Loyalty Pawn's Three Balls Chronicle Volume 3 Issue 8

THREE BALLS CHRONICLE VOLUME 3 / ISSUE 8

August 2020

IN THIS ISSUE Letter from the President Letter from the General Manager Loyalty Pawn Family Store Manager Updates Golden 1 Center Events Upcoming Sales Upcoming Birthdays and Anniversaries and New Hires Top Performers in June Loyalty Pawn’s Core Goals, Values and Visions Employee Services Corner

Team Loyalty!!

Thank you to everyone, you guys are doing great with the new guidelines to remain open during COVID-19, so keep up the good work! Be sure to check out some of the new content that we have added about monthly birthstones and information about them so that we can expand our knowledge for customers about these precious stones.

We brought back a monthly sale for this month, so be sure to check that out. Also we have added a new way to look at the monthly newsletters electronically, it is an online newsletter site called Issuu, there is also an app. So be sure to check that out so you can share with friends and family! Keep doing an amazing job, Team Loyalty!!

Letter from the President Hello Loyalty Pawn Family, Are we tired of this pandemic yet? I know I am!! The good news is that we are strong as ever as a company. Our capital position is strong, our sales are strong, we have added resources for new product (which is flying out of the showcases) and gold and silver are on the rise and should continue to do so! We will come out of this pandemic strong and ready to grow our loan balances again. Which reminds me, congratulations to Team Elco and Team West Sac for ending up July with a higher loan balance then they started the month with. Yay!!! I am sure August will have better results for our loan balance then July so keep up the great work.

We are still moving forward with our Loyalty Luxe departments at El Camino and Roseville and are excited to bring more luxury goods to our clients and help our bottom line. With the drop in our loan balance we will need to increase our sales as our loan processing fees will drop due to the drop in our loan balance. I am certain that our loan balance will come back soon, and I believe it will come back fast which is all positive for our company. This is a nationwide industry issue and all the top operators throughout the nation have the same theory.

Please be safe for yourself, your families and our entire Loyalty Pawn Family clients and team members during these crazy times, that I hope will someday be over. Also, I would like to give a huge shoutout to all the families out there that need to go back to distance learning again soon, who would have thought we would be teachers.

Gratefully Stan Lukowicz

2

A Letter from the General Manager Greetings Everyone!

Many parts are moving in this machine! From all areas of the company, business is starting to pick up. As this is gradual, we are anticipating the next couple of months to be growth months for each location. The outside markets are also doing very funky things. As everyone has noticed, gold has increased exponentially in the last 45 days. Our continued white glove service is happening amidst all societal factors. We are continuing our path to greatness and we couldn’t do it without all of you!

As always, we enjoy highlighting the top salespeople for the month! The 1st place goes to Dominic T. sold $37,233.82, 2nd place Marcos Barragan sold $21,458.86 and 3rd place was Rahkell Howard who sold $18,951.16. A big congratulations to the top three salesman and saleswoman. It’s awesome to see some of the aged products move in these last few months. We are seeing increasing # in sales bonus’s each week. Keep up the great work teams!

Lately, we have had the opportunity to connect with other business professionals in the pawn world. We occasionally share ideas, best business practice and more. When speaking with these other pawnbrokers, we have developed a network in sharing best practices and speak about our struggles while highlighting our successes. We have been extremely fortunate to develop eager, motivated and engaged individuals who help share our vision, values and goals. Many other businesses still are wondering how we do, what we do? The foundation for Loyalty Pawn has been laid out clearly in our VVG. I have witnessed this on many accounts through engaged morning huddles, professional client communication and how I have observed on how we are treating one another. We all have much to be proud of. I hope everyone else feels the same way!

To conclude, normal business, economic and social rebound is inevitable. While all of us hang in there for the prospect of better news, and positive change, we are presented with new challenges. A challenge that hits home for everyone locally is the distance education that will be in place the start of the school year. Many parents will be scrambling with finding the right resources to help educate their children. Electronics such as tablets, Chromebooks and laptops will be a hot item in months to come.

We will do everything we can to help keep stock needed items and follow up with potential clients to help fulfill these needs. If there is any time to be creative, now is the time!

Sincerely, Wayne Silliman General Manager “When you had a taste of excellence, you can not go back to mediocrity”. -Maximillian Degenerez

3

Loyalty Pawn Family Greetings Loyalty Family, Another month down and I can’t believe how fast this year is passing us by. I’m very excited to see what August has in store for us. It seems like we have all been challenged this year but is really rewarding to see all of you that have been dedicated and continue to live our vision, values, and goals. You don’t know how many times I’m approached by our clients letting me know how grateful they are that we are still open and providing the same service we are known for. This month we are going to get to know Mike Xiong he is one of the team members from the Florin Mall location. Mike has been in the industry since December 2019 he enjoys learning new information about different product that he had no experience before in the past like jewelry and tools.

1.

2.

3.

4.

5.

6.

7.

8.

9.

10.

11.

12.

13.

14.

15.

16.

17.

18.

19.

20.

21.

22.

23.

24.

25.

Who is your hero and why? My wife is my hero because when I was really sick and at my lowest point in my life she never left and stood there by my side.

What is your favorite family vacation? I wouldn’t have a favorite family vacation because I never been on one.

What did you want to be when you were small? When I was small, I wanted to be a sniper in the military.

What is your favorite game or sport to watch and play? My favorite sport is football, I used to play on a flag football team.

What would you sing at karaoke night? I would sing a song called What Are Words.

Have you ever had a nickname? What is it? I don’t have a nickname.

Would you rather win the lottery or work at the perfect job? And why? I would rather work at a perfect job because people will start to hate you for winning the lottery and will try to cheat you.

Who would you want to be stranded with on a deserted island? I would want my wife because I know that she will always be there by my side no matter what happens.

If you could go back in time, what year would you travel to and why? If I can go back in time, I would go back to 2007 and follow my plan of going to the military.

How would your friends describe you? My friends describe me as funny, loyal and reliable.

What is the worst gift you have ever received? The worst gift I ever receive was a pencil from elementary school.

What are some of your hobbies? Some of my hobbies are fishing, hunting and collecting shoes.

If you were a super-hero, what powers would you have? If I was a super-hero, I would have super strength.

What would you do if you won the lottery? If I won the lottery I would buy a lot and build houses for my family members.

What is the tallest building you have been to the top of? The tallest building that I ever been on was Bank of America tower in Seattle, Washington.

What is your favorite holiday and why? My favorite holiday is Thanksgiving because it’s the only time I get to spend time with all my family members.

What is your favorite sports team? My favorite sports teams are the San Francisco 49ers and Giants.

What is one of your favorite movies? One of my favorite movies is Saving Private Ryan.

What three items would you take with you on a deserted island? Three things I would take with me to a deserted island is a gun, cloths and a blanket.

What was your favorite subject in school? My favorite subject in school was math.

What is the most unusual things you’ve ever eaten? The most unusual thing I ever eaten is cow tongue tacos.

Do you collect anything? I like to collect high end shoes like Jordan’s, Nike, and Adidas.

What three things do you think of the most each day? Three things I think about the most is what do I have to do to move up in position at work, second if I can buy a house one day the last thing is if one day I will have children.

On a scale from 1-10 how funny would you say you are? I think I’m a 7 when it comes to being funny.

Where do you see yourself in 6 months? I would like to see myself being able to move out on my own and possibility moving up in the company.

4

Shop Talk Manager Updates El Camino Team Loyalty, July was a pretty busy month for team El Camino. We are continuing to take advantage of this time to complete projects and go through every inch of this store. We have done everything from taking the display shelves apart to clean them all up to pressure washing and scrubbing the parking lot. We have also been working on a few other projects to improve the store which we’re excited to share with all of you when we are all complete. Lastly, we have been working with the team here to keep each other accountable and not let one person slip up. We have been training and helping each other be better since we know that as a team we are only as strong as our weakest link.

Javier Becerra

Florin Mall Hello Loyalty Pawn Family, I hope everyone had a great 4th of July. Wow I can’t believe we just ended our first month of 3rd quarter for 2020. Florin had an excellent month in July we sold just a little over $80k for last month and the whole team here is excited. We are also excited that we sold $20k more this year compare to what we did in July of 2019 at $60k. We are also excited with the new jewelry inventory that we have just received. Once we receive the new jewelry Team Florin sold an average about 8 jewelry pieces per day for the last week of July. Marcos Barragan just had a birthday last month on the 25th of July. Florin is still trying to hold on to $1.3 loan balance and we are trying to do what we can to increase that balance but properly qualifying our Loyalty Clients and trying to see if we can increase their loans. We are also doing our part in sterilizing and cleaning our counter 3 times per day.

Let’s go Team Loyalty for another awesome month in August and stay safe everyone.

“If you want to be successful, you must respect one rule: Never lie to yourself. “ Mark Xiong

Roseville Hello Team Loyalty, I hope you all and your families are staying safe. I want to give a shoutout to the Roseville team for the continued vigilance and dedication to the store and the safety of our customers. I know this has been a trying time for everyone and I greatly appreciate all the hard work and commitment shown from all the Loyalty team members. Thank you! I know that we have been experiencing a shortage of product coming out for sale and we are trying to find new and creative was to fill the store’s with merchandise. One thing that we have done at Roseville as we are cleaning and organizing the warehouse is finding product to sell. We have takin all the extra guitar and instrument gig bags and priced them and put them out for sale and they are selling. We also have taking all the extra excess cords and cables and priced them, and they are selling. Little items add up and are often an easy add-on to other sales. Be creative and you can make things happen!

5

FUN FACT: August has two birthstones: peridot and sardonyx. Peridot is among the oldest known gemstones and is green in color. Sardonyx, which is lesser-known, is a white- and brown-banded gemstone once believed to have mystical powers.

Justin Martinez

Broadway Hello Everyone, Welcome to the Loyalty Smack Down! Can you smell what Broadway is selling? This month's match up features Mr. Joshua Bonton and Mr. George Dozier! They are going head-to-head to win the title! Our loyal fans are gearing up in masks and gloves before entering the ring to go up against our one and only SLAs! Our SLAs can really hold their own! Look out for their 1, 2 punch! Layaways! Sales! Loans! We are putting up our championship belt to see who can come up with a more exciting update of their store. Do you accept our challenge? LET'S GET READYYYY TO RUMMBBBLEEEE! John Mark

West Sacramento Hello Team, I cannot believe we are in August already; how fast can this year go by. We welcome back Brandy, she was missed, and on her first week back she was #1 in sales in West Sac. Once again, a BIG thank you to team Florin for all the help you guys provide. Jennifer is doing great and becoming an asset to Team West Sac. Jason will be taking his vacation from August 1st to August 10th, He's going camping, I'm sure he will have a blast. I will be handling eBay and Pawnshop. Talking about eBay, everyone has improved on the product cleanliness and description, I do appreciate, that make posting faster. We got some new jewelry in, including QuinceaĂąeras rings, bracelets, and necklaces. Please visit our Facebook page so you can see a video (with over 1.3k view in 2 days) of some of Jewelry. We also will be working and rewiring the left side of the counter with LED lights.

Stay safe and wish all well.

Jose Velazquez

6

Golden 1 Center Upcoming Events

Due to the recent events, Coronavirus (COVID-19), all events, Kings Games and all events, have been cancelled at the Golden 1 Center. Once everything gets back to normal, we will continue to put events up that are available to request tickets for.

Hopefully it will be soon, Go Kings!!

7

Monthly Birthstones 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 next 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

JULY Rubies, the birthstone of July, are considered the king of gems and represent love, health and wisdom. It was believed wearing a fine red Ruby bestowed good fortune on its owner. A Ruby is the most valuable gemstone and its value increases based on its color and quality.

AUGUST Peridot, showcases a lime green color. It is one of the only gemstones that exist in only one single color. Peridot is unique in its legend; it is believed to instill power and influence upon the wearer, as well as bring magical powers and properties that protect against nightmares.

SEPTEMBER Sapphire, is the birthstone of September. The Sapphire can be found in almost every color including pink, yellow, green, etc but it is most desirable in its pure, rich blue color. In the Middle Ages, the gem was believed to protect those close to you from harm and also represented loyalty and trust.

8

August’s Upcoming Sales

9

Anniversaries, Birthdays and New Hires August Anniversaries Javier Becerra 14 years Marcos Barragan 11 years Travis Tobin 5 years Brittany Walker 5 years Paul Molina 2 years

August Birthdays

David Palomares August 5th Jose Velazquez August 9th Joseph Contreras August 17th Ah Xiong August 25th Justin Martinez August 29th

August New Hires We have no new hires this month!

10

TOP PERFORMERS IN MARCH Sales in Dollars 1st

Dominic Tognolini (Roseville #3)

Productivity in Dollars

Phys. Transactions Done

Paul Molina (Florin #2)

Paul Molina (Florin #2)

2nd Marcos Barragan (Florin #2)

Javier Becerra (El Camino #1)

David Palomares (Florin #2)

3rd

Rahkell Howard (El Camino #1)

Dominic Tognolini (Roseville #3)

Victor Godinez (Roseville #3)

4th

Lewis Ramsey (Roseville #3)

Victor Godinez (Roseville #3)

Ricardo Molina (El Camino #1)

5th

Joshua Bonton (Broadway #4)

David Palomares (Florin #2)

Dominic Tognolini (Roseville #3)

Loan/Buy/Layaway End of Month Balances Loan Balance

Buys Balance

Layaway Balance

Loyalty Pawn #1 El Camino

$818,318.00

$6,919.36

$50,561.29

Loyalty Pawn #2 Florin Mall

$1,303,680.00

$4,805.10

$52,973.26

Loyalty Pawn #3 Roseville

$760,824.00

$5,142.00

$54,517.38

Loyalty Pawn #4 Broadway

$726,027.00

$2,700.00

$47,949.53

Loyalty Pawn #5 West Sacramento

$283,844.00

$1,419.00

$31,463.35

11

Loyalty Pawn’s Goals, Values, and Visions “The Leader in Local Lending” 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

12

Loyalty Pawn Employee Services Corner Have fun with these strange celebrations!

• Aug. 1–7: International Clown Week • Aug. 8: National Sneak Zucchini on Your Neighbors’ Porch • Aug. 10: National S’mores Day • Aug 12: Vinyl Record Day • Aug. 13: International Left-Handers Day • Aug. 17: International Geocaching Day • Aug. 17: World Honeybee Day • Aug. 25: Kiss-and-Make-Up Day

Perseid Meteor Shower August is a wonderful month for star gazing! It’s the month of the Perseid meteor shower, which peaks between August 11 and 13. This year, they peak right around the last quarter Moon, which means that the Moon shouldn’t wash out too many of the “falling stars.”

August Moon Phases Full Moon: August 3, at 11:59 a.m. EDT Last Quarter: Aug. 11, at 12:45 p.m. EDT New Moon: Aug. 18, at 10:42 p.m. EDT First Quarter: Aug. 25, at 1:58 p.m. EDT AUGUST BIRTHSTONE August’s primary birthstone is peridot, which is said to symbolize strength and healing power, protecting its wearer from nightmares and evil, ensuring harmony and happiness. Babies born in August are lucky to be guarded by peridot’s good fortune.

CORONA VIRUS-COVID 19 California Update CDC: https://www.cdc.gov/coronavirus/2019-ncov/index.html Sac County: https://www.saccounty.net/COVID-19/Pages/default.aspx Interestingly enough, we are not out of the COVID 19 woods despite best efforts to reopen…Currently as of July 31, 2020 here are the most updated COV19 Stats-see updated CDC chart below.

Did you know? COVID-19 is caused by a coronavirus called SARSCoV-2. Older adults and people who have severe underlying medical conditions like heart or lung disease or diabetes seem to be at higher risk for developing more serious complications from COVID-19 illness.

13

HOW IT SPREADS- It is thought to spread mainly from person to person, mainly through respiratory droplets produced when an infected person coughs or sneezes. These droplets can land in the mouths or noses of people who are nearby or possibly be inhaled into the lungs.

Its spread is more likely when people are in close contact with one another (within about 6 feet). It may be possible that a person can get COVID-19 by touching a surface or object that has the virus on it and then touching their own mouth, nose, or possibly their eyes. This is not thought to be the main way the virus spreads, but we are still learning more about this virus. The virus that causes COVID-19 is spreading very easily and sustainably between people. Information from the ongoing COVID-19 pandemic suggests that this virus is spreading more quickly than influenza.

If you have questions about COVID-19 and need assistance finding information online or clarification regarding the information, a statewide hotline number is available 8 a.m. – 5 p.m., 7 days a week at (833) 544-2374.

Testing in California Twenty-five public health labs in California are testing samples for COVID-19. Types of tests Two kinds of tests are available for COVID-19: Tests for current COVID-19 infection (also known as viral PCR tests) and tests for past infection (also known as antibody or serology tests). California’s communitybased testing sites by Verily’s Project Baseline and OptumServe provide viral tests to determine if individuals have COVID-19.

Antibody tests detect past infections (but not current infections). They are used to detect past COVID-19 infections in an individual and can be used to determine if you are a good candidate to donate blood plasma. It can take 1-3 weeks after infection for your body to make antibodies.

You can find locations for both viral and antibody tests https://covid19.ca.gov/testing-and-treatment/#top Cost for testing…There are no out-of-pocket costs for testing. If you have medical insurance, Verily or OptumServe will bill your insurance company. If you are uninsured, your viral test is paid for by the government.

Who can get tested? Testing is prioritized for individuals who are at high risk, including hospitalized patients, healthcare workers, first responders and essential workers, people with symptoms, residents and employees in group living facilities and people who may have been exposed in high-risk situations. As testing capacity continues to increase statewide, local health officers can expand testing within their communities.

How you can get testedàCalifornia has partnered with Verily and OptumServe to provide free, confidential testing statewide. The state’s testing program ensures that every county has enough testing capacity, and that tests are available for underserved communities and individuals who are at high risk of contracting COVID-19 or becoming seriously ill from the virus.

Register with LHI to get tested—hereà https://lhi.care/covidtesting Enjoy the month of August filled with all kinds of cool and kooky celebrations, good health prevention practices, and personal celebrations! Be safe! Remember, 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 or by email: employeeservices@loyaltypawn.com

14

15

Loyalty Pawn Corporate Office: 1708 Broadway Sacramento, Ca 95818

16