Loyalty Pawn's Three Balls Chronicle Volume 3 Issue 12

THREE BALLS CHRONICLE VOLUME 3 / ISSUE 12

December 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 Novemver Loyalty Pawn’s Core Goals, Values and Visions Employee Services Corner

Team Loyalty!!

We cannot believe that it is December already and it has been a crazy year for everyone and hope that 2021 isn’t as crazy. Christmas Day is December 25th and is a Friday this year and we hope that everyone is able to spend time and have a wonderful day with their friends and family this holiday season! Thank you to everyone for all of the hard work that everyone puts in everyday! You guys are doing great with the new guidelines to remain open during COVID-19, so keep up the good work! 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 and let’s make 2021 amazing!!

Letter from the President Happy Holidays Team Loyalty, I first would like to say that I hope all of our Loyalty Family had a great Thanksgiving and a great start to this crazy holiday season. Secondly, Merry Christmas to all of our Loyalty Pawn Family and each of your entire family. This has been a very trying year and I do hope that this holiday season is the best part of this year. Please be safe but also enjoy this holiday season.

A huge shoutout to Javier and Team Elco for the tremendous job they did with the expansion of Loyalty Luxury. If you have not had a chance to see you should go by and check it out, it looks amazing!! There was a lot of help by many of our team members and for that I want to say Thank You to everyone.

Now on to the work. November was a terrible sales month. We have the jewelry product and are now starting to pick up more general merchandise product at each location and we need to focus on Christmas sales. We can go back to the basics and work the call back binders, we can create text blasts and make those layaway calls. So, let’s work on sales this month we need to end this year with a strong sales month. Enough about sales. Congratulations to every store for the excellent loan growth, we are starting to see our loan balance grow again, which is what we are in business for so keep up the great work there.

In closing have a great Christmas season, safe and filled with joy and as much family time as you can. I know that we at times we ask a lot from all of you but we do want for every member of the Loyalty Family to enjoy this holiday season and look forward to ending this crazy 2020 year and bring in 2021 with a bang and much hope for something back to normal!!!

Merry Christmas, Stan Lukowicz, III

A Letter from the General Manager Season’s Greetings Everyone!

We are almost there! December is right around the corner and this year will certainly be one to remember (or forget). It is amazing to see what we have accomplished with the weight on our shoulders. We saw the redeem wave, then the sales wave and now, we are seeing the loan growth wave. I hope the next large wave will be waving Covid19 goodbye!

As always, we like to get down to the nuts and bolts of our sales for the month.

Overall, the company had a soft November in sales. November was something we looked forward to help prime the sales for December. We were also surprised to see such a soft Black Friday week. However, we always like to mention the sales leaders for the month. In November, Dominic was first place selling $22,698. Second place goes to Joshua Bonton who sold $15,041 and third place goes to Joseph Contreras who sold $14,414.85. Great work gentlemen.

If you have not seen the luxury department at El Camino, please drop by and check it out. This was a tremendous project help lead by Javier and Tony. Many hands helped with this project and we were able to successfully launch the opening on Black Friday. The idea of offering more luxury goods is a fantastic change to the El Camino location. We believe that offering this will showcase the value of our goods in a more positive light while being able to properly merchandise the jewelry and goods. This is a fantastic opportunity for us to maximize our product and value. We are looking forward to the growth opportunity at El Camino.

To conclude, we can’t thank our teams enough for their continued hard work and dedication. We are very thankful to have each one of you working diligently to provide the highest standard of quality, commitment and value. Let’s end December Loyalty Strong!

Sincerely, Wayne Silliman General Manager “It is literally true that you can succeed best and quickest by helping someone else succeed.

–Napolean Hill

Loyalty Pawn Family Happy holidays Loyalty family, First things first I would just like to wish everybody a happy holiday and a happy new year. Although this year has been a challenging one it is great that we can finally see some of our accomplishments throughout this year. As you all have probably seen in pictures, social media and some of you have even visited Loyalty lux is finally open. I would like to thank everybody who had a hand in making this accomplishment happen I know it was A lot of hard work but it’s amazing what we can all accomplish when we stick to our core values. I must say it turned out better than I even expected, and I am proud of the results.

We have been getting many great compliments about the look and feel with people even saying that it looks better than jewelry stores at the mall. Loyalty Lux El Camino is done and now it is time to switch gears into 2021 and get the Roseville Loyalty Lux open. This month we are going to get to know Mr. Paul Molina who is an SLA at the florin mall location.

1. Who is your hero and why? I would say my parents for their dedication and care in raising me and my siblings. For always providing us with what we need both emotional and economical.

2. What is your favorite family vacation? Whenever we have the chance to go to Mexico is honestly my favorite.

I enjoy spending time with the family out there. Just the opportunity to enjoy my native country is great.

3. What did you want to be when you were small? I have always wanted to be the owner of my favorite soccer team AC Milan.

4. What is your favorite game or sport to watch and play? Futbol is my favorite sport second would be baseball.

5. What would you sing at karaoke night? Any arctic monkey’s song 6. Have you ever had a nickname? What is it? “Raul”, “El Pollo”and “Eddy” 7. Would you rather win the lottery or work at the perfect job? And why? Depending on the amount for lottery only because my plan is to buy my favorite sports team and have enough to invest for its future and mine.

8. Who would you want to be stranded with on a deserted island? My significant other 9. If you could go back in time, what year would you travel to and why? Mid 1960’s more than anything for the styles of both the cars and the clothing classic cars.

10. How would your friends describe you? Direct and too honest 11. What is the worst gift you have ever received? When I was around 11 years old in Christmas my brother gave me a Disney Christmas sweater pretty sure I burned it.

12. What are some of your hobbies? Cooking, Binge watching tv series, playing and watching soccer.

13. If you were a super-hero, what powers would you have? Immortality, regeneration and super intelligence 14. What would you do if you won the lottery? Purchase a business or franchise that can constantly provide financial and economic support to my entire family.

15. What is the tallest building you have been to the top of? Not good with heights so I try to avoid them.

16. What is your favorite holiday and why? Christmas good reasons to go to Mexico for a couple days.

17. What is your favorite sports team? Futbol and baseball 18. What is one of your favorite movies? “Waiting’ 19. What three items would you take with you on a deserted island? A knife, solar power flashlight and matches 20. What was your favorite subject in school? MATH 21. What are the most unusual things you have ever eaten? Cow brain or their eyes in tacos 22. Do you collect anything? Watches and batman comics 23. What three things do you think of the most each day? Shower, eat and sleeping 24. On a scale from 1-10 how funny would you say you are? What number defines mediocre? Let us go with “1” 25. Where do you see yourself in 6 months? Probably a higher position in the same job or living in Mexico.

Shop Talk Manager Updates El Camino Team Loyalty, Congratulation you made it to December, level 12 in Jumanji. Hope everyone is still staying safe and healthy. Let us talk about the whirlwind of loans we have been writing I am stoked that we hit our goal as a team of 1 million plus on our loan balance, level up. As we continued through the jungle of November, I hope everyone had a great Thanksgiving with family or friends or even pets. We decided to do a soft opening for Loyalty Luxury after long hours also can’t thank everyone enough who helped out. Black Friday was a challenge but got it done. We did have a lot of ouuuus and ahhhhhhhs also layaways!! I encourage everyone to swing by and take a peek. So as the month continues of December, we are ready for the stampede of sales with Lux opened. We are a small team but a team of leaders that I have faith in. Wish everyone a great sales month and Merry Merry Christmas and a prosperous New Year! Cheers Tony Mora

Florin Mall Hello Loyalty Pawn Family, Wow, I can’t believe we are coming into the last month of 2020. What a crazy year this have been. Florin ended with almost $50k in sales. We have been seeing a big rush in loans coming in. Florin qualifying and re-evaluating every item that is coming in to maximize our loan balance. We had a goal for $1.5mil in loan balance we missed it by $16k.

We will hit it and pass that this month in December. We also want to congratulate Mike Xiong with his first year here with Loyalty Pawn Family. He has been improving and striving with positive energy to improve his sales and performance every day. Well Christmas is here; we are in a festive mood and pushing for Christmas sales. Let's end this year with strong. Team Florin wants to wish everyone a Merry Christmas to all and a Happy New Year. Stay safe.

Mark Xiong

Roseville Hello Team Loyalty, We did it!! We made it through 2020 and you should all be very proud and wear 2020 as a badge of accomplishment.

As a team we worked through one of the craziest times in modern history with courage and commitment. I am so grateful of all of you and your dedicated hard work. We truly are an elite work force driven by loyal business practices. Now let’s put 2020 in the review view mirror and push towards 2021 with excitement and hope that the new year will be so much better then 2020. Let’s look forward to things getting back to normal and getting past this virus. As a team Loyalty Pawn can achieve anything we set out to do and the new year is going to be our year.

Fun Fact: December was originally the 10th month of the Roman calendar and the word December comes from the Latin word decem meaning the word ten.

Justin Martinez

Broadway Hello Everyone, BREAKING NEWS AT 1708 BROADWAY! We go live to John the manager. Loyalty customers! Prepare your stretchy pants... It's turkey time!! As you gear up for that delicious dinner, we want to remind you loyalty pawn can save you money with our great deals. So, go ahead and buy some more for that special someone or your nice kids.

Even though we will be closed on Thanksgiving, we will be here bright and early the next day for all your shopping needs. Tell us the best part of your Thanksgiving dinner and we will tell you ours! At loyalty pawn you are family!

Here are some of what our Broadway employees are thankful for: Josh is grateful for hitting 23 weeks straight sale bonus. George is grateful for our amazing team dynamic making him feel like he has a second family. Kirby is excited to have an amazing job with a team that makes him feel accepted. Austin is grateful for all the new things he gets to learn about jewelry and musical instruments.

Travis Is grateful for working for a family company with wonderful values and a supportive team. Grab your turkey, green bean casserole, the cranberries, that pumpkin pie and eat hardy! Then shop till you drop, only at the best, loyalty pawn!

John Mark

West Sacramento Hello Team, This is it, the last month of the year, last month of the quarter and good-bye 2020! We are so happy to see this year end and welcome 2021 with open arms!!! What a year it has been, one thing after another but we stand proud and continue to improve and adjust as we need. I hope everyone had a great Halloween and Thanksgiving.

Merry Christmas to all, best wishes and New Year here we come. Our year end goal for loan balance was $375k and we have done it!! So proud of the West Sacramento Team, now are shooting to end at 400k and we will continue to maximize each loan, qualify customers and splitting items. Special Shout out to Norma, for being the in-4th place in sales for the month of October. Congrats Norma, keep using the call back binder and FB. We also celebrated Jason Birthday, and we surprise him with a big cake. We are ready for Christmas, our store looks amazing with decorations in the jewelry showcases, the floor, the wall, the shelfs, the windows and of course our Christmas tree. Jennifer and Brandy were very creative making our store the most festive one!!! We will put couple of Facebook live videos, please help us by linking the videos and share them as well. Team florin was able to provide a few tv for us and Team Elco couple of purses, thanks for the inventory. We took out all the blue painter's tape from the floor and added the "stand 6 ft apart" decal on the floor. Please remember to leave the "text message box" checked when making a new loan and keep checking the DOT list loans to make sure each loan has the "text message box" check, we continue to wear a face mask and sanitize as frequently as possible. Please stay safe and healthy.

Jose Velazquez

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!!

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

NOVEMBER November birthdays are associated with two gems; Citrine and Topaz. The warm color of Citrine is said to be a gift from the sun and it’s believed to be a healing gemstone. Topaz is most desired in its rich orange Imperial Topaz color but it is found in a variety of rich colors like blue, pink and yellow.

DECEMBER December birthdays have claim to three gemstones; Zircon, Tanzanite and Turquoise. Each of these gemstones carries a unique blue tone making it a perfect birthstone for Minnesota’s frigid December winters.

Zircon can be found in a variety of colors, but blue is the overwhelming favorite.

December’s Upcoming Sales

Anniversaries, Birthdays and New Hires December Anniversaries Brandy Davis 1 year

December Birthdays Mark Xiong December 2nd Kirby Erlanger December 13th Travis Tobin December 18th

November New Hires There were no new hires for last month!

TOP PERFORMERS IN OCTOBER Sales in Dollars 1st

Dominic Tognolini (Roseville #3)

Productivity in Dollars

Phys. Transactions Done

Paul Molina (Florin #2)

Ricardo Molina (El Camino #1)

2nd Joshua Bonton (Broadway #4)

Seamas O’Brian (Roseville #3)

David Palomares (Florin #2)

3rd

Joseph Contreras (Roseville #3)

Tona Mora (El Camino #1)

Orry Mccracken (El Camino #1)

4th

George Dozier (Broadway #4)

Ricardo Molina (El Camino #1)

Ricardo Molina (El Camino #1)

5th

Norma Bobadilla (West Sac #5)

Orry Mccracken (El Camino #1)

Mike Xiong (Florin #2))

Loan/Buy/Layaway End of Month Balances Loan Balance

Buys Balance

Layaway Balance

Loyalty Pawn #1 El Camino

$1,036,067.00

$3,111.00

$90,677.44

Loyalty Pawn #2 Florin Mall

$1,485,199.00

$7,223.00

$78,897.81

Loyalty Pawn #3 Roseville

$859,228.00

$1,585.00

$69,707.07

Loyalty Pawn #4 Broadway

$760,765.00

$4,521.00

$91,295.77

Loyalty Pawn #5 West Sacramento

$387,570.00

$3,312.50

$59,319.17

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

Loyalty Pawn Employee Services Corner Finally, it is that time of the year Lights, eggnog, with all the Christmas cheer Father was singing noels Then hearing jingle bells Mother said, “It’s only the rain, dear” –Poem by G. Jay December is the 12th month (and last month) in our modern-day Gregorian calendar (as it was in the preceding Julian calendar).

However, it was originally the 10th month of the Roman calendar (until 153 BC). Hence, “December” comes from the Latin word decem, meaning “ten.”

Back in Roman times, the calendar only had ten months and began with March! The winter period was not even assigned months because it was not an active time for military, agriculture, or civil life.

The month of December originally consisted of 30 days. When January and February were added to the calendar (around 700 BCE), December was shortened to 29 days. Then, in the subsequent Julian calendar, two days were added to December, making it 31 days long.

So, now you know! Source-Farmer’s Almanac .

DID YOU KNOW… December 6 is Saint Nicholas Day. St. Nicholas, the patron saint of children, inspires traditions around the world from hunts for presents to stockings or shoes filled with sweets.

December 7 is National Pearl Harbor Remembrance Day. December 10 marks the beginning of Hanukkah. The 8-night festival of lights begins at sundown on the 10th and ends at sundown on the 18th.

December 13is St. Lucia’s Day, which has long been associated with festivals of light. Before the Gregorian calendar reform in 1752, her feast day occurred on the shortest day of the year (hence the saying “Lucy light, Lucy light, shortest day and longest night”).

December 15 is Bill of Rights Day. December 17 is Wright Brothers Day. December 21 is the Winter Solstice—the astronomical first day of winter in the Northern Hemisphere and first day of summer in the Southern Hemisphere.

December 25 is Christmas Day, both a Secular/Pagan, and Christian holiday celebration December 26 is Boxing Day (Canada, UK) and the first day of Kwanzaa.

On the last evening of the year, December 31, kiss the person you hope to keep kissing!

2020 | END OF YEAR DUE DATES December 1 - Time for Year-End Tax Planning -December is the month to take final actions that can affect your tax result for 2020. Taxpayers with substantial increases or decreases in income, changes in marital status or dependent status, and those who sold property during 2020 should call for a tax planning consultation appointment.

December 31 - Last Day to Make Mandatory IRA WithdrawalsLast day to withdraw funds from a Traditional IRA Account and avoid a penalty if you turned age 70½ before 2020.

If the institution holding your IRA will not be open on December 31, you will need to arrange for withdrawal before that date.

December 31 - Last Day to Pay Deductible Expenses for 2020 Last day to pay deductible expenses for the 2020 return (doesn’t apply to IRA, SEP or Keogh contributions, all of which can be made after December 31, 2020).

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.

KWANZAA 2020

OPEN ENROLLMENT IS NEXT MONTH! stay tuned for announcements in the coming weeks!

Kwanzaa is an annual celebration of African-American culture which is held from December 26 to January 1, culminating in gift-giving and a feast of faith, called Karamu Ya Imani. It was created by Maulana Karenga and first celebrated in 1966.

Date: Sat, Dec 26, 2020 – Fri, Jan 1, 2021 Celebrations: Unity; Creativity; Faith; Giving gifts Observed by: African Americans, parts of African diaspora Significance: Celebrates African heritage, unity, and culture

Enjoy the month of December filled with all kinds of cool and kooky activities, good health prevention practices, and personal celebrations for all of us in every culture on this amazing planet we call HOME! 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-

15

Loyalty Pawn Corporate Office: 1708 Broadway Sacramento, Ca 95818

16