Loyalty Pawn's Three Balls Chronicle Volume 6 Issue 1

THREE BALLS CHRONICLE

VOLUME 6 / ISSUE 1

January 2023

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

Monthly Birthstone Guide

Upcoming Birthdays and Anniversaries and New Hires

Loyalty Pawn’s Core Goals, Values and Visions

Employee Services Corner

Happy New Years let’s make 2023 an amazing year! Don’t forget to check out the monthly newsletters electronically, on the Issuu app so that you can share your hard work to your friends and family! We have also added many new events and Kings games that are available so be sure to check that out starting on page 8 and get your requests in for King’s games or other events for you and your families, so you can take part in this great opportunity. We have had such a successful year in 2022 and let’s make 2023 even better! Keep doing an amazing job Team Loyalty!!

President’s Letter

Hello Team Loyalty,

First, I would like to say Happy New Year to each of you and all your families. 2022 was not the easiest year we have gone through, but better than 2021. I am looking forward to an even better 2023 with less stress and struggles! I am confident we will put an amazing company event together and share all our wins and celebrate each other. I know we can kick 2023 in the butt, let us do it together!!

Looking over 2022 revenue numbers we had a strong year due to Pawn Service Charges, Scrap Sales and grateful to have a more dedicated Ebay department. The in-store sales were down significantly. Many factors went in to play here I believe the number one issue is the shortage in Team Members. Thank You to everyone that showed up and did your best to deliver the best possible customer service experience for all our clients and do the best you could to build our Loyalty Pawn Team Members relationships. A huge shoutout to our entire management teams this could not have been done without you. THANK YOU. Another factor in the decline in the in-store sales is the government money stopped rolling in, which is entirely out of our control. Closing Sundays also had an impact on these sales. These are the major reasons and identifying them will help us move forward in correcting them.

We have adjusted in-store sales projections down to accurately reflect realistic figures. We feel that a 10% increase over 2022 numbers will give each location the ability to attain these projections. On another note, we saw huge increases in many of our expenses, most of these numbers are out of our control due to inflation and rising costs everywhere. Payroll was our largest expense increase. You spoke with our survey, and we happily listened. However, these numbers do affect the bottom line. We just need to be aware, and we are aware. We are staying a strong and viable company; I am just sharing the ins and outs of the company. I am looking forward to a FUN and prosperous 2023 for the company and the entire Loyalty Pawn Family.

Happy New Year,

Stan Lukowicz, III

Letter from the General Manager

Greetings Everyone,

Happy New Year! We made it through ‘22’. This time every year, I like to take the time to reflect on our achievements, successes, and shortcomings. I think a little part of all of us hope that we will have a little less challenging of a year ahead. I often wonder how we have overcome the hurdles set before us. What I know is that we have a very dynamic flexible team. We have endured the woe of the economy, weather, pandemic, doom, and gloom news, and much more. Yet here we are. We have made it through another year. We will very soon embark on the 5th year of operating as Loyalty Pawn. This is exciting as it truly seems like 5 years was just a blink of an eye. We have shaken a little in the last couple of years but remain tall and strong.

With the ending of 2022, I would like to mention the top salesman for the month of December. The first place goes to Dominic T. Second place goes to Danni R. and the third place goes to Paul M. Great job for December team. Roseville especially broke through December by hitting the 100k mark! With that being said, the top three salesmen who qualify for the quarterly higher % bonus are Dominic (first place) Danni (second place), and Norma (third place). Congratulations! May your future sales bonuses be fruitful in the first quarter of 2023.

We have kept a steady pace through the last 6 months. While maintaining the company’s VVG’s, there is no doubt that the business line that was the most impacted in this shaky economy was our retail sales. We still have a very strong inventory book with a depleting layaway balance. On average, our locations secured 10:2 ratio of items being sold. The 10:2 represents 10 general items sold to 2 jewelry items sold. This data is an average over many months. Some months were better and some worse. This data also represents the continued need for gm items to be considered through our qualification process rather than turning away clients or products. Our continued outlets have not dried up to move our inventory so let’s continue to bargain and have fun making transactions.

Have a Happy New Year!

Wayne Silliman General Manager

“The more I want to get something done, the less I call it work”. - Richard Bach

Loyalty Pawn Family

Happy New Year! Loyalty Pawn Family

I sincerely hope that each of you had a wonderful Christmas and a happy new year. It's always vital to pause when we start a new year to reflect and refocus on how to set and achieve our new year's goals. I'd like to applaud the Roseville team for their dedication and for breaking the 100k sales threshold in December. It will require a lot of work from everyone to restock and turn that inventory back into money so we can loan it out given our steadily increasing loan balance. Despite the fact that many of our clients are repeat clients, we've finished the year by forging new relationships with clients that have never stepped foot in a Pawn Shop before. In addition to business, I'd also like to take this moment to thank all of you for your continued support as managers, customers, family members, friends, and team members. Our success is only possible because of people like you who embrace our vision values and goals. Let’s keep up the great work and surpass all our goals for 2023! We have cycled through all our teams with the last questionnaire, so I have changed the questions to get to know our family better. This month we are going to get to know Ramsey the assistant manager of the El Camino location.

1. What’s your favorite way to spend a day off? THAT VARIES AT MYAGE! COULD BE JUST RELAX OR VISIT MY PARENTS AND HELP WITH THINGS THEY CAN NO LONGER DO, OR SNEAK OUT OF TOWN WITH MY G/F, OR JUST HANG OUT WITH FAMILY/FRIENDS. I ENJOYALLTHOSE THINGSAND MANY MORE

2. Where’s the next place on your travel bucket list and why? I’D LOVE TO GO TO SPAIN. I HEAR ITS BEAUTIFULTHERE AND THAT THEY HAVE GREAT FOOD AND ADULT BEVERAGES

3. What was your favorite age growing up? IT’S HARD TO SAY. BEINGATEEN WAS REALLY FUN HAVING NO REAL RESPONSIBILITY BESIDES PLAYING SPORTSAND GETTING THROUGH SCHOOL. THEN LATER HAVING MY KIDS AND RAISING THEM WAS TRULYA HIGHLIGHT IN MY LIFE.

4. Do you have a favorite holiday? Why or why not? I’D SAYTHANKSGIVING WHEN FAMILY GETS TO SHARE GREAT FOOD AND FUNAND LAUGHS TOGETHER

5. What was the last thing you read? WHEN THE GAME WAS OURSA BOOKABOUT MAGICAND LARRY BIRD ON HOWA LIFELONG FREINDSHIP EVOLVED FROMATOUGHAND FIERCE COMPETETION BETWEEN THE TWO LEGONDS ON THE BASKETBALL COURT

6. What was the last TV show you binge-watched? LAST CHANCE U- SERIES ON JUCO BASKETBALL PLAYERS

7. Are you into podcasts or do you only listen to music? IF I LISTEN TOA PODCAST IT WOULD BE JOE ROGAN, VERY INTERTAINING.HOWEVER I DO LISTEN TO MUSIC MUCH MORE. CLASSIC SOUL, R&B FAV’S BUT COUNTRY MUSIC IS GROWING ON ME!

8. What's one thing that can instantly make your day better? HEARING FROMANY OF MY KIDS FOR SURE

9. What’s one goal you have for this year personally and professionally? PERSONAL GOAL IS TO TAKEAT LEAST ONE COLLEGE COURSE TO BETTER MY EDUCATION. THIS WOULDALSO HELP PROFESSIONALLY

10. Ideally, how would you spend your birthday? ONA BEACH SOMEWHERE HAVING DRINKS WITH MY GIRLFRIEND

11. What's your favorite board game? CAN’T SAYWHAT THAT WOULD BE. I DO ENJOY PLAYINGA CARD GAME WITH MY DAD CALLED GOLF. ITS FUN YOU SHOULD TRY IT OUT SOMETIME

12. What’s the best way the company can celebrate you and your team for successes? LOTS OF CHOICES THERE. I LIKE TO ASK TEAM MEMBERS THEIR OPINION ON THIS ONE, SEE WHAT THEYALL LIKE TO DO. WE’VE PUTALLTHE SUGGESTIONS IN A HATAND PICKED BEFORE

13. What causes are you passionate about? FAMILY ISSUES!

14. What’s an essential part of your daily routine? EXERCISE, IF I DON’T GETA CHANCE TO EXERCISE IN THE MORNING, I DON’T FEEL RIGHT THE WHOLE DAY. I FEEL MORE SLUGGISH IF I DON’T GET UPAND GET MY EXERCISE IN.

15. Who or what inspires you in your career? MY PARENTS, THEY BOTH WERE HARD WORKINGAND RELIABLE, AND HAD INTEGRITY

16. What’s something an outsider wouldn’t know about your industry? HOW WEARE HERE HELPING OUR COMMUNITY. HOW YOU CAN BASICALLY USE USAS YOUR BANK WITH OUT CREDIT CHECKSAND PAPERWORK NO ONE WANTS TO FILL OU

17. What’s the career highlight you’re most proud of? NO SINGLE HIGHLIGHT. I LOVE BEING PART OF TEAMS THATARE SUCESSFUL IN WHAT EVER FIELD THEYARE IN

18. Do you believe in having a "five-year plan"?AT MYAGE I’M LOOKINGATA PLAN TO BEABLE TO RETIRE COMFORTABLY.

19. What’s the best piece of advice a family member has given you? ALWAYS WORK HARD, BE RELIABLEAND HONEST

20. What is your definition of success? KNOWING THAT I’VE RAISED MY KIDS TO HAVE GREAT INTEGRITY, TO BE HARD WORKING, DEDICATED, AND RELIABLE IN EVERYTHING THEY DO IN THEIR LIVES

Shop Talk Manager Updates

El Camino

Team Loyalty,

Empty Champagne bottles, New Year's resolutions and new gym memberships hope everyone had a safe and healthy New Years. Team El Camino survived the retail holiday but fell short from our goal but we are still not giving up because if we do, we will never find out the feeling of winning! team Elco has set a sales goal of 1.2 million in end of the year sales. Also with the economy being a roller-coaster we for see a loan balance of 1.7 to 1.9 million our team is ready to conquer this year. As we hit the new year running, we are in a buying frenzy to stock our shelfs with good quality inventory. So lets buy and also sell other than that remember January 28th is National Fun at Work Day! Let's us enjoy our work environment and have a great year.

Cheers, Tony Mora

Florin Mall

Loyalty Pawn Families,

I hope everyone had a wonderful Christmas and a Happy New Year! Wow, I cannot believe 2022 is officially over. Man, like we say at the end every year wow time sure does fly. We are excited to see what 2023 has instore for us. Team Florin ended with $1.62 million in loan balance for 2022. Team Florin have set some goals for 2023 and we are excited and pump to hit those goals. I know this will be an awesome year. Team Florin’s goal for 2023 is to hit $1.85 million in loan balance to lock in and hold steady $125k layaway balance and a sales goal of $1.25 million in sales that’s about $104k in sales every month. To also get at least 100 google review every month ended us with 2600 google review by the end of 2023. We are excited to announce that one of our team member Alicia Jimenez new editions to their family and to our Loyalty Pawn Family a baby boy. Please reach out and congratulate her. Team Florin wants to congrats our Roseville team for hitting over $100k for December way to end the year, Great job Team Roseville. Team Florin has some goals to accomplish.

HAPPY NEW YEAR TO EVERYONE!

Together

Everyone

Achieves

More

Mark Xiong

Roseville

Hello Team Loyalty, Happy New Year! I hope everyone had a fun and safe New Years Eve. I can’t believe 2022 is over and 2023 is already here. Its crazy how fast time flies when working at the pawn shop. I want to give a gigantic, huge shoutout to the Roseville team for crushing our sales goal for the month of January. At the beginning of January, we set out to hit 85K in sales and the team surpassed that goal and sold over 105K… amazing job! Brittany Dominic and Danni you all did a phenomenal job and I’m so proud and appreciative of your dedication and hard work. Great job team Roseville!

Justin Martinez

Broadway

Hello Team,

Broadway had a interesting holiday season falling short of our sales goal of 135k but we have some achievable goals for 2023. The staff is excited for the new year and what it may bring josh is looking to place in the top 3 of sales for the whole year. Lola is wanting to expand her product knowledge on watches and guitars. Quincy wants to learn how to restore and do wood working. Kirby wants to spend more time with his family and become a better manager. I myself want to enjoy more hobbies and get outside more. So overall the Broadway team is looking forward to the new 2023 year.

John Mark

Top Performers in December

December End of Month Balances

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! If you would like to request tickets send you 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! 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!

January Sales Flyer

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

JULY – Ruby

JUNE –Pearl & Alexandrite

AUGUST – Peridot

SEPTEMBER – Sapphire

OCTOBER – Opal & Tourmaline

NOVEMBER – Citrine & Topaz

DECEMBER – Topaz & Turquoise

Anniversaries, Birthdays and New Hires

January Anniversaries

Justin Martinez 9 years

Juanita Guiterrez 2 years

Ah Xiong 2 years

Danni Robinson 1 year

January Birthdays

Tyrah Walls January 31st

December New Hires

We don’t have any new hires this month!

Loyalty Pawn’s Goals, Values, and Visions

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

“The Leader in Local Lending”

Loyalty Pawn Employee Services Corner

Janus am I; oldest of potentates; Forward I look, and backward, and below I count, as god of avenues and gates, The years that through my portals come and go.

–Henry Wadsworth Longfellow, American poet (1807–82)

We got you covered!

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.

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. Benefits: Choice of plans from Cal Choice- Loyalty contributes $150 per month toward the cost of your selected medical plan. HRA (Health Reimbursement “Benny Card” to help with cost of out of pocket expenses on select plans. Dental with Humana and Vision with Humana. Log in today! www.loyaltypawninc.ease.com.

• Your personal email address is your Username

• If you have never logged in prior to this email, then you’ll be prompted to create a new password

• If you have logged in prior to this email, then use the password you already created

• Follow the prompts-Be sure to add any dependents first before you elect the coverage you’re interested in for you and any dependents

• Sign electronically when prompted using any smart device. Follow the User Guide attachment.

• Complete your enrollment OR waive coverage

January…Celebration Days

• January 1 is New Year’s Day

• 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 6 is Epiphany According to the New Testament’s Gospels, on this date the Magi the three wise men or kings venerated and brought gifts to the infant Jesus. Bake a beautiful Epiphany Tart or a King Cake with a lucky bean inside!

• January 16 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 17 is Benjamin Franklin’s birthday. He was not only a world-renowned statesman, inventor, and scientist, but was also fascinated by agriculture.

• January 22 is the Lunar New Year. Celebrated widely throughout East Asia, this holiday begins with the first new Moon after the Winter Solstice and is associated with the Chinese Zodiac.

January … Just for Fun Days

Did you know that December is National Pear Month? Celebrate these fun holidays this month:

• January is National Clean Up Your Computer Month and National Hot Tea Month! Here are some more fun things to celebrate in January:

• January 1: Z Day (On this day, those whose last name begins with “Z” get to go first instead of last.)

• January 3: National Chocolate-Covered Cherry Day

• January 6: National Bean Day

• January 8: Elvis Presley’s Birthday

• January 10: National Houseplant Appreciation Day

• January 14: National Dress Up Your Pet Day

• January 20: National Penguin Day

• January 22: National Answer Your Cat’s Questions Day

• January 29: National Puzzle Day

• Forgotten Customs: Going Back to Work!

Butternut Squash Soup!

Ingredients

3 tablespoons butter. 2 tablespoons chopped onion. 1 medium carrot peeled and chopped. 3 tablespoons of allpurpose flour. 4 cups warm chicken stock. 2 pounds butternut squash, peeled, seeded, and cut into large cubes. 1 clove garlic. 1-1/2 cups milk. 1/2 cup light cream. 2 tablespoons maple syrup, or to taste. chopped fresh parsley, for garnish. freshly ground black pepper, for garnish.

Instructions

In a large stockpot, melt the butter over medium-low heat. Add the onion and carrot and cook for about 5 minutes, or until the onion is tender. Sprinkle the vegetables with the flour and, stirring constantly, continue cooking for 3 minutes. Remove the pot from the heat and add the chicken stock. Add the squash, garlic, and parsley, and simmer, covered, for 45 minutes. Set aside to cool for 10 minutes. In a blender or food processor, purée the mixture until smooth, in batches.

Return the soup to the pot, add the milk, cream, and syrup, stir to incorporate, and heat through. Garnish with parsley and black pepper.

Make Ahead: This soup can be prepared up to the purée stage, covered, and refrigerated for 4 days or frozen in an airtight container for 1 month. To use: For each serving, combine 1/2 cup of the thawed purée, 2 tablespoons of milk, 2 teaspoons of cream, and 1 teaspoon of maple syrup, then heat through.

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!

Loyalty Pawn | Payroll Transition Update

Team Loyalty Pawn is now in the transition process of leaving ADP Run and preparing for a new/revised go live date with ADP Workforce Now on February 10th as the first Workforce Now pay date.

Loyalty Pawn leadership has made the decision to leverage the full power of MobileHRnow as its 24/7 HR and PR business partner. We’re super excited about this change happening in February 2023.

Be on the lookout for your invitation to register for the new ADP Workforce Now employee account and mobile app mid-January! Once we transition, you will no longer have access to Run and your employee dashboard will look a little different, but your time and attendance will be the same, just in the new Workforce Now account.

All employees will be required to register with the new ADP Workforce Now account so that you can start using the new Workforce Now time card. Details to be provided in January Nothing you need to do right now.

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

Loyalty Pawn

Corporate Office: 1708 Broadway

Sacramento, Ca 95818