Letter from the President

Hello Team Loyalty,

Happy Holidays!!! One month left of 2021, that is incredible to me. I hope everyone had a wonderful Thanksgiving and enjoyed your time with family and friends. Even with these challenging times Thanksgiving does give us that time to reflect on what we are all thankful for. I know I spent part of my day being and thinking about how Thankful I am for each member of our Loyalty Pawn Family. I do not say it enough but Thank You. Now it is December and ready to take on the Christmas season and the New Year. Let us Do This! We have achieved some huge milestones even after enduring the struggles of 2020 and 2021, but we are not done. We need to have a tremendous retail sales month and December is just the month to do it. We did have a low revenue month in November of 2020 but we doubled it last month. That is amazing and tells me we are set for a great December!

We are still having steady loan growth which is terrific. As our loan balance grows our monthly residual income of pawn service charges and this is what we are in business for. While we still have not hit our pre-Covid loan balance numbers we are on our way. Barring unforeseen circumstances with new variants we should be above pre-Covid numbers and continue our steady growth in the months to come. It is extremely exciting to see the growth that we are a part of. Please let Wayne, Javier, or myself if there are any tools that you may need to help us and you achieve our company goals and any personal goals you may have.

Finally. stay safe and eyes open as there are many crazy people out there that are attempting to take advantage whenever they see an opportunity. Remember our merchandise is not worth being the hero. I would like to wish all the Loyalty Pawn Family a Merry Christmas, Happy Holidays, and a Happy New Year.

Merry Christmas, Stan Lukowicz, III