Explanation:

Microsoft Windows operating systems primarily utilize **FAT32** (File Allocation Table $\text{32-bit}$) and **NTFS** (New Technology File System) as their major file systems. FAT32 is an older, widely compatible system, while NTFS offers advanced features like security, journaling, and support for larger files and partitions. * **Option A (FAT32 and NTFS):** This is the correct answer, representing the two dominant file systems in Windows. * **Option B (HFS and UFS):** HFS (Hierarchical File System) is used by Apple's macOS, and UFS (Unix File System) by Unix-like systems. * **Option C (XFS and EXT3):** XFS and EXT3 (Extended File System $\text{3}$) are primarily used in Linux and other Unix-like operating systems. * **Option D (UDF and ZFS):** UDF (Universal Disk Format) is for optical media, and ZFS (Zettabyte File System) is for Unix-like systems, not major Windows file systems.