Loyalty Pawn's Three Balls Chronicle Volume 4 Issue 1

THREE BALLS CHRONICLE

VOLUME 4 / ISSUE 1

January 2021

Team Loyalty!!

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

Happy New Year!! Wow! We cannot believe that 2020 is over but thankful that it is, it went by so quickly! Hopefully, the Coronavirus Pandemic will be over soon. We also hope that everyone had a safe and wonderful Christmas and New Year’s Eve with their family and friends. Thank you again to everyone for all of the hard work that everyone puts in everyday, you guys did an amazing job this year even with everything that has gone on this year so thank you! Don’t forget to check out the monthly newsletters electronically, on the Issuu app. So be sure to check that out so you can share with friends and family! We are also going to add some new content next month so be sure to keep an eye out for that. Keep doing an amazing job, Team Loyalty and let’s make 2021 an amazing year!!

Letter from the President

Hello Team Loyalty,

Happy New Year!!! I do not think much will change during the first three months of our new 2021, however I do believe that we will continue to grow even through our typical tax season. I do hope everyone had a great holiday season. I am certainly glad to be done with 2020 and am looking forward to 2021 and getting back to our life and workplace back to some type of new normalcy. I want to add a huge Thank You for everyone pulling through the best we could during 2020. It was a great effort and was leaving like none of us has ever done before.

We had great instore sales numbers with two location Florin Mall and Broadway hitting our annual projected sales goals, but with the Covid-19 virus hitting us in March of 2020, the projections should have been adjusted down a little bit. All locations except one sold more in 2020 than 2019 instore sales numbers and that was West Sacramento but only off by 1.5%. All those sales numbers are terrific numbers. The large drop in our loan balance should have affected our Pawn Service Charges we collected less the 1% less in 2020 compared to 2019. So, despite 2020 and all the problems it caused for all of us I would say we had a pretty darn good year. We did struggle with our eBay and our scrap gold sales, but we have learned in those departments.

I am confident we can all work together to help each other and our Loyalty Pawn family have a strong 2021!

Gratefully

Stan Lukowicz, III

A Letter from the General Manager

Hello Everyone,

We are nearing the end of 2020 and are in high hopes for a great start to 2021! To reflect a little on 2020, we surely had our challenges. However, we came through the year with adding online payments, brokering jewelry and external inventory like we never had before and helping clear aged inventory. We also have had cleaner stores than I have ever seen. Even with a year like 2020, we did have many positive things happen at Loyalty Pawn. Thankfully, we can bring in the new year our commitment and team engagement.

It is time to highlight the top salesmen for the month of December! Dominic T. $65,278.07, Mark Xiong $24168.85 and Tony Mora $22,318.63. Great job gentlemen. The top three salesmen for quarter 4 2020 were Dominic, Josh Bonton and Marcos Barragan. Congratulations, you qualify for the increased bonus incentive for quarter 1 2020!

For the first quarter of 2021, we are focused both on our sales and loan growth. Since September 2020, we have seen gradual increases in physical loans as well as our purchases. We have been steadily adding to our inventory each month. Also, our layaways have grown substantially in the last 5 months and we look forward to these being completed. When we opened up the Luxury store at El Camino, it truly showed our clients added value to the products we take and sell. The merchandising of our inventory has improved incredibly, and this will help gain super fan clients. The best form of advertising is word of mouth or live testimonials from our clients. I believe that the fruit is yet to bare at El Camino. We will be ready for what this year will bring!

To conclude, we continue to entertain new team members. We have had multiple new team members join us these last couple months. We are looking forward to expanding our teams and getting back to normal. We will continue to scout and gradually add new talent to our teams. Keep up the great work, we will succeed together!

Happy New Year,

Wayne Silliman General Manager

“Success is not final; failure is not fatal: it is the courage to continue that counts.” – Winston Churchill.

Loyalty Pawn Family

Happy New Year Loyalty Family!

Another year down and boy I can say it has definitely been a challenging one. I always like to reflect on what some of my accomplishments have been throughout the year, what I have learned and how I have grown as a person. I definitely think one of our biggest accomplishments as a company was even through all of this craziness, we were still able to finalize and open our Luxury store. I just want to thank everyone once again who helped out on that project. Now we can move our focus to the Roseville location and getting that project done. Let’s make 2021 the best year we have ever head family and reset those goals and make sure we are calendaring them. The holidays are over but let’s not stop challenging each other and keeping ourselves accountable. This month we are going to get to know Josh Bonton one of the SLAs of the Broadway location.

1. Who is your hero and why? My mother was my hero, strong woman big heart, and veryloving.

2. What is your favorite family vacation? Favorite family vacation is San Francisco love thewater!

3. What did you want to be when you were small? When I was small, I wanted to be a Professional wrestler, or a Lawyer.

4. What is your favorite game or sport to watch and play? Favorite sport I like to watch almost all sports, but love MMA

5. What would you sing at karaoke night? Song I would sing at karaoke any Hall &Oates

6. Have you ever had a nickname? What is it? My nickname my mom would call me was "moo orMookie"

7. Would you rather win the lottery or work at the perfect job?And why? I would rather win the lottery and still work; Lotto money would go to my kid’s future and wife (mostly)

8. Who would you want to be stranded with on a deserted island? I would want to be stranded on a desert Island with Dwight K. Schurte

9. If you could go back in time, what year would you travel to and why? If I could go back in time, I would travel to the 1970s, for the great music

10. How would your friends describe you? My friends would describe me as funny, loyal, compassionate,strong

11. What is the worst gift you have ever received? Worst gift ever received, do not have one any gift is something unexpected just appreciate the gift.

12. What are some of your hobbies? I love to cook, play with my kids, andtravel

13. If you were a super-hero, what powers would you have? If I were a superhero, I would like to have the power of time travel and strength

14. What would you do if you won the lottery? If In won, the lottery I would buy my forever home and put kids through college

15. What is the tallest building you have been to the top of? Tallest building, I have ever been on was my old elementary school

16. What is your favorite holiday and why? Christmas is my favorite holiday brings everyoneclose

17. What is your favorite sports team? Favorite sports teams are Rams, Astros, andMavericks

18. What is one of your favorite movies? One of my favorite movies is "DjangoUnchained"

19. What three items would you take with you on a deserted island? Physicians Reference book, a knife, and flare gun

20. What was your favorite subject in school? My favorite subject in school wasEnglish

21. What are the most unusual things you have ever eaten?Most unusual things I have eaten are shark, bear, and squirrel

22. Do you collect anything? I don’t really collect anything use to collect comic books and action figures as a kid as well as x men and Pokémon cards

23. What three things do you think of the most each day? Three things I think of most each day are My wife, and my two sons

24. On a scale from 1-10 how funny would you say you are? On a scale of 1-10 of being funny I'm solid 10 in the right company of course

25. Where do you see yourself in 6 months? In 6 months, I see myself still working at Loyalty Pawn, developing to be an even stronger pilar in the company

Shop Talk Manager Updates

El Camino

Team Loyalty,

Three, two, one happy New Year! everyone I hope everyone, and their families had a great and safe new year. I know we had a difficult year with obstacles, but we got through them. I welcome 2021 with open arms hoping the best for our stores and our team. Since I've been back at El Camino, I'm very proud of my team. We came together and made 761,000 in a pandemic and a 1-million-dollar loan balance. but watch out 2021. One of the goals that we have here is hitting the Million Dollar mark in sales with Loyalty Luxury being a huge part of it. We are in process of moving things around and organizing for the year that means all hands-on deck. Team El Camino is also taking the time and double-checking loans if they could be maximized. We are ready for tax season as well with new and fresh inventory. I wish everyone a great January and let’s get it!! “On the bright side, thanks to lockdown we never got used to writing 2020 on things, so 2021 should come easier. - Cheers!

Tony Mora

Florin Mall

Hello Loyalty Pawn Family,

Well, we made it and wow 2020 was a crazy, weird, and scary year. 2021 here we come, we are excited to see what it brings us. I hope everyone had a safe and fun Christmas and New Year. Florin had set a goal for $1 million in sale, this was a tough goal, but we put our best foot forward and tried to close every client that we were in contact with and we manage to end with $883k in sales. We missed our goal by $115k. I am so proud of the team even though we missed our goal the team did hit record breaking sales month for 2 months straight and was able to sell $150k more than last year and that is a great accomplishment for the team. We will continue to pursue that goal of $1million in sales for 2021. Team Florin will look back in 2020 to see what we did right and investigate mistake that were made and make some adjustment to reach our $1million sales goal. We are still holding a $1.4mil loan balance, we are trying to increase that by maximizing every loan that comes in. Team Florin is re-qualifying building rapport with our clients because WE ARE THE LEADER IN LOCAL LENDING and DEDICATED TO HELP OUT OUR LOCAL COMMUNITIES. Cheers to health, happiness, and prosperity in 2021! Let this new challenge begin. LET’S GO 2021!!! “The future belongs to those who believe in the beauty of their dreams.” Eleanor Roosevelt

Mark Xiong

Roseville

Hello Team Loyalty,

Happy New Year and I hope everyone is looking forward to 2021! I’m sure we are all so glade to be done will 2020 and I hope 2021 is going to be a great year for all of us in the Loyalty Pawn family. The Roseville team is very excited for the new year and getting Loyalty Lux Roseville up and running. We have had a few setbacks, but a lot of the hard work has already been done to the luxury side. We just need to button up the finish work, fine touches and we will be ready to ROCK. I do know we are going to have our work cut out for us in matching how awesome Loyalty Lux El Camino came out but we are up for the challenge. 2021 is going to be our year! I just want to wish everyone a Happy New Year. Continue to stay safe and let’s make 2021 a year to remember in a GOOD WAY!

Fun Fact: January was named for the Roman god Janus, known as the protector of gates and doorways, which symbolize beginnings and ends.

Justin Martinez

Broadway

Hello Everyone,

Ho Ho Ho merry Christmas Broadway fans! This month we have been busy helping everyone find that perfect gift for that special someone! But I would like to take this time to personally thank my staff: Kirby, thank you for doing such an amazing job getting jewelry cleaned and repaired for all the stores to have something to sell. Travis, thank you so much for being the perky happy and energetic number two that Broadway needs to be the best. George, thank you so much for always being the first to clean and organize and pick up here at Broadway you keep the store looking amazing. Josh, thank you so much for creating the amazing relationships with our clients and having an amazing sale year. Thank you for helping us end the year with wonderful sales, loans, and layaways. I wanted to make this a little more interesting. So, the first person who comes to me and says "John I have read the loyalty pawn newsletter" will receive a prize. Now you must also be standing on one foot, have your hand on your head, and be holding a sharpie in your other hand while telling me you read the newsletter. (yes, I'm serious. We need to make sure we stay informed with our company) We hope that 2021 brings much joy and many sales. Merry Christmas Broadway! See you in the new year!

John Mark

West Sacramento

Hello Team,

GOOOOOOOOOOOD-BYE 2020, Welcome 2021!!! What a year it has been with all sorts of difficulties, but we stand strong together. Thank you to everyone who stayed with Loyalty Pawn during the hard times. I hope everyone enjoyed the holidays with your loved ones. New Year, new opportunities to grow. First, I would like to congratulate Team West Sacramento for hitting our loan goal balance of 375k and our stretch goal of 400k in our loan balance. We come a long way from 250k, qualifying clients and products, splitting loans, and increasing current loans. Let's not ease off and keep at it. We also had our secret Santa gift exchange and had a wonderful home-made poloze provided by Norma (thanks again). We had a lot of fun and it was a great bonding event for the team. Pictures were uploaded to the group me app and if you are not part of it, please let your manager know so you can also join the circle. Our store has changed a lot since the beginning of the year, and I would like to personally thank Jason and Brandy for helping with all the cleaning and changes. Norma great addition to the team and to sales, she WILL BE coming for number 1 place in the company, WATCH OUT!!!! I would also like to welcome Tomas to Loyalty Pawn Team, he's been in the industry and will bring great value to our store. BIG SHOUT OUT to Jennifer for helping us out these past months, we will miss you. Team Florin thank you for all the help provided! We look forward to new challenges and overcoming old ones. Stay safe

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. The Golden 1 Center is still closed for events due to COVID-19, but we hope that they open up again soon and Go Kings!!

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

January’s Upcoming Sales

Anniversaries, Birthdays and New Hires

January Anniversaries

Ah Xiong 1 year

Jose Velazquez 3 years

Justin Martinez 7 years

January Birthdays

Mark Xiong December 2nd

Kirby Erlanger December 13th

Travis Tobin December 18th

December New Hires

We would like to welcome our recent new hires to our Loyalty Pawn family. Tomas Rodriguez to the West Sacramento team and Michael Torres to the Broadway team

3rd

4th

TOP PERFORMERS IN DECEMBER

Loyalty Pawn’s Goals, Values, and Visions

“The Leader in Local Lending”

Company Wide Goals

• ToOffer Immediate Relief with a Short-Term Loan.

• ToDevelop, Recruit and Inspire an Elite Work Force, Driven by Loyal Business Practices.

• ToProvide 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

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 was named for the Roman God Janus, known as the protector of gates and doorways, which symbolize beginnings and ends. Janus is depicted with two faces, one looking into the past, the other into the future a fitting symbol for this

DID YOU KNOW

first day of the year. It is natural for us to reflect on the past year and also look forward to the new. Goodbye 2020!! Hello 2021!!

• January 1 is New Year’s Day. While you are still recuperating from the prior night’s parties, read about some other new year’s traditions you might not know about and celebrate with some Hoppin’ John for good luck.

• January 5 brings Twelfth Night, an English folk custom that marked the end of Christmas merrymaking, and in ancient Celtic tradition, the end of the 12-day winter solstice celebration. On Twelfth Night, it was customary for the assembled company to toast each other from the wassail bowl.

• January 17 is Benjamin Franklin’s birthday. He was not only a world-renowned statesman, inventor, and scientist, but was also fascinated by agriculture.

• January 18 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 20 is Inauguration Day which is the day that the next U.S. president is sworn into office.

We got you covered!

Loyalty Pawn’s group health benefits program is about to begin its annual open enrollment for the 2021 plan year

Starting January 1st all eligible employees 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 Ease, 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 will not be able to enroll or make changes until the next open enrollment – and that is 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 6.5% for the 2021 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 your continued good health, fame and fortune!

CORONA VIRUS-COVID 19 California Update

CDC: https://www.cdc.gov/coronavirus/2019-ncov/index.html

Sac County: https://www.saccounty.net/COVID19/Pages/default.aspx

As many people in the United States begin to plan to welcome in the new year, CDC offers the following considerations to help protect individuals, their families, friends, and communities from COVID-19. These considerations are meant to supplement not replace any state, local, territorial, or health and safety laws, rules, and regulations with which holiday gatherings must comply.

When planning to do any non-essential travel, you should assess current COVID-19 levels in your community to determine whether to postpone or cancel altogether. https://covid19.ca.gov/stay-home-except-for-essential-needs/

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) 5442374.

OPEN ENROLLMENT IS HERE!!! Jan 1 – 15, 2021

NEW YEARS 2021

Enjoy the month of January 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! 916-752-2255 or by email: employeeservices@loyaltypawn.com

Make your New Year’s Eve a home movie night! So, what if the New Year's Eve movies are not as established as Christmas ones? There are a few classics still out there that you can always turn to. Light a few candles and settle in with some snacks and champagne for a cozy New Year’s celebration…you will always remember!

Loyalty Pawn

Corporate Office: 1708 Broadway

Sacramento, Ca 95818