Loyalty Pawn's Three Balls Chronicle Volume 6 Issue 4

THREE BALLS CHRONICLE

VOLUME 6 / ISSUE 4

April 2023

IN THIS ISSUE

Letter from the President

Letter from the General Manager

Loyalty Pawn Family

Store Manager Updates

Golden 1 Center Events

Upcoming Sales

Monthly Birthstone Guide

Upcoming Birthdays and Anniversaries and New Hires

Loyalty Pawn’s Core Goals, Values and Visions

Employee Services Corner

Team Loyalty!

Happy Easter!! We are at the end of the first quarter and everyone has been doing such a great job. Easter is Sunday April 9th and we hope that everyone has a great Easter spending it with their friends and families! We have added some new events that are available so be sure to check that out starting on page 8, we no longer have any Kings games, but we have many other events for you and your families to enjoy, so be sure to get your requests in. And don’t forget to share our electronic newsletter with your friends and families on the Issuu App. Keep doing an amazing job Team Loyalty!!

President’s Letter

Hello Team Loyalty,

Now that the first quarter is in the books, we can start to focus on the second and third quarters. I feel that we will all be about LOANS. Tax returns will be over, and our clients will no longer have any free government extras coming in. We do need to do our best to keep up with sales as that is where the capital comes from to support our loan growth. Summer is around the corner and with that typically comes higher gas prices, families wanting a vacation and therefore less expendable income. As I stated earlier the loans are coming! A few areas we can focus on are push rollovers, text, and communicate with our clients, watch our aged inventory (Deal of The Day sales), and push our layaway program. The layaway program will be huge as that creates residual monthly revenue if we can get our clients into the store make monthly payments and create another opportunity. We are also working towards more online opportunities for sales and loan/ rollover transactions, while that works great as an added benefit for our clients and easier for them to pay on their loans or layaways it does take away the instore client engagement and making it easier for our clients, especially with today's technology, is the way of the future.

CAPA (California Pawnbrokers Association) is having their annual spring conference and I am looking forward to seeing some of our team there to have some fun and bring home some great takeaways to add to the company's value. You will also be able to see me do some public speaking, which I am not particularly good at, so you may get a good laugh or two, at my expense. If you are attending this will be a fantastic opportunity for you to meet several other pawnbrokers and pawnshop vendors, this can be where you can gain the most information and create long lasting friendships.

Now for the fun part! Go Kings, Light the Beam! I know many of our Loyalty Pawn family has had the experience to attend the Golden One Areana and watch our Sacramento Kings once again make it to the NBA playoffs for the first time since 2006 in the company suite. I truly hope you have enjoyed your experiences there with friends and family not only for the Kings games but any other events. Remember we will continue to enjoy this benefit for the next several years, please take advantage. Have an incredibly Happy Easter to you and your families and be sure to cheer on the Sacramento Kings in their remaining few games and into the playoffs.

Gratefully,

Stan Lukowicz, III

Letter from the General Manager

Hello Everyone,

March is in the rearview mirror. That quarter flew by fast! As of April 1, all stores will be open on Sundays. This brings back a norm in our operations. Roseville will be the last to open and we are excited to get all the locations on track again. We are seeing more applicants and are optimistic about rebuilding our teams to function properly. During March, we saw an influx of tax money. This presented itself in redeems and replacement loans. We have seen more items sell but did not see an increase in gross sales compared to 2022. The top salesperson for March 2023 was Dominic T 1st Place. Second place goes to Norma B. and 3rd place goes to Danni R. Awesome work, team! Also, the top 3 salesperson for quarter 1 was Dominic who got 1st place, Norma 2nd place, and Danni 3rd place. For qtr. 2, Dominic, Norma, and Danny qualify for the higher weekly bonus percentage once they hit the minimum of $2,000.00. Once asked, this team will let you know that our layaway program works!

Spring is here & Summer is right around the corner. Now is the time to do spring cleaning and move that “B” & “C” grade merchandise. Each store has some inventory that is less than eye-appealing merchandise. Let us be active in moving those items as we go into months when we will naturally start to grow. We will accept reasonable offers on products. Please consult your management team if you have any questions.

To conclude, we have been closely monitoring the market and have a close eye on the economy. We feel there will be an opportunity to maximize more of our loan book as banking uncertainty remains prevalent. Both gold and silver are spiking up, presumably because of poor monetary policy. With inflation, increased interest rates, and prices of groceries and utilities, families are trying to figure out how to make do with less in a world where everything costs more. We are compassionate and eager to help our clients find a solution to their short-term financial problems. We have been and currently are offering 1% interest loan for the first 30 days of their loan contract. Let’s remind our clients that this is advantageous for them in their time of need.

Sincerely,

Wayne Silliman General Manager

“Your success in life isn’t based on your ability to simply change. It is based on your ability to change faster than your competition, customers and business.” -Mark Sanborn

Loyalty Pawn Family

Greetings Loyalty Family,

April is upon us, but it doesn’t look like we are done with this rain. It seems like California is not the only thing getting out of a drought the Sacramento Kings losing streak has done a pretty good turn around. I know you have all now heard the expression “Light the Beam!” I’m personally not a Kings fan but oh boy what an exciting time it is to be in this city and see them play. It amazes me how fast this year is cursing by we’ve already put the first quarter of the year behind us and it’s important to reflect, reanalyze and prepare for Q2. This month we will be going to CAPA’s spring convention where we get to associate with fellow California Pawn Brokers where we network and stay relevant with what’s going on in our industry. This month we are going to get to know one of the newest team members of the Broadway team Jonathan Sinatra.

1. What’s your favorite way to spend a day off? Playing video games and spending time with my fiancé.

2. Where’s the next place on your travel bucket list and why? ITALY, IT IS WHERE MY FAMILY IS FROM.

3. What was your favorite age growing up? 18

4. Do you have a favorite holiday? Why or why not? No, I don’t celebrate holidays.

5. What was the last thing you read? THIS QUESTIONARE

6. What was the last TV show you binge-watched? POKERFACE

7. Are you into podcasts or do you only listen to music? YES, I LISTEN TO MUSIC AND RARLEY LISTEN TO PODCAST

8. What's one thing that can instantly make your day better? GOING HOME EARLY

9. What’s one goal you have for this year personally and professionally? I WANT TO SAVE UP FOR A DOWN PAYMENT ON A HOUSE.

10.Ideally, how would you spend your birthday? AT HOME WITH MY FIANCE.

11.What's your favorite board game? DND

12.What’s the best way the company can celebrate you and your team for success? FOOD

13.What causes are you passionate about? HUAMN RIGHTS

14.What’s an essential part of your daily routine? CAFFINE IN THE MORNING

15.Who or what inspires you in your career? MY COWORKERS

16.What’s something an outsider wouldn’t know about your industry? NOT EVERYTHING HAS VALUE

17.What’s the career highlight you’re most proud of? Learning a bunch of new stuff.

18.Do you believe in having a "five-year plan"? Yes, it is always good to plan ahead.

19.What’s the best piece of advice a family member has given you? Stick it through no matter how hard it gets.

20.What is your definition of success? SUCCESS IS WHEN YOU AHIVE THE TASK YOU ARE GIVEN EITHER GIVEN TO YOUR SELF OR GIVEN BY OTHERS.

Shop Talk Manager Updates

El Camino

Team Loyalty,

Hope everyone had a great month of March! Finally, we get a break from the weather, and we can enjoy the sunshine. We continue to build our loan balance at 1.5 and climbing as well our monthly sales. Team El Camino came in at 67,902.94 beating Florin finally and fingers crossed we will beat them again. With the growing balance of 93k in layaways we surely need to make that grow to 100k plus so we could always collect that 10% in light of our new sale "we pay the tax" we expect to close deals this month. Other than spring cleaning and the Sacramento Kings making the playoff we are ready to rock the month of April. Happy Easter Everyone!

Cheers, Tony Mora

Roseville

Hello Team Loyalty,

Welcome to the new quarter, Loyalty Pawn family! I hope everyone is off to a great start in this fresh chapter of the year. I want to give a big shoutout to Matthew, our newest team member who has been doing an exceptional job since joining us. His dedication and hard work have already made a positive impact on our operations and the Roseville Team. I also want to give a huge congratulations to Dom and Danni, they continue to be in the top 3 SLA’s in sales for the company. Great job Dom and Danni, I’m very proud of you both. In addition, we're thrilled to announce that we're now open on Sundays! This change allows us to better serve our valued customers and provides more convenience for all. Thank you for your continued hard work, and we look forward to a successful quarter ahead!

Justin

Martinez

Broadway

Hello Team,

Broadway is sold out of tv’s and game systems which is amazing. Having put so many great items down on layaway in hopes for some great Christmas gifts in the near future. the team here took full advantage of the previous sale and are looking forward to the next upcoming one. We are happy to welcome our new team member Elijah who is excited and eager to learn. We are also having to say goodbye to Quincy who is heading north to fulfill her dreams and getting the chance to join the family business. John and Kirby have been busy cleaning and pricing jewelry to get out to all the stores, with the intention of getting that last bit of tax money. Overall Broadway is falling into a well running machine.

John

Mark

Florin Mall

Loyalty Pawn Families,

I hope everyone had a wonderful March. Boy, it was a challenge to try and catch up to El Camino in sales. Congratulations Team El Camino and thanks for the challenger. Florin had a rough start in sales but we were able to climb up and take 2nd place in sales. We had to put some tricks out of our hat to make it possible. The key point to staying on top is to maintain those layaways and secure new ones. Team Florin will surely take first place for the month of April. As we all know easter is here and we are excited to all the little ones come in with their spring outfit. Team Florin is still holding a strong $ 1.6 million loan balance. Top sales for team Florin is me at $16k followed by Paul at $12k then David at almost $10k, Ah at $8.3k, Steph at $7.3k, and John at $4.5k. Team Florin has some work to do to climb up to top sales but that has never discouraged us. We are always up for the challenge. Team Florin is going to set another goal of $85k for the month of April. We are still seeing some of that tax money coming in and we are going to try a capitalize on it. Let’s push for a great month and an awesome start to the second quarter.

Mark Xiong

Top Performers in March

March End of Month Balances

Golden 1 Center Upcoming Events

Below is the list of events that are posted as of right now and we will be adding events to this list each month as they get posted! If you would like to request tickets send you ticket request forms to lauren.l@loyaltypawn.com so that I can get your requests in and if you need a request form email lauren.l@loyaltypawn.com and I can send you a copy! With the Golden 1 Center opening back up there is a limited number of tickets available, so for every event you are only allowed to request and receive 4 tickets per event!

April Sales Flyer

Monthly Birthstone Guide

This will help educate you about some of the more popular semi and precious stones we come across and it will also help you close some more sales. The idea is to educate you on each month’s birthstone as you can arrange your cases properly and make suggestions to our clients that may be browsing or even looking for a gift. Let’s think outside the box when utilizing this information.

JANUARY – Garnet

MARCH – Aquamarine

FEBRUARY Amethyst

MAY – Emerald

APRIL – Diamond

JUNE –Pearl & Alexandrite

JULY – Ruby

AUGUST – Peridot

SEPTEMBER – Sapphire

OCTOBER – Opal & Tourmaline

NOVEMBER – Citrine & Topaz

DECEMBER – Topaz & Turquoise

Anniversaries, Birthdays and New Hires

April Anniversaries

Mark Xiong 11 years

April Birthdays

We have no birthdays this month!

March New Hires

We have no new hires this month.

Loyalty Pawn’s Goals, Values, and Visions

Company Wide Goals

• To Offer Immediate Relief with a Short-Term Loan.

• To Develop, Recruit and Inspire an Elite Work Force, Driven by Loyal Business Practices.

• To Provide the Highest Standard of Quality, Commitment and Value to Every Customer in Our Loyalty Pawn Family!

Core Values

• Loyalty

• Dedication

• Creativity

Company Vision

• Loyal People Committed to Everyday Satisfaction

“The Leader in Local Lending”

Loyalty Pawn Employee Services Corner

April cold with dripping rain Willows and lilacs brings again, The whistle of returning birds, And trumpet-lowing of the herds.

–Ralph Waldo Emerson (1803–82)

APRIL…MORE THAN JUST THE 4TH MONTH OF THE CALENDAR YEAR!

April is the fourth month of the year and is known for its beautiful spring weather, blooming flowers, and Easter celebrations. However, there is much more to this month thanmeets theeye.Infact, thereareplenty ofinteresting andsurprisingthings that make April unique.

April is National Poetry Month in the United States, established by the Academy of American Poets in 1996.

It aims to increase awareness and appreciation of poetry, with events and activities held throughout the month. National Poetry Month has become a global celebration of the art of poetry in April each year.

National Poetry Month- April!! Who knew?

Who started it?

Gift of Gladness

Happy birthday, Sister April, Simple hello causes much mirth; Sweet smile brings a thousand thrill, Giving gladness to life on earth.

~Bernard F Asuncion

DID YOU KNOW?

Inspired by the successful celebrations of Black History Month (February) and Women's History Month (March), the Academy of American Poets established National Poetry Month in 1996. Along the way the organization enlisted a variety of government agencies and officials, educational leaders, publishers, sponsors, poets, and arts organizations to help. National Poetry Month is a registered trademark of the Academy of American Poets. Why was April chosen for National Poetry Month? In coordination with poets, booksellers, librarians, and teachers, the Academy of American Poets chose a month when poetry could be celebrated with the highest level of participation. April seemed the best time within the year to turn attention toward the art of poetry, in an ultimate effort to encourage poetry readership year-round.

• April was the second month in an early Roman calendar but became the fourth when the ancient Romans started using January as the first month.

• April is named for the Greek goddess of love, Aphrodite.

• The name for the month of April originally came for Aprilis which means to open.

• Small animals that hibernate usually coming out of their burrows in April. The birds fly back northward and settle down to have their families. The bees and butterflies begin to gather nectar from the first flowers of the season.

• In some parts of the world, it is planting time, while in other parts, it is the harvest season.

• April is Humor Month, so laugh it up!

• The birthstone for April is the diamond.

• The zodiac signs are Aries (March 21 – April 19) and Taurus (April 20-May 20).

• The birth flowers for the month of April are the sweet pea and the daisy.

• America’s first astronauts were announced by NASA on April 9, 1959.

• The first Webster Dictionary was copyrighted by Noah Webster on April 14, 1828.

• The Titanic sank on April 15, 1912.

• The Revolutionary War in America began on April 19, 1775.

• The United States Library of Congress was established April 24, 1800.

• Our first President George Washington was inaugurated on April 30, 1789.

Special Days in April:

• The first day of April is April Fool’s Day, when children and grown-ups play jokes on one another.

• April 22 is Earth Day.

• April 2 is Light It Up Blue for Autism Day and the whole month is Autism Awareness Month.

• Arbor Day is a day for planting trees, and it is observed on various April days.

• The Jewish festival of Pescah, or Passover, is celebrated early in April.

• April 9 Easter is almost always in April, and, with it comes other Christian celebrations such as Palm Sunday, Maundy Thursday, and Good Friday.

• April is also the month of the Thai New Year in Thailand and the Khmer New Year in Cambodia.

April Astronomy

The Pink Moon

The April Full Moon will officially take place at 12:34 A.M. EDT (ABC). The April Full Moon is often called the Pink Moon, named after the herb moss pink, which is one of the earliest wildflowers of the spring season (NASA)

Venture outside on the night of Wednesday, April 5, to catch a glimpse of April’s full Pink Moon. This full Moon actually reaches peak illumination at 12:37 A.M. Eastern Time on Thursday, April 6, which means that it will be at its peak on the night of April 5 in more westerly time zones.

Why Is It Called the Pink Moon?

The full Moon names used by The Old Farmer’s Almanac come from a number of places, including Native American, Colonial American, and European sources. Traditionally, each full Moon name was applied to the entire lunar month in which it occurred, not only to the full Moon.

April Recipe. Pie, Pie, Me Oh My!

Strawberry Lattice Rhubarb Pie. Lattice-topped rhubarb pie is often welcomed as the first fruit pie of spring. Here is a straight-up rhubarb pie recipe without strawberries, raspberries, or any other fruit especially for those who simply want that pure tart rhubarb flavor to come through strong!

https://www.almanac.com/recipe/rhubarb-pie-lattice-crust

How to Make a Lattice Pie Crust- so scrummy!

https://www.almanac.com/video/how-make-lattice-pie-crust

401K-Loyalty Pawn Retirement $avings Program

Are you saving for retirement? Why not start today?

If you have completed 12 months of service with Loyalty Pawn, you’re eligible to participate and start putting away those pretax (or post tax Roth) dollars into your very own 401k account.

To enroll, send me an email and I’ll help you get started. Contact Employee Services at employeeservices@loyaltypawn.com Start saving for retirement’s tomorrow, today!

Shout Out→Thank you to my subscription to the Old Farmer’s Almanac for inspirational quotes and content for LP’s Three Ball’s Chronicle each month.

If you need HR, Payroll, Benefits, or Family support, Loyalty Pawn’s Employee Services is only a phone call, text message, or email away, on demand, anytime! 916-752-2255

employeeservices@loyaltypawn.com

2023 Loyalty Pawn March Madness

Bracket Competition Winners

1st Place: Javier Becerra 35 games correct

2nd Place: Ramsey Lewis 33 games correct

3rd Place: Wayne Silliman 30 games correct

4th Place: Mark Xiong 27 games correct

5th Place: Jason Wagner 26 games correct

6th Place: Tony Mora & John March 24 games correct

1st Place Prize: $100 Lottery Tickets and a $500 store credit to any Loyalty Pawn location

2nd Place Prize: $75 Lottery Tickets and a $250 store credit to any Loyalty Pawn location

3rd Place Prize: $50 Lottery Tickets and a $100 store credit to any Loyalty Pawn location

Congratulations to the winners and everyone that played!

Loyalty Pawn

Corporate Office: 1708 Broadway

Sacramento, Ca 95818