Letter from the President

Hello Team Loyalty,

Huge October for us, with record loan growth and record interest. Congratulations and Thank You!! Along with obtaining these great numbers Cody and Team El Camino completed their remodel and it looks GREAT. I know Cody had a lot of help from many Loyalty Pawn team members so I would also like to say Thank You to all that helped out. I know that Cody and everyone with Team El Camino also very much appreciate the extra hands that were there. If you have not seen Broadway or El Camino yet you should swing by and check it out all locations will be going through the transition soon and if you have not seen the new look I feel you will start to get excited about the new look for your store when you see it.

With Halloween behind us, it already seems like Christmas is here. I was shocked to see the grocery stores filled with Christmas decorations and Christmas candy the day before Halloween. It just goes to show how fast the holidays are approaching. I really have no idea where this entire year has gone! For the next two months, I would like to challenge each of us to set a sales goal total for yourself. I set one for me at the beginning of October for Q4(4tht Quarter) of $100,000.00. I did not do great in October with Only about $8,000.00 in sales but I am not discouraged I WILL hit my goal. Sales goals are important for the company and especially during the holidays. Set your goals and reach them. A saying that we learned from the Canadian Group and Smart Financial that I think applies to this goal setting “Be the best at what we do, EVERYDAY”

We are looking forward to implementing many of the tremendous take-a-ways we learned from our visit to the Edmonton, Canada PCG Focus Group as well as the great California Pawnbrokers Conference in Palm Springs. Thank You to all that took time away from their store, their friends and their families, I know that it can be hard sometimes to leave but we try to make these trips fun and not all about work. I do believe that these trips are an invaluable investment to Loyalty Pawn and is one of the reasons we stay on the cutting edge of the pawn industry. I also feel it is the correct business practice to share our business successes and best business practices with our industry families. I feel fortunate to be in this industry every day, I have made lifelong friends in the industry and I truly believe that the Loyalty Pawn family is very much a real family.

Gratefully

Stan Lukowicz, III