Loyalty Pawn's Three Balls Chronicle Vol. 3 Issue 1

THREE BALLS CHRONICLE VOLUME 3 / ISSUE 1

January 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 December Loyalty Pawn’s Core Goals, Values and Visions Employee Services Corner New Year’s Crossword & Word Search

Team Loyalty!!

Happy New Year!!We can’t believe that it is already 2020, 2019 went by so fast and you guys did an amazing job this year and thank you so much for your hard work, dedication, and loyalty to Loyalty Pawn.

2019 was a great year, but let’s make 2020 even better! Read more to find new events at the Golden 1 Center and remember to turn in your ticket request forms as soon as you see an event you want to go to so we can accommodate any requests! There will also be some new content in the newsletter starting next month, so stay tuned for that.

Let’s make 202 an amazing year here at Loyalty Pawn!

Letter from the President Happy New Year, Team Loyalty!!

I want to recap some of our successes from 2019.

• • • • •

Loan growth nearly a 25% increase, Amazing!

Over a 33% increase in our buys, Outstanding!

Over 25% increase in company wide sales, Incredible!

Over a 15% increase in our Pawn Service Charges, Excellent!

And for the final 2019 number recap over 27% in overall company-wide revenue, Epic!!

These improvements show that we are living the Loyalty Pawn “Vision, Values and Goals”. I want to Thank You all of you for your hard work and dedication. Let’s keep it up for 2020 and see if we can reach our 2020 goals. I will be sharing them with all team leaders very soon.

We will be in our third year as Loyalty Pawn this month and we have changed and corrected many things, made a few mistakes and kept moving forward. It has not always been easy, but we have done it and done it together as a successful TEAM. Year three will bring some fun and exciting times as we move forward, we have ironed out many wrinkles and will continue to work on the issues we face every day. We are more efficient then we have ever been and that will pave a smooth road for our future.

I do think we need to re-visit our Vision, Values and Goals, so we can keep them top of mind and always know that this is the company’s CORE! At Loyalty Pawn we are here...

• “To provide immediate relief with a short-term loan. To develop, recruit and inspire and elite workforce, driven by loyal business pracQces. To provide the highest standard of quality, commitment and value to each customer in our Loyalty Pawn Family!”

Loyalty Pawn has a vision that is...

•

“Loyal people commiUed to everyday saQsfacQon.”

Loyalty Pawn values...

• “Loyalty, DedicaQon, CreaQvity”

Gratefully, Stan Lukowicz Happy New Year to you and all your loved ones!

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A Letter from the General Manager Hello Everyone, I hope that everyone had a Happy and Safe New Year! We are getting pumped up and ready for a brand-new year!! Many of you have worked very hard this last quarter! We have had amazing outpour of compliments from our customers from the decorations of the stores, to the professionalism from our team members! We truly have much to be proud of! In the month of January, we will be introducing our new loan tickets, updating our pos, and preparing for a solid first quarter. In mean time, we sincerely wish you all a Happy New Year!

As always, we love nothing more than to highlight the sales performers for the month! In the month of December, Dominic T. lead the company with $36,193.00 with Tony M. selling $22,702.00 and Marcos B. selling $22,677.00. These gentlemen worked diligently to create leads throughout the month and were persistent on following up with their clients through the holidays! The inventory needs continue to come in and we are happy to help fulfill the needs of our clients. Thank you so much and we look forward to you excelling in 2020! Also, the quarter leaders for Q4 are Dominic T., Marcos B. and Joseph C. For quarter 1, Dominic qualifies for 5% weekly sales incentive, and both Marcos and Joseph qualify for 4%. Again, thank you for all your hard work and contributions to your teams!

Overall, Loyalty Pawn had a pretty good year in growth. Each store has increased their loan balances, sales, PSC and Layaways. For the year, this is a success! We are eager to continue to strive for the best and goal set monthly to maximize our potential. We will move forward in 2020 with excitement for the opportunities that are ahead. We very much look forward to personal growth, business growth and expansion.

Sincerely, Wayne Silliman General Manager “There are two types of people who will tell you that you cannot make a difference in this world: those who are afraid to try and those who are afraid you will succeed."

-- Ray Goforth

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Loyalty Pawn Family Happy New Year Loyalty Family, 2019 is over and what a great year it was. It's always nice starting a new year since it seems like you can wipe the slate clean and leave what happened the previous year in the past. 2019 was not only a year of growth but now we can also focus on beating those numbers. For some of the store it came down right to the end of the year to hit those numbers, it was a real nail biter for a minute there. Some of the other stores we have some real work to do 2020 but best believe we are going to work our hardest to accomplish those goals every week, month, quarter and year. 2019 was also a year of letting go and rebuilding the store manager Dylan from the Roseville location has left the Loyalty Pawn company but not the family. He has moved back to Idaho to grow the company him and his brother created. You will be missed Dylan but what a way to go out finishing the month with 100k in sales and now setting the new benchmark to beat. Let’s not wait until the last-minute to fulfill these very obtainable goals and let's make 2020 the best year we’ve ever had.

This month we are going to get to know Jose Velazquez the new store manager of the West Sacramento location.

He started working in the pawn industry about 6 or seven years ago. He was first brought on to the industry from his best friend in Buy Sell Loan. Jose is the only person in the company that has worked for three different pawn shops. He comes from a long line of working in the food industry where he learned how to manage his time, people, inventory and safety.

As soon as he was introduced to the pawn industry, he fell in love with it and found it very interesting how the negotiating and ability to deal in high end goods was available to him. He is very proud that he also became the store manager within a year. Through his hard work and integrity, he was the only person that made when we took over Buy Sell Loan.

Jose was born in Mexico City on August 9th, 1988. He is the oldest sibling of two he comes from a very humble but very poor family. Growing up he didn’t have the luxury that a lot of us are accustomed to like electricity, running water or a father figure in his life. You can imagine this was tough since he had to be the man of the house since 7 years old. When most of us were thinking about the latest game system or what barbies to play with Jose was out working and providing for his family or collecting well water to boil. He would work odd jobs like running errands for neighbors, collecting cans, going to the farmers market, collecting garbage and clean vendors spots and displays, all of this while still trying to get an education. When Jose was 10 his father was in the US working and trying to bring his family over. At the age of 12 he was finally able to come to the states at the time they were living in Los Angeles which was not much different environment and culture from Mexico. This was when he finally got introduced to things like electricity and running water in a home.

His time in LA was short lived and only lasted about two years. Some turn of events landed Jose and family to move to Sacramento. He first thought that this city was really boring, and he missed all his cousins in LA. After a while he started going to school where life became more familiar. He went J.F Kennedy high school where he had a class with me Javier. Looking back at those times we both remember having lots of fun and being the class entertainment. Who would have known that we would end up working together almost a decade later? Fast forward a few years and two kids later Nixie and Leonardo years 12 and 8 he has a beautiful family and is happily married to the love of his life and high school sweetheart Aurora. 2019 was a big year for Jose and his family not only did he become manager of the West Sac location, but he also got married and bought his second home. Things are looking up with Jose and we wish him the best of luck in 2020.

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Shop Talk Manager Updates El Camino Team Loyalty, We had a really good December this year. We have had higher sales than we have ever seen here. We are starting to make headway in our expansion project and things are starting to come together.

Unfortunately, this is parker's last month here and we hope him all of the best in his future. We see great things for 2020!

Cody Lathe

Florin Mall Hello Loyalty Pawn Family, Wow! I can’t believe 2019 is over. I am very excited to see what 2020 will bring us. We have overcome a lot of obstacles and curves, but it has not stopped us from moving forward. We all have achieved amazing goals personally and professionally.

What is going on here at Florin? Well, he had a excellent 4th quarter. We were able to hit our sales goal for all three months. We also surpassed our goal by a little over $10k for the whole quarter. Florin is still maintaining 1.7 million in loan balance and hope to hit $1.8 million by the end of the January. We have a new team member that started with us here at Florin in the beginning of December and he has been hitting his weekly sales goal since he started. His name is Mike Xiong for those of you that have not reached out to introduce yourself to him, I would encourage you all to do so. Travis will be working at Broadway and we know that he will be doing great there.

Lets have a prosperous 2020 and stay driven. Welcome 2020 we are ready for you!

Mark Xiong

Roseville Hello Team Loyalty, Hope everyone is very excited for the New Year, I know I am. I’m very much looking forward to the challenge and opportunity of running the Roseville store. I have set some very strong goals for Roseville in 2020, we are going to sell $1,000,000 and we are going to get our layaway balance to $100,000. This is not going to be easy, but I know the Roseville team and I can do it. Also, we have setup a new Facebook page (Roseville Pawn) so please add us and tell your friends.

FUN FACT: January 1st, 1776, the first American flag, the "Grand Union" was presented. Betsy Ross later added the stars in place of the Union Jack.

Justin Martinez 5

Broadway Hello Everyone, Hello Broadway fans it’s the start of the new year and we are truly excited to see what this year has in store for us. Starting with the edition of our new assistant store manager Travis Tobin. The Broadway team is excited to have him join us and see what new fun and exciting ideas he has in store for us. We are all looking to come out of the gate strong this year we want to work on hitting our goals early this year and surpass them. We are also grateful to our team member Kirby who has been helping us with fast and amazing jewelry repairs allowing us to get repairs back to customers within a day or two. This has given us a edge within our area to provide the highest level of customer service we can.

John Mark

West Sacramento Hello Team, My name is Jose Velazquez and Im the new store supervisor of West Sacramento store. Here at West Sacramento we say good bye to Justin, he will be taking over the Roseville Store. What a way to start the new year with a new face đ&#x;˜ but same goals, vision and values. I am so happy and excited to be a bigger part of the leadership team . We are going to start organizing ASAP to streamline the process of daily operations, going out and making a name for "Loyalty Pawn" in the community. I would also like to present my team, Jason W. (assistant manager), Jose M., Taj, Victor, Brandy and of course eBay Ryan. Learning eBay is an eye opener with all the little details and time consuming it takes but nothing West Sac can't handle. Definitely not looking forward to the reminder letters nightmare but I know the nightmare will go away by May 5th. Wishing everyone a Happy New Year and wish all your personal goals and dream come true.

Jose Velaquez

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Golden 1 Center Upcoming Events

As a quick reminder, remember to turn in your ticket request forms 2 weeks prior to the event you would like to attend. Also please send a pdf copy of your filled out form to lauren.l@loyaltypawn.com, stanjr@loyaltypawn.com and wayne@loyaltypawn.com. Thank you!!

Event Pelicans vs. Kings Warriors vs. Kings Bucks vs. Kings Harlem Globe Trotters Harlem Globe Trotters Magic vs. Kings Mavericks vs. Kings Monster Jam Triple Threat Series Monster Jam Triple Threat Series Monster Jam Triple Threat Series PBR: Unleash the Beast PBR: Unleash the Beast PBR: Unleash the Beast Thunder vs. Kings Lakers vs. Kings Timberwolves vs. Kings Heat vs. Kings Spurs vs. Kings TobyMac

Day Saturday Monday Friday Sunday Sunday Monday Wednesday Friday Saturday Sunday Friday Saturday Sunday Wednesday Saturday Monday Friday Saturday Sunday 7

Date 1/4/20 1/6/20 1/10/20 1/12/20 1/12/20 1/13/20 1/15/20 1/17/20 1/18/20 1/19/20 1/24/20 1/25/20 1/26/20 1/29/20 2/1/20 2/3/20 2/7/20 2/8/20 2/9/20

Disney on Ice Disney on Ice Disney on Ice Disney on Ice Disney on Ice Grizzlies vs. Kings Blake Shelton Miranda Lambert Pistons vs. Kings Wizards vs. Kings 76ers vs. Kings Raptors vs. Kings Pelicans vs. Kings Nets vs. Kings Mavericks vs. Kings JoJo Siwa Hawks vs. Kings V101 Heart of Hip Hop Pacers vs. Kings Sprurs vs. Kings

Thursday Friday Saturday Sunday Monday Thursday Saturday Saturday Sunday Tuesday Thursday Sunday Wednesday Sunday Tuesday Wednesday Thursday Saturday Sunday Tuesday

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2/13/20 2/14/20 2/15/20 2/16/20 2/17/20 2/20/20 2/22/20 2/29/20 3/1/20 3/3/20 3/5/20 3/8/20 3/11/20 3/15/20 3/17/20 3/25/20 3/26/20 3/28/20 3/29/20 3/31/20

January’s Upcoming Sales

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Anniversaries, Birthdays and New Hires

January Anniversaries Jose Velazquez 3 years Justin Martinez 6 years

January Birthdays No January birthdays this month!

December New Hires We would like to welcome our recent new hire to our Loyalty Pawn family. Brandy Davis and Victor Reyes who will be joining our West Sacramento team and Mike Xiong who will be joining out Florin Mall team!!

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TOP PERFORMERS IN OCTOBER Sales in Dollars

Productivity in Dollars

Phys. Transactions Done

Dominic Tognolini (Roseville #3)

Cody Lathe (El Camino #1)

David Palomares (Florin #2)

2nd Tony Mora (Florin #2)

David Palomares (Florin #2)

Dominic Tognolini (Roseville #3)

3rd

Marcos Barragan (Florin #2)

Brittany Walker (Roseville #3)

Cody Lathe (El Camino #1)

4th

Joseph Contreras (El Camino #1)

Mark Xiong (Florin #2)

Earnest Bryson (Florin #2)

5th

Justin Martinez (West Sac #5)

Dominic Tognolini (Roseville #3)

Paul Molina (Florin #2)

1st

Loan/Buy/Layaway End of Month Balances Loan Balance

Buys Balance

Layaway Balance

Loyalty Pawn #1 El Camino

$1,236,783.00

$8,215.94

$84,779.14

Loyalty Pawn #2 Florin Mall

$1,745,566.00

$9,196.50

$57,404.35

Loyalty Pawn #3 Roseville

$1,166,270.00

$7,665.00

$46,613.23

Loyalty Pawn #4 Broadway

$898,905.00

$4,561.82

$67,685.53

Loyalty Pawn #5 West Sacramento $462,626.00

$2,534.00

$45,190.13

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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 January 2020 January Fun Factoids January is here, With eyes that keenly glow— A frost-mailed warrior striding A shadowy steed of snow.

–Edgar Fawcett, American poet (1847-1904) January Holidays and Happenings • January 1 is New Year’s Day. While you’re still recuperating from your champagne or whatever fashionable adult beverage) hangover, here are some fun factoids for January 2020.

• January 20 is Martin Luther King Jr. Day (observed). This holiday is held on the third Monday in January and honors the principles of this civil rights leader and Nobel Prize Winner dedicated to nonviolence.

• January 25 is the Chinese New Year in 2020! This festival is celebrated on the second new Moon after the winter solstice. Chinese New Year is marked by fireworks, traditional lion dances, gift giving, and special foods. It’s the Year of the Rat! Wacky January Days—because wackiness is fun!

Celebrate these wacky holidays this month: • • • • • • • • • • • • • • • • • • • • • • • • •

January 1 - National Hangover Day January 2 - Run up the Flagpole and See if Anyone Salutes Day January 3 - Festival of Sleep Day January 4 - National Spaghetti Day January 5 - Feast of the Epiphany - Three Kings January 6 - Bean Day and Cuddle Up Day January 7 - Old Rock Day January 8 - Bubble Bath Day January 9 - Play God Day January 10 - Bittersweet Chocolate Day and Peculiar People Day January 11 - Learn Your Name in Morse Code Day and Step in a Puddle and Splash Your Friend's Day January 12 - Feast of Fabulous Wild Men Day, National Pharmacist Day January 13 - Skeptics Day and National Rubber Duckie Day January 14 - Dress Up Your Pet Day and my birthday!! (let’s see how many of you actually read this) January 15 - National Bagel Day and National Hat Day January 16 - Appreciate a Dragon Day and National Nothing Day January 17 - Ditch New Year’s Resolutions Day January 18 - Thesaurus Day and Winnie the Pooh Day January 19 - National Popcorn Day and National Tin Can Day January 20 - Martin Luther King Jr. Birthday and my personal fav Penguin Awareness Day January 21 - National Hugging Day and Squirrel Appreciation Day January 22 - National Blonde Brownie Day January 23 - National Pie Day January 24 - Beer Can Appreciation Day and Compliment Day and Global Belly Laugh Day January 25 -Chinese New Year’s – The Year of the Rat

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• • • • • •

January 26 - Australia Day and Spouse's Day January 27 - Bubble Wrap Appreciation Day January 28 - Fun at Work Day and National Kazoo Day January 29 - National Puzzle Day and National Corn chip Day January 30 - National Inane Answering Message Day January 31 - Backward Day and Inspire Your Heart with Art Day

OPEN ENROLLMENT –Ends January 15th!!

We got you covered!

Loyalty Pawn’s group health benefits program is about to begin its annual open enrollment for the 2020 plan year.

Starting December 15th, you can add, drop, or enroll for the first time in our awesome group health plans that include Medical, Dental, Vision coverage and enjoy the benefits from Loyalty Pawn’s HRA Debit Card for qualifying medical plans. Let me know if you need technical assistance with the Easecentral our online enrollment system. This electronic enrollment system is YOUR ticket to new enrollment and/or make plan changes to your current benefits.

Open enrollment ends Jan 15th and the new plan year coverage starts February 1st. If you miss this open enrollment window for group health, you won’t be able to enroll or make changes until the next open enrollment – and that’s over a year away!

If you do not plan to make any changes and are super satisfied with your current health plans, you do not need to do anything. Your plan will roll over with only one slight change…. there is a slight premium rate increase.

Medical premiums did go up overall about 8% for the 2020 plan year. You will see a slight hike in your weekly pre-tax payroll premium deductions starting the first week of February.

If you have questions or need help with your open enrollment starting December 15th send an email to: employeeservices@loyaltypawn.com Here’s to everyone’s continued good health, fame and fortune!

Enjoy the month of January filled with wacky days 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 employeeservices@loyaltypawn.com

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Loyalty Pawn Corporate Office: 1708 Broadway Sacramento, Ca 95818

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