Executive Summary

This report is prepared as a business plan for the establishment of Swift Properties which is a profit and service oriented real estate business entity aiming to assist the customers with sales, lease and rental of land, buildings and apartments. This changing environment in market place has highly motivated and forced the service provider to change their operation pattern from brick to mortar to click to mortar. This has evolved the practice of electronic business which has now made business possible through a single click rather than visiting the physical locations.

The real estate business is slowly turning into one of the most promising and evolving sectors of e-business. The progressive increment in the number of e-customers and ever expanding investment in the real estate sector make online real estate business more prominent. Swift Properties aims to be the most reliable place for property seekers to find details of all properties available in the country to buy or rent for all age and income groups. This portal will create a significantly more convenient and effective way for property hunters: up-to-date property information, 24 hours customer care, promptness in the service, and agents all over India and user friendly website. We also provide real time video of the properties listed. We ensure you an easy financing option through our tie ups with major financial institutions and cross selling by introducing insurance, interior decorator, etc. Documentation and Registration made easy. People who are above the age of 18 are our customer. It can be business man, service personnel, students, foreign nationals, etc. E-business is massively growing these days so we may face lot of hurdles in establishing ourselves in this industry. There are a lot of established websites in a real estate business like www.99acres.com, www.indiaproperties.com, www.sulekha.com,

www.magicbricks.com, etc.

The source of revenue of our business is from advertisement and commission from the sale of properties.

Our business is about selling and buying or renting land and buildings. It is an e-business in which all the items of real estate are posted on web site which can be viewed by everyone and obtain information about the product they need. The website not only provides information about real estate property but also let related business like furniture, interior decoration, etc to advertise in our website.

CHAPTER 1

Introduction
1.1 Background E-Business is the term used to describe the information systems and applications that support and drive business processes, most often using web technologies.

E-Business allows companies to link their internal and external processes more efficiently and effectively, and work more closely with suppliers and partners to better satisfy the needs and expectations of their customers, leading to improvements in overall business performance.

While a website is one of the most common implementations, e-Business is much more than just a web presence. There are a vast array of internet technologies all designed to help businesses work smarter not harder. Think about collaboration tools, mobile and wireless technology, Customer Relationship Management and social media to name a few. This changing environment in market place has highly motivated and forced the service provider to change their operation pattern from brick to mortar to click to mortar. This has evolved the practice of electronic business which has now made business possible through a single click rather than visiting the physical locations.

The real estate business is slowly turning into one of the most promising and evolving sectors of e-business. The progressive increment in the number of e-customers and ever expanding investment in the real estate sector make online real estate business more prominent. 1.2 Introduction of the Business

Swift Properties aims to be the most reliable place for property seekers to find details of all properties available in the country to buy or rent. This portal will create a significantly more convenient and effective way for property hunters: up-to-date property information,

24 hours customer care, promptness in the service, and agents all over India and user friendly website.We also provide real time video of the properties listed. We ensure the customer an easy financing option through our tie ups with major financial institutions and cross selling by introducing insurance, interior decorator, etc. Documentation and Registration made easy. People who are above the age of 18 are our customer. It can be business man, service personnel, students, foreign nationals, etc.

Our office would be located in 15 Gandhi Nagar, Coimbatore, Tamil Nadu. The source of revenue of this business is advertisement and commission from the sale of properties as well as commission from cross selling the products. 1.3 Stating Vision, Mission and Goal Vision To become a dominant player in the Indian Real-estate Market

Mission Providing customized products according to the need of the customers of all level of society with no constraints on time, and location; quality service being foremost priority.

Goal The goals of the company include: 1. Business Focused Goals Capture 15% share of total market with a growth of double digit every year. Reducing business operation cost. Better service with new technology integration.

2. Process Focused Goals Improve system accuracy and responsiveness. Improve flexibility and ability to respond to customers questions and market initiatives.

Objective To capitalize the opportunities and possibilities of doing real estate business electronically. To develop online property market resource and an essential destination for buyers, sellers, owners, agents and property developers. To provide high end real estate portal with its unique services and novel online features developed by using the latest web standards and technology.

CHAPTER 2

BUSINESS ANALYSIS

2.1 Industry Scenario

There are a number of real estate service providers in India. Every business faces some level of competition. Similarly, Swift Properties has a number of competitions which are listed below:

A. Direct Competitors Direct competitors are those businesses that provide similar product that our company is offering. The competition may be in terms of price, product design, promotion, etc they affect the market share for us. Some of our direct competitors are listed below: 1. E-business Companies: These are some of the companies doing real estate business which pose a direct impact on the business. Magicbricks.com 99acre.com Indiaproperties.com Brokerexcuse.com Makaan.com

2. Real Estate Agents: They are individuals that are involved in the buying and selling of properties. They take certain commission from either a buyer or a seller. Generally, real estate agents are self employed individuals that facilitate the buyer to meet with the seller of the property to induce sales of the same.

3. Real Estate Brokerage Firms: These are companies that facilitate the buying and selling of properties. These companies hire a number of agents that precisely work for the company to deal with both ends of the customers. E.g.: Swasthik Real Estate

4. Real Estate Companies: Those companies that build the properties like houses, apartments, etc themselves are involved in the selling of the properties are called real estate companies. These companies have their own marketing strategies. E.g.: Shova Builders, Nitesh Estate, Previlege Estate, etc.

5. Real Estate TV Shows: There are a number of TV shows that broadcast the properties of various individuals and businesses. This would create demand for the customers who are watching the shows. This may affect our market share. E.g.: Real Estate Kerala, Property AjaTak, Property plus on Zee Business, etc. 6. Property Fairs: Various firm joins hand to organize property fairs to promote the properties and lead to quick sales.

Strengths of the Competitors Already established companies Huge market share Brand loyalty among customers Up gradation of technology

Weakness of the Competitors Problem in identifying the changing demand of the customers Difficult to create brand loyalty among customers Differentiated products are not offered by the companies

B. Indirect Competitors Indirect competitors are individual or companies that are not indulge in real estate business. However, these competitors will greatly affect our market share. Indirect competitors are listed below: Companies providing houses under lucky draw: In case of contest, companies would offer to provide houses for individual; this could have an indirect effect on the e-business.

Opportunities Available The indirect competition can provide some opportunities for the business to grow. These are explained as under. Rise in Standard of living of people, everyone wants to own his/her own property in a most time saving and efficient manner. Growth in technology has made the e-business for real estate very popular. India is becoming an educational hub due to which there is an increasing demand of residential properties (rental) by international students.

Pros and Cons for Swift Properties Pros Quality services can be provided to customers. 24/7 accessibility is possible through e-business Real time video can be put up in the website which saves time and money of both the staff members and customers Contract agents could be made available to customers all over India to provide better and reliable services Cross selling of other companies product can be done efficiently like selling insurance plans, interior decorations, etc Potential of growth as e-business would be accessible for everyone Advancement of technology makes the business more demanding and lucrative Swift Properties would be a learning organization that focuses on developing as per the need

Cons Difficult to create trust among the target market Brand loyalty is a challenge that e-business faces Increasing number of competitors As the business is highly based on the technology there may be different types of technical issues like breaking down of server, security issues, etc.

2.2 Product/Service Description

Product/ Services Rental Services Uses/ Purpose Various apartments would be made available for all income groups to find a suitable room/ apartment for their convenience. Land Land or plots could be bought by individuals as well as households to make houses or business complex according to their desire. Business complex Various sorts of business complexes would be made available to business man to rent out. Residential houses House could be bought by families to live a comfortable life. Apartments Some customers would prefer to buy apartments rather than houses to settle down. Easy Financing Options Financing options would be provided to the customer to get EMI facilities at fastest and easiest way by tie up with various financial institutions. Insurance Services Tie up with insurance company to safeguard our customer from various sorts of risks. Interior Decoration Tie up with well renowned interior decorators to make our customers home attractive and organized with right furniture at the right place.

2.3 SWOT Analysis: The Swift Properties is a service and profit-oriented organization. The business provides the service that the customers demand and also satisfies the customer in the quality of service (final outcome). This type of e-business is really challenging but the business can run smoothly provided that the risks and challenges are taken carefully and suitable techniques are used for successfully conquering them.

The various aspects of our organization are given below:

Overall Sales Ability Knowledge of Client's Needs Product Knowledge Follow-Through Diverse experience Nationwide presence Breadth of customer base Relationships with stomers

Strategic sourcing Learning organization Technology advancements

Lack of expertise Lack of access to skills or technology Inferior service offerings Low levels of Review

Resource constraints Governmental regulation Economic downturns Shift in consumer behavior External pace of change Uncertainty of the future

2.4 Business Success Factors Our success will be dependent on the following factors: Provide access to the critical business information regarding the real state. CRM (Customer Relationship Management) will help to track the behavior of customer. Easy access of customer to information. Easy user interface. Ability to provide latest or recent information.

Behavior tracking of every individual and presentation of product of their need. Enable extraction of data from various data sources which is useful for decision making and analysis on regular basis.

2.4 Competitive Advantage

Use of information technology to fast reach of customer to the information gives competitive advantage to our organization. The business gives us competitive advantage in the following ways: Lower cost: o IT substantially reduces the cost of business process o IT lower the opportunity cost of customer as the customer Differentiate: o IT features used in service and processing helps to differentiate product and services. o IT features reduces the differentiation advantage of competitors o IT features has helped to focus products and services at selected market niches Innovate: o New product and service that include IT components helps to create innovative product o Use of IT has helped to develop unique new markets or market niches. For e.g. the firm festival time to capture the market. Promote growth o Use of IT helps and to manage regional business expansion o Use of IT helps to diversify and integrate into other products and services. Develop alliance o IT helps to create virtual organization of business partners. o Develop inter-enterprise information system linked by the internet and extranet relationship with customers, suppliers, subcontractors, and others.

2.5 Business Model

Customer

Advertisement

Providers

Land owner Web Server Information about property Real state on sale and on rent (Website)

Financial Institutio n

Home Owner

Internal users

Marketing Departmen t

HR Department

IT Departmen t

Account Departme nt

Explanation of Business Model: Web Server Server is the place where all the business information will be centrally located. Web server is the place where all the information about the product and information of our business is located. All the activities are carried out from the web server. Web server

consists of the database of our system.

Website The website offers an exceptional exposure for the Developers, Builders, Real estate agents/brokers, Firms and Professionals where they can add their profiles to their respective page.

Product Owner We have classified property owner into house, land and apartment. The property owner will place their land, buildings for the rent and for sale from different part of the country. To post their properties in the web the owner of the properties must be a member of our service. The information provided by owner will publish on the web after validating the property and signing a contract.

Advertisement Providers Advertisement provider provides advertisement and we generate revenue through them. Furthermore, the other source of income would be the advertisements in the companys website. The company would provide opportunity for different business institutions to increase their revenues by advertising their services in the web.

Customer The customers of Swift Properties are obviously those people who are willing to rent/purchase home/apartment/land. The building as well as land owners interested to lease/sell their building/apartment will also be benefited by e-business. This venture aims to provide following benefits to the target customers: 1. Customer can view the video of the property from all dimensions. 2. No need to face problems searching house /land for rent or purchase 3. Provision of reliable and convenient rental service online. There will be varieties of options available online. 4. Since the service is provided online, it is accessible from anywhere, anytime. 5. Affordable costs, time saving.

6. Fast and easy access to swift properties.

Customer gets information about properties through the website. Customer can also book house for rent or sale. To get access to the valid information customer needs to get membership of our service. Membership is out of cost the customer just has to fill up the simple membership form provided in the web site on sign up page. After getting user name and password customer can log in to our web site and get access to the detail information. The valid username and password also enables customer to put their requirement on the web so that we can provide the properties as their requirement. After getting membership customers can put their order or put the properties in the basket. The management and maintenance of the system will be done by the system administrator. Processing of requests in the system would be monitored and done by the staffs.

Financial Institutions Financial institutions are those institutions which provide the way of flow of cash throughout the business. The work flow for a business in Swift Properties would be as follows: 1. The home owners/apartment owners who are interested to sell/lease can register online in the system for free. They can post different information, pictures etc. 2. After that the company representative will visit the owner to sign a deal with the company in the contract paper. The site visit and the legal ownership verification will be done at the same time. The contract paper will also include the companys policy that the owner would be liable to pay 5% of cost of service as a commission to the company. 3. The clients looking for home/apartment can register online for free. They can browse different available options. If the clients requirements are met then they can simply process for order by making online payment or by entering bank voucher number after depositing in companys bank account. Online payment is for amount less than Rs 1lakh. The payment has to be made with additional 5% of

cost of service as the commission to the company. The clients can request for site visit too by using the feedback facilities of the system. 4. After the payment is made, processing would be done by the company as a mediator between the clients. If the service is lease then the process is simple. The company will assist to sign a contract/bond between the owners and the tenants. But, if the service is related to sales/purchase then different legal activities for ownership transfer has to be done. 5. While closing the deal, if the amount paid by the client would be transferred to the owners account after deducting 5% of cost of service as a commission according to companys policy.

IT Department IT department will manage, organize and update the web server the web content, users and user profile, system maintenance and upgrading of organization, send information about users uploaded content for verification and deal with the network and web-security related issues.

Account Department Account department will handle all the financial and accounting activities of our business organization regarding all products.

HR Department HR department will manage the human resources of organization. It includes employee recruitment, their mobilization and providing trainings to the employee.

Marketing Department Marketing department will be responsible for advertising and promotion of our business. Marketing department will form marketing strategies to gain competitive advantage by optimum utilization of resource available.

2.6 Input, Process and Output Input Process explains different kinds of input necessary to establish the organization. There are different types of inputs to our organization like Money, People (Owner and/or Seller), Advertisement and Investment etc. The Process explains the business process that we perform to convert input into desirable output for organization, and other stakeholders. We use the different techniques like Marketing, Training and Maintenance. After the process we finally will be able to get output that is Customer satisfaction. The stakeholders of our organization are shown in figure 3.6.
Figure 3.6 Stakeholders in the Business Environment

The Community

Competitors

Control

Government Agencies

Management
Feedback

Information Systems

Resources People Money Computers Information

Business Processes Marketing Support Other Process Training

Product and Service

Supplier

Input

Process

Output

Financial Institutions

Advertising Agencies

Stockholders

House Sale House Rent Land Sale Land Lease Payments

Customers

Explanation of the Input, Process and Output Management The top level management of our organization will be composed of three founder members. The members are: Lennox Benjamin Bijaya Kriti Sujita Lennox Input The inputs of our system are people, money, computers and information, like using raw material, hiring new people, collecting property information and disseminating information as per the requirement of customer as well as organizational use. People include specialists as well as end users. Process It includes business processes such as marketing, financing, customer support and training. The inputs like customer order and booking are processed through the financial institution and payment gateway through internet. Output (Product and Services) The output of our business organization is home sale, home rent, land sale, land rent, apartment rent and payment. It means we provide facilities like renting and selling of land and apartments.

Feedback Feedback is received in direct way from the customer. Customer directly enters in to the web page and drops the feedback in the web page so that we can act accordingly. Control To see weather our business is going as we expected or not we use the control mechanism. If the business is deviating in the wrong way then board of directors conduct a meeting and make a decision to bring the business process in track.

2.7 Organization structure

CEO

HR Department

Accounts Department

IT Department

Marketing Department

Fig. Organization Structure of Swift Properties Swift properties follow a top down approach where authority flows downwards and responsibilities flows upwards.

CEO: The CEO of the swift properties is to manage all the departments of the company. S/he develops the goals, strategy and policy for the organization. S/he makes strategy for the growth of the company and circulates the department about the same.

Human Resource Department: HR department organizes all the employees working for the company. There are a lot of agents working for our company in various places of India so HR Department manages all these agents. HR Department is responsible to recruit the agents, provide training, motivate them, salary to all the employees and appraise the performance of the employees.

Accounts Department: Accounts Department keeps record of all the transactions. It receives all the commission from different parties. Account department handles the cost and revenues analysis, prepare various financial reports, prepares the budget, etc. It maintains the sources and uses of fund and records the actual expenses and revenues. It provides the fund to the department for their expenses and records all these transactions.

IT Department: As the business is entirely related to information technology, IT Department needs to be very alert and updates the information in website. They are responsible for viewing the uploading information, categorize them and forward them to CEO. IT department also focuses in disaster handling in which they recover data that may be lost in the server. They are also engaged in maintenance and the developing of the website, creating the system, handling the securities issues, etc.

Marketing Department: Marketing Department is responsible for designing the advertisements. They are responsible for handling the customer who includes both the land owner and customers. They maintain relationship with the cross selling parties as well.

CHAPTER 3

Marketing Analysis
3.1 Definition Marketing managers and strategists have used the 4 Ps model for many years to define their business strategy for product specification, delivery and promotion. These four most important Ps are generally accepted to be: Price, Product (specification and branding), Promotion and Place (or Placement, the mode of delivery, or Distribution). These headings are still useful in considering e-business, but there are a number of specific additions that are important to consider.

This summary will also help to outline a strategic plan for bringing the product or service effectively to consumers.

Knowing the Competition: By analyzing any competition on the market, it will give an idea of what marketing they are doing, what is working and who the target market is. Examine the direct competitors and any indirect competitors. Direct competitors are the ones who are selling the same product, while indirect competitors are business that are selling a similar product that customers might choose as an alternative. Understanding the strengths and weaknesses of competitors marketing plans will help to formulate new ideas that may increase the companys competitive position.

Figuring Out the Marketing Mix: Frequently referred to in marketing as the 4 Ps of marketing, the marketing mix will help to create an effective marketing plan. These four Ps are Product, Price, Place and Promotion. Once the product has been decided on, a price will need to be established. Then decide on the best location to sell the product. If the business is selling snowboards in a sunny beach town, there will probably not be

much of a market. Finally determine what types of promotions will encourage potential customers to try the product.

Putting Together the Market Analysis: The market analysis will be an ongoing effort to show how the company or product is doing over time. It should address tracking and data about the product lines sales. Any future product lines or line extensions should also be outlined. There should be a competitive review and ideas on how to position the company better. In addition, business owners should consider how they plan to grow the demand within the industry. A thorough market analysis will be a blueprint for how to run the business. It is important to review the plan periodically and make changes when necessary.

Due to the real-time on-line nature of the Internet, relationships between organizations and customers are becoming more interactive. Interactivity has to do with two-way exchange of information and ideas with the customer through an on-line interface, which enhances the richness of customer relationships and gives rise to new paradigms of product design and customer service, such as Internet forums The Benefits of e-Business There are a number of benefits to e-business but in thinking about these benefits it is essential that we make the link back to our definition of marketing in order for the benefits to be fully understood. The benefits can be summarised as: The opportunity to increase sales The opportunity to access new markets across the globe The chance to target market segments more effectively Provide more accurate information and improve customer service experience Improves the efficiency of the supply chain Improve employee motivation through more flexible working methods

Allowing 24/7 access to the firm's products and services Provides convenience and comfort for customers

Company Slogan BRICK TO MORTAR TO CLICK TO MORTAR We selected this slogan, as our business is purely based on the e-business model and we wanted to emphasize on the change from building/ buying a property in the traditional manner to fulfilling all property needs of our esteemed customers at the click of the mouse.

3.2 Marketing Channels Internet Marketing: E-mails to prospective customers, Search Engine Optimization of our website and Banner Ads on popular websites and social networking websites. Advertisement: Ads on TV, Local, Regional, National Newspapers, Hoardings and Bill Boards across major cities. Property Expo: We actively take part in property expos throughout the country and trough which we market our Company, Products and Services

CHAPTER 4

Financial Analysis
Starting any business requires an initial sum of amount which we call capital. For our business we have planned to raise equal sum from our business partners to meet our capital requirements. Each of the three partners will contribute amount of 3 lakhs making paid up capital amount of 18 lakhs. We will be taking loan of 12 lakhs from bank. The most important factor in our case is collection days. We can't push our clients hard on collection days. Therefore, we need to develop a permanent system of receivables financing, using one of the established financial companies in the business. Our plan depends on the assumptions that are made in the following table. These are annual and monthly assumptions that show the consistent growth of the company. Since we operate on a monthly collection basis, we are assuming that the majority of the collections will be timely and in full. Some of the underlying assumptions are: 1. We assume a healthy growth trend in the local real estate market, along with a continued strong local economy. 2. We assume that we stay in line with the continuing advances in technology and housing. The following chart indicates our key financial indicators for the first two years. The projected income statement for the first year shows loss of Rs. 3.2 lakh. However, we have estimated profit of Rs. 6.53 lakh for the second year. Similarly, the projected total valuation of the Assets and Liabilities for the first year amounts to Rs. 30 lakh.

The projected balance sheet for the initial two years is given as below: Pro Forma Balance Sheet Descriptions Amount (NRs.) Year 1 Assets Current Assets Cash Cash in bank Accounts Receivable Other Current Assets Total Current Assets Long-term Assets IT equipment Furniture Total long term assets 1300000 500000 18000 850000 200000 100000 50000 1200000

Total Assets
Liabilities and Capital Current Liabilities Account Payable Bank loan Current Borrowing Other Current Liabilities Total Current Liabilities Paid-in Capital Retained Earning

3000000
Amount

100000 700000 200000 200000 1200000 1800000 0

Total Liabilities and Capital

3000000

The Projected Income Statement for the first two years of the company is as follows: Particulars Amount (NRs) Year 1 Service Revenue Direct Cost of Sales Expenses Less: Total Cost of Sales Gross Margin Gross Margin % Less: Operating Expenses Payroll Sales and Marketing and Other Expenses Depreciation Utilities Insurance Rent Payroll Taxes Other Total Operating Expenses Profit /Loss Before Interest and Taxes EBITDA Interest Expense Taxes Incurred Net Profit 6,00,000 1,00,000 0 50000 50000 120000 100000 0 10,20,000 (3,20,000) (3,20,000) 108000 0 (3,28,000) 7,00,000 50000 40000 50000 70000 120000 100000 0 11,30,000 6,70,000 6,70,000 50000 67000 6,53,000 13,00,000 3,00,000 2,00,000 5,00,000 7,00,000 58.00% Amount (NRs) Year 2 25,00,000 4,00,000 2,00,000 600000 18,00,000 75.00%

CHAPTER 5

Strategic Planning and Exit Policy

Strategic planning is an organization's process of defining its strategy, or direction, and making decisions on allocating its resources to pursue this strategy. Exit policy is a directive by the administration on wrapping up industry operations. It helps an enterprise to draw out from its business (for any reason) while securing the interests of engaged parties

In present context, Real Estate business is facing extensive competition. Due to which it is always a safer option to plan your future with good strategies. Adopting a particular strategy would result in the exit policy for our partnership firm. We have opt for strategic alliance with our competitors like magicbricks.com, 99acres.com, etc.

No matter how successful a business venture may be, the time will come when one will no longer want to continue its operation, or may be forced to end due to changing economic conditions. When this occurs, we need a way to wind up our business activities in the most efficient manner possible. An exit strategy is a way to turn our operation over to another entity or to cease operating altogether.

Swift Properties as a company with its professional experts has decided to be ready for the future uncertainty and readied itself for any unexpected economic outcome that could adversely affect our business. For that reason, we have decided to come up with our exit policies at the time of our business plan.

Swift Properties would later on opt for Strategic Alliance with established competitors so as to increase the customer base and to increase the business volume. A Strategic Alliance is a relationship between two or more parties to pursue a set of agreed upon goals or to meet a critical business need while remaining independent organizations.

Partners may provide the strategic alliance with resources such as products, distribution channels, manufacturing capability, project funding, capital equipment, knowledge, expertise, or intellectual property. The alliance is a co-operation or collaboration which aims for a synergy where each partner hopes that the benefits from the alliance will be greater than those from individual efforts. The alliance often involves technology transfer (access to knowledge and expertise), economic specialization, shared expenses and shared risk.

CHAPTER 5

CONCLUSION
Swift Properties aims to be the most reliable place for property seekers to find details of all properties available in the country to buy or rent. This portal will create a significantly more convenient and effective way for property hunters: up-to-date property information, available for free, accessible 24 hours a day to anyone with web access and far more complete in terms of number of properties and depth of details on each property than through any other traditional advertising media.

Swift Properties will be dealing with sales/lease and renting of homes, apartments and lands. The income source for the business to sustain is obviously the commission earned by serving the customers. The company will act as a mediator between those customers who are willing to purchase/rent homes/ apartments/lands and those customers who are interested to lease/sell their homes/apartments/lands. Besides commission, the source of income will be advertisement revenue, published in our web pages.

User-friendly structure of this portal makes it easy to browse. Structure of Swift Properties facilitates easier and faster navigation. Search by type of property, search by location, etc. are few features that assist visitor to reach to desired page in minimum clicks.

Our business is running with different strategies that will lead us to the apex of success. We will have strong marketing strategies, and we will use different advertisement media like newspaper, television and other websites to reach to the customers. It will help to establish strong networking to customers as well as other vendors. Our customers will be from different level of income, different occupation as well as different communities. With the coverage of wide range of customers and easy and reliable services that will increase the level of customer satisfaction level. This is the key success of our business.