Loyalty Pawn's Three Balls Chronicle Volume 5 Issue 2

THREE BALLS CHRONICLE

VOLUME 5 / ISSUE 2

March 2022 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 February

Loyalty Pawn’s Core Goals, Values and Visions

Employee Services Corner

Hello Loyalty Family!

Things are finally starting to go back to normal and we are very excited about that. We want to thank you again to everyone for all your hard work that everyone puts in everyday, you guys are doing an amazing job even with everything that has gone on in the past couple of years. 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! There are many new events and Kings games so make sure to check that out so you can request games or other events for you and your families. The Kings are doing great this year and we haven’t gotten many requests for games, so be sure to take part in this great opportunity. Keep doing an amazing job Team Loyalty.

Letter from the President

Hello Team Loyalty,

It looks like tax money is coming in, yay!!! However, I believe this will be a short tax season, so we will need to be prepared for when the loans start coming back. I know this will be the loan tsunami the industry has we talked about over the last year. I would like for us to try our best to work rewrites, redeems and sales while our customers have the income coming in. It is important for the industry to take advantage of these times as the months that have money coming in quickly are far less than the months that have the money going out to loans. Loyalty Pawn is no exception. Our typical months of positive cash flow are February, March, November, and December so that means that we have eight months of typical negative cash flow. That is the goal and Loyalty Pawns business model and has served us well for nearly 30 years so keep up the excellent work.

We have an exciting event coming to our doors the first part of April. Jerry Whiteheads Pawnshop Focus Group is coming to visit us. There will be a dozen or more of the nation's top pawnbrokers visiting each of our locations. They will have an all-access pass to our stores, they will be asking a lot of questions and taking notes. The goal is for them to criticize our operation with both positive and negative CONSTRUCTIVE criticism. We want to know what we do well and share our successes so others can bring back to their operations. We also want to know what we do not do, help and listen to them so they can help us become better. This can be from merchandising, training, banking, vendors, and the list does not stop. We need to get the stores in tip top shape before we start the store tours on April 4th. We will need all hands-on deck; I Thank you in advance for your help.

Finally, I just would like to put it in our newsletter. Welcome back John Mark we are all glad you are back!

Gratefully,

Stan Lukowicz, Jr

Letter from the General Manager

Greetings Everyone!

February has flown by quickly! With gratitude, we have welcomed back John Mark. John has been out of the office fighting a health battle since October 2021. While John was recovering, his friends' wishes for good health were sent his way. Thankfully, John returned to work in February. John has returned with both feet running! While John was absent, we have moved West Sac into Broadway (not without hick-ups). Consolidating all the loans, layaways, and purchases was a bit of a challenge. Now that we have organized the store, eBay is up and running. Jason W. has been instrumental in launching eBay at Broadway. We have merged most of all West Sac Loans into Broadway. We expect to have all loan transactions to be complete no later than the end of March.

As for the sales of February, "Catch me if you Can," Dominic T. got first place in sales for the month, hitting $50,588.02. For 2nd place, Norma Bobadilla sold $19,936.39, and in 3rd Place, Javier Becerra sold $18,734.82. Congratulations, team, for your hard work selling! So far, this is the first time this year that Norma got top 3 in sales! I'm optimistic that this won't be the last.

I want to mention some updates coming shortly. At the beginning of April, we will be having a pawn focus group visit our locations. The focus group will be here from April 3rd to April 7th. This visit is exciting as we look forward to picking their brains from store metrics, cohesiveness, sales, lending practices, and much more. I believe it was 2016 when they last came to visit our company. Much has changed since their last visit. We will be looking forward to this visit and the new critiques we will receive. Sometimes, an outside eye is a must for improvement. We are not perfect, but we are humble enough to improve!

Also, we have committed to merging software starting on April 10th. We will first transition from the El Camino location to Bravo on April 10th. After El Camino, we plan to continue converting by store #, Florin, Roseville & Broadway. Currently, there will be a week gap in between each store's conversion. We will continue to wait for Bravo's guidance on this.

Like many years past, we are gearing up for tax season. Typically, the tax season lasts for at least a month, starting at the end of February. We think this year it may be a little less. Let's hope that the tax season lasts through the month of March this year! We have many items to sell, layaways to be serviced, and many loans to be paid on! Keep up the great work, teams!

Sincerely,

Wayne Silliman General Manager

"Perseverance is not a long race; it is many short races one after the other."

-Walter Elliot

Loyalty Pawn Family

Greetings Loyalty Family,

I can’t believe March is already upon us seems like this year is already flying by. I guess that’s what happens when you have a busy month. It finally looks like some of that tax money is starting to trickle through, like we have been talking about in our manager calls this is a perfect opportunity to remind our clients about their layaways. With clients coming in trying to redeem their loans by reminding them about their layaways they might change their minds and pay the interest on their items and pick up their layaways. We want to keep working hard in getting the stores ready for the focus group to come visit our stores. This is a great time for this group to criticize our stores and help us figure out what we might need help with. This month we are going to get to know Jason Wagner one of the assistant managers and eBay manager of the Broadway location.

1. Who is your hero and why? My mother, For raising two great children on her own. One point holding down 5 jobs while raising two teenagers in sports and High School.

2. What is your favorite family vacation? Our trip to Disney world and the Bahamas.At one point me and my cousin rode the Tower of Terror 10 times in a row while everyone was watching the Fantasmic Water and light show.

3. What did you want to be when you were small? I wanted to be a fire fighter when before I was school aged.

4. What is your favorite game or sport to watch and play? Not so much into sports these days. I used to love to watch football and play basketball (before my body told me to slow down)

5. What would you sing at karaoke night? Lots of songs. From Sinatra to Rob Zombie!

6. Have you ever had a nickname? What is it? J-Wag, Wagnificent, Wags, J

7. Would you rather win the lottery or work at the perfect job?And why? Working the perfect job would be like winning the lottery.

8. Who would you want to be stranded with on a deserted island? Bear Grylls. I would learn a lot from that guy and at lease we would have a better chance at surviving!

9. If you could go back in time, what year would you travel to and why? Back to October 26th 1985. To watch Marty travel back in time with the Doc!

10. How would your friends describe you? Caring, loyal, and honest

11. What is the worst gift you have ever received? Hand me down portable transistor radio with batteries that were dead and leaking acid.

12. What are some of your hobbies? Slow cooked BBQ, RC cars, Camping.

13. If you were a super-hero, what powers would you have? Be like Superman. Flight, strength, nearly invincible.

14. What would you do if you won the lottery? Not tell anyone except immediate family. Hire a financial consultant and a laywer.

15. What is the tallest building you have been to the top of? First thing that comes to mind is a Tram that goes 1800 ft over sea level. Mt. Roberts,Alaska. The view was incredible.

16. What is your favorite holiday and why? Christmas. It is when the whole family gathers.

17. What is your favorite sports team? Raiders / Lakers

18. What is one of your favorite movies? The Fifth Element

19. What three items would you take with you on a deserted island? Survival knife, magnesium flint, fishing pole.

20. What was your favorite subject in school? Math and Science

21. What is the most unusual things you’ve ever eaten? Escargot

22. Do you collect anything? Started collecting comic books recently. Never had the chance to have many as a kid.

23. What three things do you think of the most each day? Family & friends, food, & work

24. On a scale from 1-10 how funny would you say you are? 7

25. Where do you see yourself in 6 months? That is about time for my Vacation!! So probably Camping

Shop Talk Manager Updates

El Camino

Team Loyalty,

Well the flowers are blooming and allergies are happening, speaking of blooming El Camino is blooming with inventory. With the March Madness sale we continue to clear out tools and bigger items for more retail space. Bike should be rolling off the showroom floor due to the spike in gas prices! overall Team ElCo continues to work strong in these times, we have been organizing and going back to basics we want to show the focus group what a clean and impeccable shop we are. Also we also continue to hit our incentives every week with all the new jewelry inventory and tax season among us. We finished strong with 82k in sales in the month of February, we have set a goal of 93k for the month of March which boils down to 3k a day. Let's gooo team Elco! and I keep reminding my team "Alone we can do so little, together we can do so much".

Tony Mora

Florin Mall

Loyalty Pawn Families,

I hope everyone is doing well. Wow we are in the second half of 3rd quarter already. Team Florin is still holding a strong loan balance of $1.6mil. Last month we shrunk in our loan balance as we are seeing tax money coming through. We are hoping to see some inventory rolled out with tax season here. We are heavy in inventory from bikes to tools and music items. As spring is here team Florin is working hard on spring cleaning and organizing. We are getting ready for the focus group in April. We had a great run with Team Elco and Team Roseville great job with those amazing sales numbers. It was awesome seeing those sales producing, that kept us on our toes and trying to take it in sales. Team Florin collected about $19.45k in layaway pickups last month that was an additional $675 in sales per day. We are continuing to push layaways; they do work and helps with your sales numbers. Well March is here, and we have an awesome 25% off sales on tools. This is the time to move those items. I know everyone is heavy in tools. We have a birthday this month. We wanted to wish Mike Xiong A VERY HAPPY BIRTHDAY. It’s great to see everything starting to go back to normal with the lift on mandated mask but let’s not let a guard down let’s continue to keep the store clean and sterilize, stay healthy everyone. “TEAMWORK Coming together is the beginning. Keeping together is a progress. Working together is success. “ -Henry

Ford

Mark Xiong

Roseville

Hello Team Loyalty,

Well, it seems like we are finally getting some relief from the pandemic with some easing to mask mandates and restrictions. I know the last 2 years have not been easy for anyone and much harder for some than others, but we can now hopefully finally see the light at the end of the tunnel. I just want to say thank you to all of you in the Loyalty Pawn Family, you all have done an amazing job and I appreciate all the hard work, dedication, and commitment. Thank you! You all truly represent our Visions Values and Goals, and you should all feel proud of this.

Justin Martinez

Broadway

Hello Team,

Welcome back the Broadway corner with your host John Mark that’s right I’m Back and better then ever thanks to everyone for the support while I was gone. The store has been doing amazing and growing steadily and making some sales here and there. The big project is getting the store organized and clean with the combination of west sac loans and Broadway loans being mixed together and tagged correctly. We have a lot of work ahead of us but I have a great team to rely on and I know we can all get it done together.

John Mark

Golden 1 Center Upcoming Events

We have some exciting news!! The Golden 1 Center is finally opening back up to have 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! Same thing as usual 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!

March 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

JUNE –Pearl & Alexandrite

JULY – Ruby

AUGUST – Peridot

SEPTEMBER – Sapphire

OCTOBER – Opal & Tourmaline

NOVEMBER – Citrine & Topaz

DECEMBER – Topaz & Turquoise

Anniversaries, Birthdays and New Hires

March Anniversaries

Jason Wagner 6 years

March Birthdays

Norma Bobadilla March 6th

Wayne Silliman March 12th

Mike Xiong March 25th

Brittany Walker March 28th

February New Hires

We would like to welcome our recent new hires to our Loyalty Pawn family. Canace Bailey to the Roseville team, welcome

Andrew!!

TOP PERFORMERS IN FEBRUARY

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

National Nutrition Month is an annual campaign created by the Academy of Nutrition and Dietetics.

During the month of March, everyone is invited to learn about making informed food choices and developing healthful eating and physical activity habits. During National Nutrition Month, the Academy encourages everyone to make informed food choices and develop sound eating and physical activity habits they can follow all year long. The Academy encourages seeking the advice of registered dietitian nutritionists the food and nutrition experts who can help develop individualized eating and activity plans to meet people’s health goals! Source: eatrightpro.org.

Did YOU know:

• In the early Roman calendar, March (or Martius) was the first month of the calendar year.

• March has The Full Worm Moon.

• March 1 is Mardi Gras (aka “Fat Tuesday” or Shrove Tuesday), which is the final feasting day before the Christian tradition of Lent begins on the following day, Ash Wednesday (March 2, 2022).

• March 7 is Clean Monday. Also called Pure Monday, this day marks the beginning of Great Lent for followers of the Eastern Orthodox Christian Church. This day is similar to Ash Wednesday of the Western Church.

• March 8 is International Women’s Day, which is a day that not only celebrates the achievements of women and the progress made toward women’s rights, but also brings attention to ongoing struggles for equality around the world.

• March 13 is thestartofDaylightSavingTime,whichbegins at 2:00 A.M. thatday.Ifyourareaobserves it, don’t forget to “spring forward” and set the clocks one hour ahead, or you may find yourself an hour late to everything!

• March 15 is the Ides of March! Legend surrounds this ill-fated day. Beware the Ides of March!

• March17is St.Patrick’sDay.Accordingto folklore,folks wearashamrockonSt.Patrick’sDaybecause the saint used its three leaves to explain the Trinity.

• March 20 brings about the March equinox also called the vernal or spring equinox in the Northern Hemisphere marking the beginning of spring. In the Southern Hemisphere, this date marks the autumnal equinox and the beginning of fall. On this day, the Sun stands directly over Earth’s equator.

• March 29-31 are known as the Borrowing Days. According to lore, the last three days of March have a reputation for being stormy.

JUST FOR FUN DAYS…

• March 3: What If Cats and Dogs Had Opposable Thumbs Day

• March 9: International Fanny Pack Day

• March 13: National Earmuff Day

• March 16: National Panda Day

• March 21: Absolutely Incredible Kid Day

• March 23: World Meteorological Day

• March 31: World Backup Day

March Astronomy

March’s full Moon, the Worm Moon, reaches peak illumination on Friday, March 18, 2022,at3:20 A.M.EDT. Lookforit intheevening ofThursday, March 17, as the Moon rises above the horizon!

Why is it called the Worm Moon?

The full Moon names used by The Old Farmer’s Almanac come from a number of places, including Native American, Colonial American, and European sources. Traditionally, each full Moon name was applied to the entire lunar month in which it occurred, not only to the full Moon.

The Worm Moon

March’s full Moon goes by the name Worm Moon, which was originally thought to refer to the earthworms that appear as the soil warms in spring. This invites robins and other birds to feed a true sign of spring!

An alternative explanation for this name comes from Captain Jonathan Carver, an 18th-century explorer, who wrote that this Moon name refers to a different sort of “worm” beetle larvae which begin to emerge from the thawing bark of trees and other winter hideouts at this time. Source: almanac.com

Air-Fryer Brussels Sprouts Recipe

Servings: 8 | Serving Size: 3/4 cup | Calories: 107 | Fat: 3.9 g | Protein: 6.5 g | Carbs: 14.9 g | Fiber: 5.8 g |

Sodium: 323 mg | Cholesterol: 4.4 mg | Sugar: 4 g

Ingredients:

• 2 ½ pounds Brussels sprouts, trimmed and halved lengthwise

• 4 slices center-cut bacon

• 1 large red onion, roughly chopped

• 1 tablespoon extra-virgin olive oil

• ¾ teaspoon salt

• ¼ teaspoon ground pepper

• 2 tablespoons fresh lemon juice

• 2 teaspoons fresh thyme leaves

Directions:

Step 1

Place bacon in a single layer in the basket of an air fryer. Air-fry at 400 degrees F until the bacon is crisp, about 14 minutes, flipping once halfway through. Transfer to a paper-towel-lined plate.

Step 2

Toss Brussels sprouts, onion, oil, salt and pepper in a large bowl. Place about half of the Brussels sprouts mixture in a single layer in the air fryer basket. Air-fry at 375 degrees F until browned and crispy, 14 to 16 minutes, flipping once halfway through. Transfer to a serving platter. Repeat with the remaining Brussels sprouts mixture. Drizzle with lemon juice; sprinkle with thyme. Crumble the cooked bacon over the top.

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. Also, for your “loyalty” “dedication” and “perseverance”, Loyalty Pawn contribute 3% of your gross wages into your 401k account an employer contribution weekly this is whether you defer pre/post tax dollars or not. Just another way of saying, “Thank YOU! We appreciate YOU”

Contact Employee Services at employeeservices@loyaltypawn.com Start saving for retirement’s tomorrow, today!

COVID | Sacramento Update

Sacramento County Health Officer Rescinds Local Health Orders – In alignment with the State, effective immediately, the Sacramento County Health Officer is rescinding the July 26 Health Order requiring all individuals to wear face coverings indoors, as well as the January 6 Health Order directing all public meetings be held virtually. Per order of CDPH, all unvaccinated individuals will continue to be required to wear face-coverings in all indoor pubic settings.

The State's masking requirements regardless of vaccination status remains in effect for public transportation; healthcare settings; congregate settings; long-term care facilities; and in K-12 schools and childcare settings. In workplaces, employers are subject to the Cal/OSHA requirements.

https://www.saccounty.gov/COVID-19/Pages/default.aspx

State Provides a Portal to Access Your Digital COVID-19 Vaccine Record - You can safely access your digital vaccine record for free at MyVaccineRecord.CDPH.CA.GOV by entering your name, DOB, and phone/email associated with your vaccine record.

Then create a four-digit PIN that generates a special QR code so you decide how and when to share your vaccination record. This is an optional means to obtain your COVID-19 vaccine information and is the digital version of your paper vaccine card. It is one of the options to show proof of vaccination - the QR code will work with specific types of QR readers. However, the State is not implementing a mandatory passport system in California. Learn more and access your digital vaccine record by going to https://myvaccinerecord.cdph.ca.gov/

Vaccinated and Traveling? - See CDC’s latest recommendations for travel in the U.S.: https://www.cdc.gov/coronavirus/2019-ncov/travelers/travel-during-covid19.html

COVID-19 News & Updates Archive - Find specific Sacramento County COVID-19 news and information or go to Sac County News to learn about the latest news in Sacramento County.

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

employeeservices@loyaltypawn.com

Loyalty Pawn

Corporate Office: 1708 Broadway

Sacramento, Ca 95818