1. Group 10 Juhamatti Muuraiskangas Soile Oikkonen Tuomo Laine

2. E-loan Inventory control=Possibly (if money is an inventory object) Sell online=yes (loans, finance, mortage) Price set online=No (rates are fixed) Physical Product/Service=No

3. E-loan Likely revenues=transaction fees, service fees, commissions Likely costs=advertising and marketing, R&D, It infrastructure green=information etc., does say clearly what site offers, quite easy to use, section divided into clear groups

4. InsWeb Control inventory=No (no materialized items) Sell online=No (just an offer) Price set online= No (fixed prices) Physical products/service=Yes (you can calculate costs of insurance)

5. InsWeb Likely revenues=advertising and marketing fees Likely costs=advertising and marketing, R&D, IT infrastructure green=information etc., upper right corner ”SAVE”, down left corner ”TRUST”, peaceful, good picture (money, time)

6. FreeMarkets Control inventory=yes (if company is offering a product which needs inventory) Sell online=yes (if company decides so) Price set online=yes (e.g. auction) Physical product/service=(place to market)

7. FreeMarkets Likely revenues=transaction fees, other fees Likely costs=staff support for auctions, advertising, marketing Doesn’t say clearly what it does, still UI is clear, colors imply to professionality