some of the leading vendors in the telecom industry,
who help them in providing the best and latest network solutions for business. These
vendors include cellular giants Ericson, Nortel, Siemens, Cisco and Huawei.
We seek to be trendsetters in customer services, with our one stop concept for all
telecom requirements. This will be achieved with the provision of a one-window
operation for on the spot issue resolution and one stop service. We have the maximum
number of Sales and Customer service Centers countrywide, with the state of art contact
centers of informational standards, equipped with innovative technologies to ensure real
time online services. Our highly trained and well-groomed team of Customer Service
Executives is on hand 24 hours to provide personalized care to our esteemed corporate
clients. Furthermore an extensive network of franchises, kiosk and mobile units ensure
easy and convenient accessible.
Innovation
Best practices
Warid telecom decided to opt for GSM (Global system for mobile communication)
technology as it is the global standard for digital cellular telephone service. GSM
networks support enhanced data applications and more than one billion customers in
109 countries are using this technology. Warid telecom would be launching its cellular
services based on 900 & 1800 GSM technology. In order to optimize the utilization of
frequency, thus ensuring the highest quality and services.
Objectives
These are the some objectives of the company as any other company has it. Through the
complete study of these objectives we can measure how much company has the ability to
perform well and customer oriented.
Pricing Objectives
The first objective that any company has is the price objective. This is the most
important objective of a company. Price is an important element of the pricing mix. It
has a great influence on the customers’ perception. It determines the quality and value
of the product. In determine the prices of product corporate objectives are very much
important. So Warid telecom has certain objectives in their mind. These objectives are;
• Competitive objectives
• Sales objectives
• Customer oriented objectives
Competitive Objective
The main objective of Warid telecom is to compete in the market. Because they have
strong competitors in the market such as Mobilink, Telenor and Ufone etc. So Warid
telecom is setting low prices as compared to its competitors. Warid telecom sets its
prices relatively low as compared to Mobilink but its prices are high as compared to
Ufone. Warid telecom wants to become the price leader in market. The prices of Warid
telecom are low but they are offering better quality and services are better as compared
to other network services. Another new product of Warid Telecom have been launched
which completely based on the pricing the product name was GLOW. This is new offer
from the Warid telecom which have comparatively low price as compared to its
competitors. They offered a number free value added services in it e.g. Internet
packages, Low weekend charges, SMS Bundles and Night Packages etc.
Sales Objective
Every company wants to increase their sales. Warid telecom wants to get a huge share of
market by increasing its sales. The users of mobile were increasing day by day in
Pakistan. So, therefore there is a huge potential in this market for Warid telecom. Warid
Telecom has the great opportunity to become leader of the market in such conditions
when the Telecommunication industry was on groom. Their main thrust is on increasing
the sale of their product. Therefore, Warid telecom has set relatively low prices.
Warid telecom wants to satisfy their customers. They feel that their customers are more
important for them. Warid telecom wants to provide advanced technology and more
features to their customers. Warid telecom wants to serve their customers according to
their needs. In order to satisfy customer’s needs Warid telecom has a wide range of
customer service centers. The most attractive and new service that Warid Telecom has
recently launches was GLOW. GLOW is not only the call package but it is also a website
from which we can download a lot of entertaining items such as Songs, Wallpapers,
Videos, Themes, ringtones and lot of other items.
Promotion
The most controversial and dynamic factor in today’s market is promotion. Today
without promotion you cannot sell your product. Customers also must be reminded
about a product’s availability and its potential to satisfy. Sellers bombard the
marketplace with thousands of messages everyday in hopes of attracting new customers
and established market for new products. The promotional activities are different in
each stage of product life cycle. Given the intensive competition for consumer’s
attention, even an established firm must constantly remind people about its brands to
retain a place in the market & in the mind of consumer. Warid telecom has enough
budgets for promotional activities. In the introduction stage Warid telecom wants to get
share in the mind of consumer and in market. Warid telecom is performing all
promotional activities like:
• Advertising
• Sales promotion
• Personal selling
• Publicity
Advertising
Warid telecom is not focusing its product at all. They want to gain recognition in the
market first. In media advertising they have collaboration with GEO TV their ads are
coming on PTV, GEO TV, ARY DIGITAL and other channels. The present ad of Warid
telecom is prepared in India. It is a very simple message. The ad tells that Warid telecom
is for everyone it is so convenient that every person young, old, child, rich and poor can
get it. In future Warid telecom is going to launch an effective advertising campaign in all
over the Pakistan. Warid telecom is also advertising itself on print media as well. Their
ads are in all the leading newspapers of Pakistan the advertising strategy is to tell the
customers that Warid telecom is present. Warid telecom believes on long-term
profitability. They think that after establishing a strong image in the mind customers
through advertising they will be able to get huge profit and market share in the country.
Sales Promotion
Personal Selling
from any other method. Warid telecom is doing personal selling both or customer basis
and on corporate level. Warid telecom is doing personal selling through their sales
executives and sales officers. Sales officers meet ultimate consumers. Sales executives
meet corporate bodies, conduct presentations in order to create awareness about their
brands. Warid telecom focus is customers and their main objective is to get a handsome
share in the market. Warid telecom wants to continue this practice in future.
Publicity
Publicity is an important part of promotional mix. Warid telecom is also doing publicity through
sign boards, tack ;shows, sponsoring some concerts etc. Warid telecom has got 28 places in
Multan for their signboards. Warid telecom is arranging trade shows in various cities. Warid
telecom has conduct a trade show in Faislabad and going to conduct another in Karachi. The
main purpose of these trade shows is not just introducing products but also to entertain people.
So that they can remember the name of Warid telecom. Warid telecom provide a fantasy
atmosphere for all age people like young, old, children, male, female etc. You can dance in their
trade show, Eat Bar B. Q. listen your favorite music or anything else of your own choice. Warid
telecom is planning to arrange some concerts in different cities of Pakistan.
There are certain activities other than marketing which also strength the Warid Telecom
in Pakistan. These things include the financial position of company in the market which
is very good in Pakistan because it created and support by the Arab country. Human
resource is quiet accurate in Warid because all the employees feels satisfaction about
their job and feel that their career objective can be achieved by this company. Warid is
all about managing its big operations by excellent deliverable plans. Warid is also look
up towards the research and development activities.
Financial Position 1 2 3 4 5
Management Activities 1 2 3 4 5
Operational Activities 1 2 3 4 5
Competitive Objectives 1 2 3 4 5
Warid Telecom has divided its segmentation and strategy division into five segments on
the basis of their characteristics. Markets consist of buyers and buyers differ in one or
more ways. They may differ in their wants, resources, locations, buying attitudes and
buying practices. The core concept behind companies using marketing segmentation
concept is to divide large homogeneous markets into smaller segments that can be
reached effectively and efficiently with products and services that satisfy needs, wants,
desires and trends of certain segment.
Characteristics that govern segmentation and strategy development in Telecom industry
Specifically mobile services according to a certain segment are
➢ Age
➢ Educational background
➢ Gender
➢ Income
➢ National, regional or other geographical areas of origin
➢ Social class
➢ Religion
➢ Culture
➢ Behaviors
➢ Population
➢ Tele density in area to be segmented
So according to these above mentioned factors Warid divide its marketing strategy into
five segments which are
➢ Postpaid Segment
➢ Masses Segment
➢ Female Segment
➢ Youth Segment
➢ Corporate Segment
Postpaid Segment
Postpaid Segment is the one which includes individuals with good income and usage
more than
that of prepaid customers. Postpaid customers
Postpaid Segmentation Section designs marketing activities to better satisfy the needs of
Postpaid consumers.
Masses Segment
Female Segment
Importance of role of females cannot be overlooked in this modern era. That’s why
Warid Telecom has also developed females segment as a separate segment. The role of
Female segmentation section is to develop ideas that would entertain female population
in Pakistan.
Currently ongoing “Zem Baton ke committee Campaign” promoted by Bushra Ansari is
such an example.
Youth Segment
Corporate Segment
Corporate segment is niche segment which can be source of great revenue for
organization. Corporate Segmentation section develops idea that can provide maximum
support and facilities to their most profitable segment. Ongoing “Black Berry Campaign”
is one of its examples. Corporate segments are provided with
Product Positioning
Warid positioned itself around simplicity and subtlety, and attracted subscribers more
through word of mouth about its service quality than with advertising. Unfortunately,
Warid wasn’t able to capitalize on its great start, and hasn’t been able to position itself as
a premium brand in the industry; rather, its attempt to characterize itself as a service
provider that offers the best rates has led Warid to be associated with cheap
affordability. Warid consider itself at its growth stage and it has 18% of market share
and it can be next adoption for youth.
Pricing Strategy
When warid starts it offering more value and quality rather than reducing the pricing of its
products and its uses both demand-pull and demand-push strategies for penetrating the market.
Its innovative strategies like 1 second billing and 30 second billing are the strategies to capture
the large share of market. Now warid focus on reducing the prices of its products to increase the
market share of telecom industry. As now there is always good mouth for warid thus warid can
increase its market by reducing the prices of its products.
SWOT Analysis
In order to find what are the strengths, weaknesses, opportunities and threats faced by
Warid Telecom International.
The SWOT Analysis of Warid Telecom is given below.
Strengths of Warid
Weaknesses of Warid
➢ A developing market
➢ Mergers, joint ventures or strategic alliances
➢ Could develop new products
➢ Extension to overseas
➢ Decline of major competitors
➢ Technologically better environment
➢ New launches
➢ More customers after prelaunch
Threats for Warid
competitors
➢ Less coverage as compared to
0.05 3 0.15
major competitors
➢ Less experienced employees 0.10 3 0.15
than competitors
0.10 4 0.40
➢ Not able to capitalize on start
1.00 3.20
Total Score
Total
1.00 3.55
Prices
0.10 4 0.40 4 0.40
Advertisement
Positioning
0.20 3 0.60 4 0.80
Financial
0.15 4 0.60 3 0.45
position
0.10 4 0.40 3 0.30
Customer loyalty
Total
0.10 4 0.40 2 0.20
In the CPM the industry average take as 3.50, so the Mobilink performing is
the best as compared to their competitors in telecom services.
Business Strategy
➢ Cost leadership
➢ Differentiation
➢ Segmentation
Cost Leadership
Cost leadership of Warid is applied by offering lowest cost packages to its customers at
minimum possible level; they have attracted 7.5 million customers because of this strategy.
Now they are trying to get more profit after investing a lot they can’t low prices further.
Differentiation
Segmentation
Market Segmentation (Focused) by Warid by catering needs of people. Hay created image by
tag line “we care” for everybody they will provide best quality service. They given post paid
packages for middle class Zem and for elite business class they introduce Zehi.Thats showing
division of market by Warid into distinct parts.
Telecom Industry
Stars Question Marks
Mobilink WARID/Telenor
Sales
Growt
h
UFONE ZONG
As you see I this picture this is the BCG Matrix for Telecom industry in Pakistan. In this WARID
is question mark because it high market growth rate and expected to be increase its market
share in upcoming years.
ACTIVITIES TO BE IMPLEMENTED
Develop desirable skills in the employees who are assigned the basics
of target implemented these skills may include.
• To increase the ability to put right people on right jobs .i.e. The
person of finance dept. should not be given the tasks of R&D,
which is highly sensitive and innovational field.
1. Organizational Design
2. Incentives
Various rewards may help achieve successful implementation.
3. Communication
Rapid and accurate movement of information should be
confirmed .To do so efficient and effective feedback systems should be
introduced.
Proper time period should be given for the start and end of the task and
each personnel related to that specific job should be given complete
information about the geographic area of his/her sales and the volume to
be sold in case o personal selling and sale promotion.(the balanced score
board technique may be adopted)
Glossary
Loyalty
The extent to which customers repurchase a
Particular product or brand.
Gross Domestic Product (GDP)
The total market value of all final goods and
Services produced in a country in a given
Year; equals total consumer, investment and
Government spending, plus the value of
Exports minus the value of imports.
Franchise
Verb. Grant a franchise to an
Individual or group; grant the right to vote
Warehouse
Storage for goods and services prior to
Customer purchase
Corporate Governance
1. The control structure of a corporation.
2. The term used, following recent
Government sponsored reports, to describe
The policies and procedures that the
Company’s directors’ employ in their
Conduct of the company’s affairs, and their
Relationships with shareholders to whom
They are responsible as managers of the
Quality Assurance
The name given to the procedures used to
Ascertain that measurement data are good
Enough for their intended purpose. It
Involves
1. Quality control: those procedures and
Activities utilized to verify that the quality
Control system is operating within
Acceptable limits and to evaluate the quality
Of the data; and
2. Quality assessment: those procedures and
Activities utilized to verify that the quality
Control system is operating within
Acceptable limits and to evaluate the quality
Of the data.
Administration
Noun. Management (of an office, project,
etc.); execution of managerial duties; people
In charge of directing or managing,
Supervisors,
Abbreviations
Bibliography
For successful completion of this project we have utilize different available
resources, from which we have obtain the required data. These resources lie
in both digital and analog form. Most of the information is obtain from
Internet, while a visit to company is also made to get further information. We
are thankful to company management who have welcomed and cooperated
with us. Resources, which we utilize, are as follow:
Resources
➢ Wikipedia.com
➢ Blogged.com
➢ Yahoo.com
➢ MSN.com