3.) Attualmente, tutti i dipendenti sono ancora occupati. Siamo impazienti di arrivare da voi al più presto possibile. Avete visitato il nostro sito web: www.johndoe.de? Potrete trovare una panoramica dei nostri servizi e prodotti. La vostra chiamata è molto importante per noi e siamo attenti a concedere tutto il tempo necessario ai nostri clienti. Purtroppo, tutte le linee sono ancora occupate e chiediamo la vostra pazienza.
how to put a phone on hold
Your Message on Hold content should be updated in conjunction with changing information at your company. These changes might include marketing efforts, customer service strategies, policies, promotions, or other news.
Messaging on hold is an excellent tool for keeping callers and clients updated with company news and goings-on. Recordings can be used to update customers on changes to opening hours and scheduling, service delivery information, daily events and much more.
.
on hold messages free download
Showcase the most important services your practice provides pets and their families. The following message examples are the core of your practice and should be in the forefront of all client communications.
No business can afford to run the risk of customers hanging up. That’s when investing in professional on hold messages saves you money and wins you extra business. Call us on 1800 837 844 today and take advantage of our FREE business message demo.
what is effective business message
We have recorded audio productions in various languages such as French, German, Italian, Spanish, Swedish, Russian, Chinese, Polish and many more!
There are three parts to a perfect on hold message: the script, the speaking tone and the written tone. And of course, there is also the music, which plays a big part in representing your business brand.
how do i turn off voicemail on my cell phone
Home About Services Radio Ad Production Jingle production Voice Overs on hold messages for business Video Production Tv Commercials Web Videos Documentaries Graphics & Animations Web Design + Management Graphic Design & Branding Social Media Marketing SEO | Search Engine Optimization Green Screen Studio Rental Sound Recording Studio Rental Complete Marketing Strategy Solutions Content Writing Services Blog Contact Free SEO Analysis! Home About Services Radio Ad Production Jingle production Voice Overs on hold messages for business Video Production Tv Commercials Web Videos Documentaries Graphics & Animations Web Design + Management Graphic Design & Branding Social Media Marketing SEO | Search Engine Optimization Green Screen Studio Rental Sound Recording Studio Rental Complete Marketing Strategy Solutions Content Writing Services Blog Contact Free SEO Analysis! Affordable customized on hold messages for business for any sized company since 1999.
call center on hold messages
how to write a direct business message
call center on hold messages
how to leave a good voice message
how do you hold your phone when running
how to turn off google voice message
how to leave a voicemail to get a call back
on hold message production
what is effective business message
how long can you record a voice message on whatsapp
how to stop whatsapp voice message
how to disable celcom voice message
how to turn off voicemail on bell cell phone
Royalty Free Hold Music Telephone Wait Music . All of our songs can be ‘on hold’ music but we picked out these especially wonderful, relaxing songs to sooth your clients and customers. These songs are perfect for listening to while “on hold”. Great songs your customers will appreciate while they’re waiting on the phone.
Professional business voicemail greetings are significantly different from ones you record for individual use and complete your professional business image. They’re more generic in nature and designed to provide information to the caller while ensuring they leave a message. Where possible, explain when you expect to return calls. Typically, they’re recorded for the following:
If you click a merchant link and buy a product or service on their website, we may be paid a fee by the merchant.
examples of on hold message scripts
Skip Waiting On Hold comes as part of the $3 per month DoNotPay suite of services designed to save people time and money by battling bureaucracy on their behalf. It can handle DMV paperwork for you, write legal letters to scare businesses out of overcharging you and it provides a credit card that automatically cancels subscriptions when your free trial ends.
Below are small excerpts from on hold programs we’ve produced for other businesses for phone messages and hold mesages . Keep in mind, each program is custom produced. If you don’t see your industry listed, please call us – as we’d still love the opportunity to work with you. American Creative can be reached by phone at 888-226-7608, or via email by clicking here.
As providers of on hold messaging services for over a decade, the Solutions On Hold team offers the experience, technology and skills to help you get the most out of your on-hold marketing programs, yet still keep them easy to implement and simple to maintain. All of your on-hold messages are developed by professionals in the advertising and communications industries. Each message is customized specifically to help you spread your message. Then, using professional voice talent and licensed music, your customized on hold messages are crafted, recorded and mixed in our state-of-the-art sound studio.
how to put the customer on hold
Intrado has sales and/or operations in the United States, Canada, Europe, the Middle East, Asia Pacific, Latin America and South America. Intrado is controlled by affiliates of certain funds managed by Apollo Global Management, LLC. For more information, please call 1-800-841-9000.
3.) Atualmente todos os atendentes ainda estão ocupados. Estamos ansiosos para lhe atender o mais rápido possível. Você já visitou o nosso site www.johndoe.de? Você pode encontrar uma visão geral dos nossos serviços e produtos por lá. Sua ligação é muito importante para nós e nos dedicamos para ter tempo para nossos clientes. Infelizmente, todas as linhas ainda estão ocupadas e pedimos a sua paciência.
Harness the power of a captive audience. Benefit from up to an 18% increase in requests for products/services mentioned on your custom business on hold greetings. Reach out to the team at Killerspots and we’ll get you hooked up with the best hold messages and on hold music for business owners.
how to put someone on hold with iphone
Music-on-Hold systems allow you to play recorded music and/or messages to callers while they are on hold. (Alternatively, the system supports a Tones on Hold feature.) Music On Hold Players are usually designed to provide a choice of outputs: 600 Ohms or 8 Ohms. The user may choose the output and volume level appropriate for their callers. The
To help you get started, we'll explain the effect that phone hold music has on customers, lay out the key criteria for selecting the best hold music, and even provide a free track that was selected by voters as the perfect hold song. Why hold music is worth investing in.
435-655-8844We offer the option to buy out a message, rather than pay per month. If you’d prefer this option, please contact us for pricing information. You can fill out the contact form below or call us at 435-655-8844 or email us at [email protected] I need something a little different than the packages you have on …
Be Part Of Our Story!
how to hold your phone steady
When you plug in your PawsTime Message On-Hold system, you’re plugging your client-owners into the freshest and most engaging veterinary health and behavior topics and information.
how to put a verizon phone on hold
Message On Hold Can: Sell products and services Introduce promotions Drive website traffic Answer FAQ’s Provide customer service Reinforce marketing Encourage referrals Build brand awareness Use Music to keep callers entertained
music on hold for phone systems
Typically, if you what to use copyrighted music in your project, you must obtain two licenses - a Sync (Synchronization) license from the publisher and a Master license from the recording label.
Contact Us
What do you think is the best on hold message your business needs? Let us know by posting a comment! If we like your idea we will record it and add it to our collection of royalty free sounds. Need music for videos? download unlimited royalty free music and sound effects Royalty Free Music & Sound EffectsUnlimited download / Lifetime license / New music daily RECENT POSTS 5 Places To Download Music On Hold Read This Before You Buy Music On Hold (MOH) Make Money On YouTube: Halloween Music Videos Gifts For YouTubers [5 Great Gifts Under $100 That Any Creator Wants] Music For Educational Video CATEGORIES Affiliate Marketing (3) Announcements (6) Customer Spotlight (5) Freebies (5) Make Money On YouTube (12) Music Download Charts (18) Music Licensing And Copyright (12) Support (9) Video Creators Tips And How-To's (47) Unlimited Download Unlimited access to the entire catalog. New music added daily. Lifetime License Your licenses never expire even when you cancel your subscription Promotional video Training video Presentation / slideshow Film / documentary Podcast / audio book Game Explainer video Advertisement On hold system Video intro / outro Wedding video Vlog / YouTube
what is a good professional voicemail greeting
Note that the music will always play from the beginning each time the unit is turned on. This isn't a problem when using the device for music on hold, it's intended purpose. But for my use, I bought a bunch of 1 GB USB drives, and recorded different "cheesy elevator music" on each, which we will be able to change out for variety.
You call into a business. While you wait to get to the right person, you listen to music, information about the company and its promotions, or maybe even a recording that reminds you that your call is important to them.
Creating dynamic and captivating on hold programs has never been easier! Simply create your free account, and you will be taken to our newly updated order portal. In just 3-4 business days, we will deliver your custom Message On Hold in the audio file format you need, so you can easily implement it into your phone system for callers to enjoy. Create an Account Login Now
If you have your own on-hold system there is no need to enter a costly contract for your audio requirements. With our competitively priced on-hold messaging service you could save on average about £2500 over 3 years.
“As part of your on hold package, we can offer you a discounted backup price when ordered at the same time. Once you are connected, please ask your adviser for full details.”
Typically it takes us 3 to 5 working days from receiving your order and ready to record script.
!
free on hold messages for business
how to put your business on hold
how to hold your phone for facetime
can you put your business on hold
Need a new telephone on-hold message to reflect changes? How about an updated IVR/PBX Professionally recorded message/greeting for your telephone system?
Voice over Internet Protocol, similar to cellular networks, is handled digitally. Ringback is one way in which VoIP is setting itself apart from traditional telephony services. When you subscribe to business VoIP, your phone will most likely come pre-programmed with both ringback and on-hold music. VoIP providers, unlike cell phone carriers, don’t charge extra for ringback tones. Not only that, you can upload your own custom ringback and on-hold music, such as a favorite song, a customized soundtrack, or even a customized greeting or up-sell message. VoIP subscribers can select different connect and on-hold music by accessing their online portal.
Recording services can provide a dramatic improvement to your company image by offering your callers on hold messages that convey important facts about your business, including operating hours and featured products. Using on hold messages gives businesses in right throughout Australia a valuable opportunity to communicate with clients and has the added benefit of reducing dropped call rates.
Aren’t these on hold messages a lot better than being left in silence or just listening to the radio? Rather than being frustrated about waiting you’re being told exactly what you need to know. This saves both the caller and the business time all while increasing the likelihood of a successful deal.
1. TO IMPROVE HOW LONG CALLERS ARE WILLING TO STAY ON HOLD. Statistics from a CNN survey cited by Chron.com state that “70 percent of callers who are placed on hold with just silence hang up within 60 seconds; of them, 35 percent won’t call back.”
On hold messages delivered to your phones. Directly to your VoIP system or onto our on hold player. When equipment is needed, we only use custom made systems that provide the best sounding results. And, of course, our tech support is always available for all of your questions! Professional Voice-over Talent for Main Greetings, Auto Attendant, Voicemail. HomeAboutBenefitsServicesTestimonialsSamplesWhy These Options are BadPurchase Offers Home About Benefits Services Testimonials Samples Why These Options are Bad Purchase Offers News Resources Support Schedule A Call Refer a Colleague Post a Google Review News Resources Support Schedule A Call Refer a Colleague Post a Google Review
what a professional voicemail greeting
hold phone steady while recording
phrases to put a customer on hold
how to put yealink phone on hold
If you find yourself fighting the urge to dust off your platform shoes and dim the lights for optimal disco ball conditions, there is a good chance that you are waiting for service with the late Isaac Hayes.
how to put customer on hold in d365
Don’t know what the messages should say? You could engage a marketing or branding firm to help with this.
It's a place most of us have been before: Knowing that you have no option if you wish to get the help you need, you reply, “Sure, I’ll hold,” and politely wait. If you have never been through what comes next before, you are lucky. If I am being completely honest, I am slightly envious.
Feel free to use the template messages for your on hold messages or just to get ideas. Just replace [the words in brackets] with your own words and amend as you see fit. #1 Who [On Hold Messaging Direct] are a leading supplier of [telephone messages, including IVR, music on-hold and marketing messages].
Tone - select the right tone for your business brand. If your target market are young millennials, then the script would most likely include some slang words, be quite laid back and the script would be recorded in an energetic tone. If you primarily service the business market, then the script would be more articulate and recorded with a more professional tone.
Your choice of male or female professional voiceover artist, you can choose both if you prefer (a small additional charge), flexibility is the key to providing you with a product that will sell, educate and promote when your client is on hold.
should you hold your phone while running
on hold music for cell phone
on hold messages script
how to message from facebook business page
(If you can't hear any difference between these two samples, then there's a good chance your speakers are reducing CD quality music to phone quality for you!)
Until recently, it has not been possible to have cell phone music on hold and most people assume it is impossible to have any audio on hold, since there is no “hold button” on a cell phone. However, now there is a way to provide music on hold or messages on hold on your smart phone using the RingCentral virtual PBX service app.
monitor what kind of message we are sending to our callers and the outside world. Some basic rules of telephone etiquette are. . . Speak directly into the mouthpiece of the phone or a headset while talking DO NOT eat or chew gum while talking on the telephone DO NOT cover the phone with your hand or put it against your chest to avoid the
The standard format we provide audio files is .wav (mono 44.1kHz 16-bit). However, we can provide other format specifications if required e.g. alaw, ulaw, mp3. The audio files are delivered to you via download.
Tone - select the right tone for your business brand. If your target market are young millennials, then the script would most likely include some slang words, be quite laid back and the script would be recorded in an energetic tone. If you primarily service the business market, then the script would be more articulate and recorded with a more professional tone. Website Terms and Conditions Privacy Policy Policies and Legal BusinessCom BusinessPBX BusinessCo Online Store BusinessCo Group Testimonials Compliments & Complaints 1300 Number Plans Shortlisted Voices Voice Actor Login Voice Actor Sign Up Login Sign Up Get Quote Audio Description British Sign Language Closed Captioning Localization Services Subtitling Services Translation Services Browse Languages English Speaking Find Narrators Genres Narrator Jobs Male Female Non-Binary Animation Voices Browse Languages Casting English Accents Find Voices Styles Unions Video Game Voices Voice Acting Jobs Voice Types Male Female Non-Binary Browse Talents Casting Location Services Mediums Nativities Post-Production Male Talents Female Talents Non-Binary Talents Rates Scriptwriting Talents Search Translations Voice-Over Jobs Gender All Genders Non-Binary Male Female Styles All Styles Comedy Host / Announcer B2B Characters Documentary Education Explainer Guide / IVR Impressions Narration News Commercial / Promotional Singing Africa (All)America (Latin)America (North)Asia (All)Europe (All)FictionalOceania (All) Africa, CentralAfrica, EastAfrica, NorthAfrica, SouthAfrica, South EastAfrica, WestAmerica, CentralAmerica, NorthAmerica, SouthAsia, CentralAsia, EastAsia, SouthAsia, South EastAtlantic, NorthAustralasiaBritish IslesCaribbeanEurope, CentralEurope, EastEurope, SouthEurope, South EastEurope, WestGalacticMiddle EastMythicalPacific IslandsScandinavia Tone(s) Angry Authoritative Comedic Conversational Eloquent Enticing Inspiring Nurturing Playful Sad Scared Unorthodox Advanced Gender(s) and Age(s) Non-Binary (Child) Non-Binary (Teen) Non-Binary (Young Adult) Non-Binary (Adult) Non-Binary (Senior) Male (Child) Male (Teen) Male (Young Adult) Male (Adult) Male (Senior) Female (Child) Female (Teen) Female (Young Adult) Female (Adult) Female (Senior) Styles(s) B2B Characters Comedy Commercial / Promotional Documentary Education Explainer Guide / IVR Host / Announcer Impressions Narration News Singing Pitch(es) Very High, Light, Camp Pitch High, Light Pitch Normal Pitch Low Pitch Very Low, Deep Pitch On-Hold Messaging Voice-Over Your on-hold messaging deserves only the best voice-over talent to represent your brand and keep callers happy. Listen to Voices Tell us about your project
A customer on hold represents a great opportunity to advertise services and products. If your system isn’t, you’re missing out on the one in five callers who make a purchase based on commercials heard on hold. We offer comprehensive phone message ordering options, including:
"Nice delivery of the humor! [It] would keep an on-hold caller waiting to hear what comes next." - Ricky Roo / On Hold Messaging Association's MARCE Awards Judge
IMS Telephone On Hold Player Computer based messages on hold and music server This software mixes and plays music and messages to your callers while they are on-hold or being transferred. One of the main advantages of using a computer is automation (eg. date sensitive messages) and easy user control over messages.
Inform callers during your closed time of your opening days and hours and suggest they visit your website. Call Menu Options / IVR
The best hold music has few instruments and preferably only one. Simple music handles the change in quality better than a full orchestra arrangement. The latter gets distorted, particularly if it’s too loud for the phone to handle and clipping happens. No one wants to hear a dirge-like cacophony masquerading as “Pachelbel’s Canon in D.”
Website: https://www.calltrackingmetrics.com/blog/communications-o/calls-o/how-to-source-hold-music/
hold phone steady while recording
best business voicemail messages
how to leave a formal voice message
how to cancel fido voice message
On hold message 2 – You are less than 30 seconds into keeping your caller on hold. Give them something to think about...
services Memorable And Powerful Radio Advertising Killer Sound Design Mix To Picture And Audio Sweetening Translation & Adaptation Audio Mnemonics For Your Brand Music Licensing Telephone On-Hold Messages Location Recording Voice-Over Recording Voice-Over Demo Reels Speed Demos Podcast Recording And Production Consulting Services studio projects About Testimonials contact Telephone On-Hold Messages
Phone Download – The content is sent through your phone lines and loaded onto the equipment.
Solutions On Hold • P.O. Box 723 • 1865 West Wayzata Blvd. • Long Lake, MN 55356 • PH: (952) 473-2178 • TOLL-FREE: (800) 811-8282 Details & PricingGet StartedSamplesContact UsReviews Request A FREE Custom Demo ProgramWe Love ReferralsFeedback Nortel Norstar Norstar MICS Norstar CICS Norstar 3x8 ATA2 / FastRAD Modules Norstar VoiceMail Norstar Manuals Nortel BCM Nortel BCM 50 BCM 50 Key Codes Nortel BCM 450 BCM 450 Key Codes Media Bay Modules Nortel BCM 400 Nortel BCM 200 Meridian 1 PBX Meridian 1 Phone Cards Meridian M3900 Phones M3900 Snap-In Modules Meridian M2000 Phones Meridian Conferencing Unit Norstar Phones Norstar Phones (T-Series) Norstar Phones (M-Series) Norstar Cordless Phones Norstar Audio Conferencing Unit Nortel / Norstar Headsets Norstar Phone Parts Norstar Button Packs Nortel IP Phones Nortel 1100 Series IP Phones Nortel 1200 Series IP Phones Nortel IP i2000 Series (Phase 2) Nortel IP i2000 Series (Phase 1) Nortel 2033 IP Conference Phone Avaya IP Office Avaya IP Office IP 500 IP 500 Modules / Cards IP 412 Modules / Cards Avaya IP Office Voicemail Avaya IP Office Phones IP Office Wireless Phones Avaya Manuals Avaya Communication Manager G350 Media Gateway G450 Media Gateway G650 Media Gateway G700 Media Gateway Media Modules for G3450, G450 & G700 Avaya BCM Avaya BCM 50 Avaya BCM50 Licenses Avaya BCM 450 Avaya BCM450 Licenses Avaya Media Bay Modules Avaya Definity PBX Definity PBX System Cards Avaya Definity Phones Avaya Partner ACS Partner ACS System Partner Voicemail Partner ACS Phones TransTalk 9040 Avaya Digital Phones 9500 Digital Phones 1400 Digital Phones 1416 DESI Plastics 6400 Digital Phones 5400 Digital Phones 4400 Digital Phones 2400 Digital Phones Avaya Cordless Phones Avaya Definity Conferencing Unit Avaya Digital DESI 1416 Plastic Overlays 1416 Paper DESI Cards Avaya IP Phones Avaya J100 IP Phones Avaya 9600 IP Phones Avaya 1600 IP Phones 1616 DESI Plastics Avaya 5600 IP Phones Avaya 4600 IP Phones Avaya 3700 IP Phones Avaya 3600 IP Phones Avaya Cordless IP Phones Avaya IP Phone DESI 1616 Plastic Overlays 1616 Paper DESI Cards Avaya Conference Phones B189 IP Conference Phone B179 SIP Conference Phone B169 Wireless Conference Phone B159 Conference Phone B149 Conference Phone Definity Conference Phone Avaya / Nortel Phones Avaya 1100 IP Phones Avaya 1200 IP Phones Avaya 2000 IP Phones 3900 Digital Phones 7000 Digital Phones 6100 WLAN Cordless NEC Phone Systems SV9100 Phone System SV8100 Phone System SV8100 System Cards SV8100 Parts List NEC VM8000 InMail NEC UM8000 Voice Mail SV8100 Brochures Case Studies NEC Phones DT300 Digital Phones DT400 Digital Phones DT700 IP Phones DT800 IP Phones NEC Phone Handsets NEC Handset Cords SV9100 UT880 Phone SV8100 DECT Cordless NEC SP30 Softphone NEC Applications SV9100 UC Suite UC For Business SV8100 UC Desktop Suite Mobile Extension Mitel IP Phones Mitel 7400 IP Phones Mitel 6800 SIP Phones Mitel 5500 IP Phones Mitel 5300 IP Phones Mitel 5200 IP Phones Mitel 4400 IP Phones Mitel Supersets Mitel 4000 Supersets Mitel PBX Systems SX-2000 Cards / Parts SX-200 Cards / Parts ShoreTel IP Systems ShoreTel Voice Switches UC User Applications Nortel Phones Nortel Norstar (T-Series) Nortel Norstar (M-Series) Norstar Cordless Phones Norstar Phone Parts Norstar Button Packs Nortel IP Phones Meridian 1 Phones Meridian Centrex Phones Avaya Phones Avaya Digital Phones Avaya IP Phones Avaya / Nortel Phones Avaya Partner Phones Avaya Definity Phones NEC Phones DT300 Digital Phones DT400 Digital Phones DT700 IP Phones DT800 IP Phones SV8100 DECT Handsets NEC SP30 Softphone Mitel Phones Mitel 7400 IP Phones Mitel Microsoft Lync IP Phones Mitel 6800 SIP Phones Mitel 5500 IP Phones Mitel 5300 IP Phones Mitel 5200 IP Phones Mitel 4400 IP Phones Mitel Supersets Aastra Centrex Phones Aastra Centrex Phones VoIP / SIP / IP Phones Avaya IP Phones Cisco IP Phones Mitel IP Phones NEC IP Phones Nortel IP Phones Polycom SIP Phones ShoreTel IP Phones VoIP Conference Phones Avaya IP Phones Avaya J100 IP Phones Avaya 9600 IP Phones Avaya 1600 IP Phones Avaya 5600 IP Phones Avaya 4600 IP Phones Avaya 3700 IP Phones Avaya 3600 IP Phones Avaya Cordless IP Phones NEC IP Phones DT800 Series IP Phones DT700 Series IP Phones Hosted IP-PBX Polycom IP-PBX Phones Nortel IP Phones Nortel 1100 VoIP Phones Nortel 1200 VoIP Phones Nortel IP i2000 (Phase 2) Nortel IP i2000 (Phase 1) Nortel 2033 IP Conference Phone Mitel IP Phones Mitel 7400 IP Phones Mitel MS Lync IP Phones Mitel 6800 SIP Phones Mitel 5500 IP Phones Mitel 5300 IP Phones Mitel 5200 IP Phones Mitel 4400 IP Phones Cisco SIP Phones 6900 IP Phones 7800 IP Phones 7900 IP Phones 8800 IP Phones 8900 IP Phones 9900 IP Phones SPA500 IP Phones SPA300 IP Phones IP Conference Phones Cisco Wireless IP Phones ShoreTel IP Phones 655 IP Phone 565G IP Phone 560G IP Phone Polycom SIP Phones SoundPoint IP 670 SoundPoint IP 650 SoundPoint IP 560 SoundPoint IP 550 SoundPoint IP 450 SoundPoint IP 335 SoundPoint IP 331 SoundPoint IP 321 Color Expansion Backlit Expansion Color Attendant Backlit Attendant IP Conference Phones SoundStation IP 5000 SoundStation IP 6000 SoundStation IP 7000 SoundStation Duo Konftel 300IP PC Speakerphone Skype Speakerphone VoIP Gateways Mediatrix VoIP Gateways ShoreTel Voice Switches Meeting Room Conference Phones SoundStation Duo SoundStation 2W SoundStation 2 SoundStation IP 5000 VoiceStation 300 VoiceStation 500 Norstar Audio Conferencing Unit Konftel 250 Konftel 300 Boardroom Conference Phones Polycom VTX 1000™ SoundStation 2W EX SoundStation IP 6000 SoundStation IP 7000 Konftel 300 Konftel 300M Avaya Definity Conferencing Unit Meridian Conferencing Unit
They didn't have the headset I ordered in stock (despite saying it was available) - They contacted me, apologised profusely and gave me an upgrade for the same price! I wish all companies behaved the same and gave as good customer service. Happy customer and will return! A+
On-Hold Messaging has proven benefits when it comes to phone call retention rates and in helping to upsell new products and services. Fewer Hangups Giving your callers something informative or entertaining to listen to keeps them on the line and avoids the dreaded hangs ups - which may result in the loss of a sale.
how to put a customer on hold in d365
how to write a message in skype for business
best business credit cards no personal guarantee required
