Loyalty Pawn's Three Balls Chronicle Volume 7 Issue 8

THREE BALLS CHRONICLE VOLUME 7 / ISSUE 8 August 2024

IN THIS ISSUE Letter from the President Letter from the General Manager Loyalty Pawn Family Security Awareness Store Manager Updates Golden 1 Center Events Monthly Sales

Team Loyalty!

We have added some great new events that are happening at the Golden 1 Center, if you haven’t gotten a chance to go, it is such a great benefit that we offer and a great time, so make sure to get those requests in! Thank you so much to everyone for all of their hard work and dedication that you guys put in everyday, we appreciate it!!

Monthly Birthstone Guide Monthly Birthdays and Anniversaries and New Hires Loyalty Pawn’s Core Goals, Values and Visions Employee Services Corner

Thank you!

President’s Letter Hello Loyalty Pawn Family, Another month of 2024 is behind us. School is starting soon; my youngest daughter, London, is starting high school unbelievably. I am getting old! The good thing is, is that I do not feel old. Lilly my middle daughter is turning 19 on the same day she is moving to Mississippi to attend the University of Mississippi (Ole Miss, Hotty Toddy). I hope that everyone with kids is prepared or getting prepared for your children going off to school. The Loyalty Pawn family has children of all ages, and this time of the year is exciting for the kids and us parents. I am all excited, worried, and ready to watch my girls mature and become young ladies.

What a phenomenal loan growth month another all-time high, well-done team.

We should be ready for another strong loan growth month or two. Back to school has typically been large growth month or two. As always, we need to focus on rollovers and sales to keep growing organically. Continue to loan aggressively on our “A” type goods and watch how much inventory we start accumulating on “C” type goods and loan accordingly. Keep up the amazing job and we will watch each of us and the company continue to do better.

Gratefully, Stan Lukowicz, III

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Letter from the General Manager Greetings Everyone, Another month blew by! Summer feels as though it is going by quickly. However, Summer also seems like it isn’t going by fast enough with the back-to-back 100+ degree heat. We are gearing up for back-to-school. Children going back to school will be right around the corner. We have an excellent promotion for August that should gain a lot of traction. The sale for August will be 30% off. This is a great time to highlight the aged product!

We were able to keep up a strong pace in July. Our loan growth for the month improved and we grew by over 220k. We serviced more clients than we did in July 2023. We continue to suspect that this demand for capital is because of the inflation we all feel. Even though we had a strong loan growth month, our retail sales compared to July 2023 stayed relatively flat. However, our buys for July across the board increased by 50% compared to July 2023. We anticipate August to continue the growth trend in both loans and purchases while seeing retail increase a minimum of 5%.

As always, we love to present the top salesman of the month. Dominic T. got first place, Ah X. 2nd place, and Matthew S. 3rd place. Many thanks to those who continue to push and challenge yourselves to be excellent! You continue to utilize the business tools from Layaways, follow-up binder, proper sales presentation, and Sales standards and the results begin to show in your performance. Thank you!

To conclude, we have purchased a couple gem lightbox pro. These cameras/ lightbox’s can take far better professional pictures of our inventory than we have used in the past. One of our goals is to obtain 1 per location to highlight our inventory better, as well as our current jewelry loans. We believe that when we get set up with mobile pawn, our clients will have access to view their active items via the Bravo mobile app. If our clients can look at their item with a picture that enhances the item, the client might be less likely to default on their item. This would be a win/win for the client and the company. We will have more to come regarding this and mobile pawn.

Sincerely, Wayne Silliman General Manager “Adaptability is about the powerful difference between adapting to cope and adapting to win. – Max Mckeown

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Loyalty Pawn Family Greetings, Loyalty Family!

Not only did we experience a sizzling July in terms of temperature, but our loan growth and buys were also on fire! While we faced some challenges in retail sales at certain locations, I want to take a moment to celebrate our successes. Congratulations to Team Roseville for surpassing their impressive 20% stretch goal roughly halfway through the month! A big shout-out also goes to Team Florin for exceeding their 5% goal—fantastic job, everyone! For Team El Camino and Broadway, we recognize that there’s still work to be done, but I believe in our potential to rise to the occasion. Speaking of Team El Camino, I’m thrilled to welcome back a familiar face: Stephanie Alfaro! The team is excited to have her back on board. After speaking with Tony, I know he will focus on teaching her about high-end luxury goods and high-end watches. We have plenty of inventory at each location, with even more on the way to fulfill your want lists. A huge thank you to John and Wayne for staying on top of our jewelry needs! We recently acquired a fantastic light box at the NPA, which will help showcase our jewelry at a higher level in our online presence. We’re truly excited about this! This month, we have all-new questions to help us get to know our Loyalty Family better, starting with John, the manager of the Broadway location. Let’s keep the momentum going!

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What helps keep you motivated? Striving to be the best What professional skills do you think everyone should have? A sense of urgency What professional skills would you like to master? Patients Who is the best pawnbroker you know, and what makes them the best? Kevin Peterson, the guy knows how to be in the right place at the right time 5. What do you consider yourself to be good at, and what could you improve? getting things accomplished 6. What is the best perk you have had at a job? the golden one arena 7. What is the most valuable career advice you've been given? Everyone is expendable so make yourself valuable 8. What can the company do to celebrate a success you've had? Send my wife and I on a cruise 9. What do you like about the pawn industry? you have the opportunity to learn and investigate and increase your knowledge about a wide array of things 10. What do you dislike about the industry? Sweaty boob money 11. What can the company change or improve to make it better to work here? Training for everyone 12. What's the last big challenge you've had, professionally or personally? the loss of a family member 13. Where do you see yourself in five years? I would like to be a regional manager.

14. What is something you would like to get better at in the pawn industry? watches 15. Have you checked something off your bucket list? What was it? not yet 16. If you could choose any celebrity to be your best friend, who would it be? John Wayne and come one its John Wayne 17. What are you looking forward to this year? Christmas 18. If you could be a professional in any sport, what would it be and why? Golf it would be amazing to get to play all the beautiful courses of the world 19. What do you value more: time off, making more money, or benefits? Making more money 20. What is a small thing that makes your job easier or better? Having a clean and clear workspace 21. What is the best work event you have attended? What made it so great? A Christmas party where we all got together to celebrate the years victory

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Security Awareness With the rise of loan balances, our clients are in greater need than ever before.

Unfortunately, as gold prices continue to skyrocket, criminals are becoming more desperate to strike. The 7-11 store located next door to El Camino has only been open for a few months, yet it has already fallen victim to three robberies, one of which occurred in broad daylight at gunpoint. In light of these incidents, it is imperative that we take every precaution to ensure our safety and security.

One of the key steps we can take is to conduct consistent inventory counts. This will help us identify any discrepancies or missing items, allowing us to promptly address any potential security breaches. Additionally, it is crucial that we always ask for identification when customers request to view jewelry. This simple yet effective measure can help deter criminals and ensure that we are dealing with legitimate individuals.

Furthermore, it is essential for all of us to become part of the jewelers' crime alert network.

This network provides valuable information, tips, and news about the industry, helping us stay informed and, most importantly, safe. By actively participating in this network, we can collectively work towards preventing and addressing security threats within our industry.

In conclusion, with the escalating need of our clients and the increasing value of gold, the risk of criminal activity is on the rise. To protect ourselves and our business, we must remain vigilant, conduct regular inventory checks, request identification from customers, and actively engage with the jewelers' crime alert network. By doing so, we can better ensure our safety and contribute to the overall security awareness of our industry.

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Shop Talk Manager Updates El Camino Greetings Loyalty Pawn Fam, I hope everyone had a fantastic July! Can you believe we’re already halfway through the year? Time flies when you're having fun or in our case, selling, buying, and gearing up for the holidays. Speaking of which, Christmas is only 4 months away! That means it’s time to kick things into high gear. We’ve got a shiny new goal of $66,000, but here at Team El Camino, we’re not just aiming to hit that target, we’re gunning for $70,000!

As we continue to fill up our buy room and lend out like there’s no tomorrow, let’s get serious about clearing out our current inventory. We’ve explored every platform under the sun to spread the word about our amazing deals. Now, let’s put that strategy to work and make this month a blockbuster!

Here’s to a fantastic August for everyone at Loyalty Pawn!

Tony Mora

Roseville Hi Team Loyalty I want to take a moment to express my deep appreciation for our incredible Roseville team Brittany, Dom, Danni, and Matthew. Your hard work and dedication truly shone through last month. We set a sales goal of $49,000 for July, and not only did we meet it, but we also surpassed it by an incredible margin, achieving $79,000 in sales! This is a testament to your commitment and teamwork. As we move into August, let's carry this momentum forward. We've proven what we can achieve when we work together, and I have no doubt that we can exceed our goals once again this month. Let's keep pushing, stay focused, and continue to crush it!

Thank you for all that you do, Justin Martinez

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Broadway Hello Team, As we approach the holiday season, it's the perfect time to strengthen our team spirit and uplift everyone's mood. Let's come together to foster a sense of unity and collaboration that extends beyond our daily tasks. By celebrating our collective achievements, recognizing individual contributions, and sharing moments of joy, we can create a supportive and positive atmosphere. Engaging in team-building activities, expressing gratitude, and setting aside time for informal interactions will help enhance our connection and enthusiasm. As we enter this festive season, let’s embrace the opportunity to build camaraderie and ensure that our workplace is not only productive but also a place where everyone feels valued and motivated.

John Mark

Florin Mall Hello Everyone, I hope everyone had a wonderful July! Team Florin set a sales target of $79k for the month, and I'm pleased to report that we exceeded it, reaching nearly $83k. As we approach the midpoint of the third quarter, our focus for August is to achieve a 20% sales goal. I’m actively reaching out and searching for qualified candidates to join Team Florin. Additionally, we are excited to announce that we have achieved a remarkable loan balance of $2 million, That is a significant milestone for us. Moving forward, I aim to reach $100k in layaway by the end of this month, which could translate to an extra $25k in pickups, assuming a 25% pickup rate and that will help us achieve our sales goal. We have a great sales for this month on all music instruments and laptops 30% off.

As Bruce Lee said, “Knowing is not enough; we must apply. Willing is not enough; we must do.” Let's strive for excellence!

Mark Xiong

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Top Performers in July 1st 2nd 3rd 4th 5th

Sales

Productivity

Phys Transactions

Dominic Tognolini (Roseville #3)

Ah Xiong (Florin #2)

David Palomares (Florin #2)

Ah Xiong (Florin #2)

David Palomares (Florin #2)

Dominic Tognolini (Roseville #3)

Matthew Stevens (Roseville #3)

Norma Bobadilla (El Camino #1)

Jon Thao (Florin #2)

Norma Bobadilla (El Camino #1)

Dominic Tognolini (Roseville #3)

Ah Xiong (Florin #2)

David Palomares (Florin #2)

Matthew Stevens (Roseville #3)

Norma Bobadilla (El Camino #1)

July End of Month Balances Loyalty Pawn #1 El Camino Loyalty Pawn #2 Florin Loyalty Pawn #3 Roseville Loyalty Pawn #4 Broadway

Loan Balance

Purchases

Layaway Balance

$1,849,809.00 $2,089,257.00 $1,281,296.00 $1,069,653.00

$39,730.00 $38,665.50 $35,025.00 $27,118.00

$66,541.03 $65,145.17 $61,579.35 $94,775.39

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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! The events in green are available and the events in red have already been spoken for. If you would like to request tickets send your 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 or you can ask your supervisor! 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!

Event

Day

Date

Monster Jam

August 16th

Friday

7:00 PM

Monster Jam

August 17th

Saturday

7:00 PM

Monster Jam

August 18th

Sunday

1:00 PM

Los Temerarios

August 23rd

Friday

8:00 PM

Los Temerarios

August 24th

Saturday

8:00 PM

21 Pilots

August 25th

Sunday

8:00 PM

Suicideboys

August 27th

Tuesday

6:30 PM

Kud Cudi - Cancelled

August 28th

Wednesday

8:00 PM

Peso Pluma

August 21st

Wednesday

8:00 PM

Grupo Firme

August 31st

Saturday

8:00 PM

Future & Metro Boomin

September 3rd

Tuesday

8:00 PM

Jelly Roll

September 4th

Wednesday

8:00 PM

Carin Leon

September 5th

Thursday

8:00 PM

Chayanne

September 6th

Friday

8:00 PM

Junior H

September 7th

Saturday

8:00 PM

Hozier (2 Tickers Left)

September 9th

Monday

8:00 PM

Ringling Bros. and Barnum & Bailey

September 13th

Friday

7:00 PM

Ringling Bros. and Barnum & Bailey

September 14th

Saturday

11:00 AM

Ringling Bros. and Barnum & Bailey

September 14th

Saturday

3:00 PM

Ringling Bros. and Barnum & Bailey

September 14th

Saturday

7:00 PM

Ringling Bros. and Barnum & Bailey

September 15th

Sunday

12:00 PM

Ringling Bros. and Barnum & Bailey

September 15th

Sunday

4:00 PM

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Time

WWE Smackdown (2 Tickets Left)

September 20th

Friday

4:45 PM

Kacey Musgraves

September 23rd

Monday

7:30 PM

Grupo Frontera

September 26th

Thursday

7:00 PM

Elevation Nights

September 27th

Friday

8:00 PM

Franco Escamilla

September 28th

Saturday

8:00 PM

Fuerza Regida

October 5th

Saturday

8:00 PM

Weezer

October 8th

Tuesday

8:00 PM

Jeff Lynne's ELO

October 23rd

Wednesday

7:00 PM

Disney On Ice Presents Mickey's Search Party

November 1st

Friday

7:00 PM

Disney On Ice Presents Mickey's Search Party

November 2nd

Saturday

11:00 AM

Disney On Ice Presents Mickey's Search Party

November 2nd

Saturday

3:00 PM

Disney On Ice Presents Mickey's Search Party

November 2nd

Saturday

7:00 PM

Disney On Ice Presents Mickey's Search Party

November 3rd

Sunday

11:00 AM

Disney On Ice Presents Mickey's Search Party

November 3rd

Sunday

3:00 PM

Disney On Ice Presents Mickey's Search Party

November 3rd

Sunday

7:00 PM

Keshi

November 9th

Saturday

8:00 PM

Zach Bryan

November 29th

Friday

8:00 PM

Zach Bryan

November 30th

Saturday

8:00 PM

Heart - Postponed New Date: TBD

December 9th

Monday

8:00 PM

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August Sales Flyer

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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

FEBRUARY -- Amethyst

MARCH – Aquamarine

APRIL – Diamond

MAY – Emerald

JUNE –Pearl & Alexandrite

JULY – Ruby

AUGUST – Peridot

SEPTEMBER – Sapphire

OCTOBER – Opal & Tourmaline

NOVEMBER – Citrine & Topaz

DECEMBER – Topaz & Turquoise

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Anniversaries, Birthdays and New Hires August Anniversaries Brittany Walker 9 years Paul Molina 6 years Tony Mora 4 years

August Birthdays David Palomares August 5th Dominic Morales August 21st Ah Xiong August 25th Justin Martinez August 29th

July New Hires We have no July new hires this month

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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

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Loyalty Pawn Employee Services Corner AUGUST… A Silly Poem by Spike Milligan Said Hamlet to Ophelia, I'll draw a sketch of thee, What kind of pencil shall I use?

2B or not 2B?

AUGUST CALENDAR OF NATIONAL EVENTS •

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• • • • • •

August 1, traditionally known as Lammas Day, was an old festival to mark the annual wheat and corn harvest. It was a sort of Thanksgiving (harvest time) in Britain. Lammas also marked the mid-point between the summer solstice and autumn equinox.

August 5 is also a Civic Holiday in many parts of Canada. Celebrations and names for this holiday vary across the country. For example, in Alberta, it’s celebrated as Heritage Day; in British Columbia, it’s known as British Columbia Day! August 10 is St. Lawrence’s Day. “Fair weather on St. Lawrence’s Day presages a fair autumn.”

August 11 marks the end of the Dog Days of Summer, which began on July 3.

August 17 is when the Cat Nights begin, harking back to a rather obscure Irish legend concerning witches; this bit of folklore also led to the idea that a cat has nine lives.

August 19 brings National Aviation Day, chosen for the birthday of Orville Wright who piloted the first recorded flight of a powered heavier-than-air machine in 1903.

August 24 is St. Bartholomew Day. “At St. Bartholomew, there comes cold dew.”

August 26 is Women’s Equality Day, which celebrates the 1920 ratification of the Nineteenth Amendment and, with it, women’s right to vote in the United States.

Here are some more fun things to celebrate in August: • • • • • • • • • •

Aug. 1–7: International Clown Week Aug. 3: National Watermelon Day Aug. 8: National Sneak Some Zucchini Onto Your Neighbor’s Porch Day Aug. 10: National S’mores Day Aug 12: Vinyl Record Day Aug. 13: International Left-Handers Day Aug. 20: International Geocaching Day Aug. 20: World Honeybee Day Aug. 25: Kiss-and-Make-Up Day Aug. 31: National Trail Mix Day

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August Full Moon August’s first full moon, the full Sturgeon Moon, reaches peak illumination on the night of Monday, August 19th. For the best view of the full Moon, look skyward that night! It’s also one of the four supermoons of 2024!

Blue Moon You’ll be able to see another full moon this month as well—and it’s going to be a doozy!

On Wednesday, August 30, there will be a Blue Moon, which will also be the BIGGEST supermoon of the year. Be sure to get out there and check it out!

August Moon Phases New Moon: August 4, 7:13 A.M. EDT First Quarter: August 12, 11:19 A.M. EDT Full Moon: August 19, 2:26 P.M. EDT Last Quarter: August 26, 5:26 A.M. EDT

AUGUST GARDENING 10 things to do in your Garden in August: • • • • • • • •

Divide Perennial Flowers. ...

Add Fall Color. ...

Replace Annual Flowers. ...

Repot Houseplants. ...

Wage War on Weeds. ...

Plant Perennials and Shrubs. ...

Water Evergreens. ...

Harvest Herbs.

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LOVE PEOPLE & COOK THEM TASTY FOOD! The Ambitious Kitchen has some amazing recipes to try this month! Check it out! https://www.ambitiouskitchen.com/ingredient/berry/

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!

When it comes to 401(k) plans, it's your money. But your boss and the government make the rules. Need more 401k investment info and advice? Contact our Investment Advisor, John Malhotra.

John S. Malhotra - Financial Services Representative CA Insurance License # 0K09207 1478 Stone Point Drive, Suite 390 Roseville, CA 95661 d (916) 607-9754 | f (844) 295-8527 e malhotra.john@principal.com w www.principal.com

Thank you for my subscription to the Old Farmer’s Almanac for inspirational quotes and the Ambitious Kitchen for this month’s Love People, Cook them Tasty Food content for LP’s Three Ball’s Chronicle this 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 17

Loyalty Pawn Corporate Office: 1708 Broadway Sacramento, Ca 95818

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