Loyalty Pawn's Three Balls Chronicle Volume 4 Issue 10

THREE BALLS CHRONICLE

VOLUME 4 / ISSUE 10

October 2021 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 September

Loyalty Pawn’s Core Goals, Values and Visions

Employee Services Corner

Team Loyalty!!

It is getting close to the end of the year as we move into the 4th quarter. Thank you again to everyone for all your hard work that everyone puts in everyday, you guys are still doing an amazing job even with everything that has gone on in the past year and we are slowly getting back to normal which is exciting. 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. Keep doing an amazing job Team Loyalty and let’s make the rest of 2021 amazing!!

Letter from the President

Hello Team Loyalty,

Can you believe Fall is here and with that comes the Fourth Quarter? We had another great loan growth month in September, we are growing strong. We also had our second highest revenue month for the year. That is mostly due to our corporate scrap and bullion sales, however with that being said, El Camino and Florin both hit and exceeded their month instore sales goal. Way to go Team Elco and Team Florin. On another note, Team Florin hit their annual sales projection in September and by the time we all receive this newsletter Team Elco will have already surpassed their annual goal.

With all of those great accomplishments we have done company widen in September and for the overall year, we need to keep in mind that the Fourth Quarter is here and should be our largest revenue quarter of the year. So, let's start pushing our sales and encourage our clients to prepare for the holidays. Inventory in retail brick and mortar is projected to be low due to shipping demands and delays, so we have a great opportunity to take advantage of the retail markets low inventory and provide our clients and hopefully new clients with our great selection of previously loved inventory. We will do our best to keep our inventory jewelry, luxury goods and general merchandise. We can make our Q4 the best our company has ever experienced.

Golden 1 Arena is open, Kings Games, Concerts, and More. See the attached October calendar and if there is any event contact your manager and have them help you go through the process to request tickets. This year we have 4 tickets to all events. Golden 1 Arena DOES require a vaccination card or a recent (I believe 3 days prior to event) in order to gain access, so please be prepared if you request an event so the tickets do not go to waste and so you will be able to enjoy the event you requested. Enjoy!!! Disney on Ice is the end of the month and Kings games have started. Go Kings!!

Gratefully,

Stan Lukowicz, III

A Letter from the General Manager

Hello everyone,

One of my favorite times of the year, Fall! I predict this is going to be a busy time for us all. Has anyone else noticed the societal worry, pace, and rude demeanor? I certainly have. I have witnessed increasing short tempers, less customer service in businesses, and a higher expectation for people to be served. I believe the expectation for good service has always been the case throughout many industries that cater to clients and the public. It feels like a more constant flow of people who are out and about to be on edge. I wanted to mention what I have seen amongst our teams at different locations.

I have observed overwhelming patience and grace when dealing with our clients. The simple things that I have noticed from team members are smiles. Something as small as a smile when conversing with our clients or one another goes a long way. We have set in stone our vision, values, and goals. Seeing the VVG's at work is incredible. I have enjoyed seeing in live-work environments the professionalism that team members exude during these tumultuous times. Working together is an excellent example of why I'm proud to work at Loyalty Pawn with incredible people.

We love to highlight the top salespeople for the month and, in this case, for the quarter as well. Dominic T. got first place selling $29,454.03, Tony M. 2nd place selling $22,861.17, and Paul M. 3rd place selling $19,789.36. By this time, It is very much worth mentioning Dominic's superior ability to be top 3 every month. Dominic has been the excelling leader of sales for quite some time.

I know Dominic looks forward to 1st place as much as possible, but he also does not shy away from other challengers. It is also worth noting the sales increase from Paul M. Paul has always been savvy at pumping out the deals. Now, we have taken notice of his sales skills. Excellent job, guys. I also wanted to mention the top three salesmen for the quarter. 1st place, Dominic T. 2nd place, Paul M. and 3rd place Josh Bonton. The sales accomplishments don't go unnoticed. Josh, Paul, and Dominic all qualify for a higher bonus percentage for quarter 4.

Congratulations teams!

To conclude, October is here. Let's use some creativity for October and get the stores dressed up for the Halloween spirit! Stan and I look forward to visiting the stores this month to check out the unique decorating. Let's keep it fun and innovative.

Sincerely,

Wayne Silliman General Manager

Tough times don't last.

Tough teams do. – Robert

Schuller

Loyalty Pawn Family

Greetings Loyalty Family,

Finally, we are getting some cooler weather. Fall is finally upon us, and as I like to call it the home stretch for the year. This is a perfect time to regroup and figure out what needs to be done to not only hit our goals but blow them out of the water. Mark and the Florin team are working very hard in becoming the first store to hit $1,000,000 in sales, I personally think they are going to surpass that goal very soon. October is also a special month Mr. Joseph is getting married so best wishes to the newlyweds. As most of you all know we have some big projects coming along with some great opportunities. “When one door closes another door opens; but we often look so long and so regretfully upon the closed door that we do not see the one which has opened for us.” Alexander Graham Bell

1. Who is your hero and why? I am not sure if I have a hero, I admire some people for what they achieved in their life, or who they are. I wish I could do the same, fulfill my dreams as they did.

2. What is your favorite family vacation? Spending some time with my family at the beach, cooking, eating, swimming and repeat.

3. What did you want to be when you were small? I wanted to work at a bank, because as far as I understood the bank teller was giving away money to everyone. I wanted to do the same.

4. What is your favorite game or sport to watch and play? I love watching the Olympic Games, then I try to play soccer, tennis, volleyball…

5. What would you sing at karaoke night? Any Carole King or Lady Gaga song.

6. Have you ever had a nickname? What is it? No.

7. Would you rather win the lottery or work at the perfect job? And why? I wish I could win the lottery; I then will work for fun.

8. Who would you want to be stranded with on a deserted island? Someone I haven’t seen for a while, so we could catch up on what we’ve been doing for the past years.

9. If you could go back in time, what year would you travel to and why? I don’t want to travel back in time.

10. How would your friends describe you? I think they would say that I am nice and trustworthy person.

11. What is the worst gift you have ever received? As I said before, I am a nice friend, so I never received a bad gift.

12. What are some of your hobbies? Listening to music, cooking, going out for a run or walk.

13. If you were a super-hero, what powers would you have? I wish I could be Aquaman because he can breathe underwater.

14. What would you do if you won the lottery? Call my family, pay for a good vacation together.

15. What is the tallest building you have been to the top of? The One World Observatory in New York City.

16. What is your favorite holiday and why? I like New Years Eve holiday, to have a wonderful last meal of the year, and to welcome the new year partying.

17. What is your favorite sports team? The one that makes me win when I bet on it.

18. What is one of your favorite movies? Forrest Gump is one of my favorite movies.

19. What three items would you take with you on a deserted island? A box of matches, a solar lamp, and a pan.

20. What was your favorite subject in school? Geography was the best!

21. What are the most unusual things you’ve ever eaten? Snails, and I love them.

22. Do you collect anything? Small perfume bottles.

23. What three things do you think of the most each day? Chocolate, bread, and cheese.

24. On a scale from 1-10 how funny would you say you are? 8

25. Where do you see yourself in 6 months? I don’t know, I let life surprise me.

Shop Talk Manager Updates

El Camino

Team Loyalty,

The skies are clear here at the Loyalty Pawn grounds as we enter the last stretch of the year. The gates slam as they open, and we are off team El Camino ready to take on the challenges and the clients as we make room for more inventory and high profitable month. With new team members and the grateful help, we introduce Caroline Fonseca bi-lingual and eager! Also, we would like to welcome Norma to team El Camino another hard working bi-lingual team member. With a great team comes great attributes, As we closed last month at 70k we are in line for that million-dollar mark our goal is to hit 73k per month till the end of the year. But I'm always a reach for the moon kind of guy we're going to push for 80k. With that being said new inventory will be dispersed to all stores such as luxury handbags. On another note, I hope everyone is staying safe and have a safe Halloween. Make sure you share all these killer prices with friends and family.

Tony Mora

Florin Mall

Loyalty Pawn Families,

I hope everyone is doing well. Wow I cannot believe we are going into the last quarter of 2021 already. Like what we say at the end of every year, Wow time sure does fly by. Where has 2021 gone. Well Halloween is around the around the corner and I’m excited to see these awesome costumes on the 31st Spooky time we are in and wanted to give a big shout to Team Florin for staying on top and hitting these amazing numbers. We are shooting for the moon in this last quarter. We are also excited to see what the outcome is going to be at the end of the year. We still have a few of the biggest sales month coming up. We have also hit an all-time high in our loan balance at $1.5million which was a long-time goal for Team Florin. We also notice that the EDD money has slowed down and people are coming in for more loans, that means we are growing which is great. Like I have mentioned earlier Team Florin is going to shoot for the moon and trying to close the end of the year with $1.25 million in sales. We are trending to hit $1.1million, that means team Florin needs to sell at least $119k each month to hit that goal. I am very confident that we can do it. Well, we are coming into the last few months of 2021, and I wish everyone a very safe Halloween and safe Holidays coming up. Let’s kill it this last quarter. Team Florin wants to have a friendly to see who can take 1st place in sales this month. LET’S GO!!!!!!!

“THE SECRET OF THE FUTURE IS HIDDEN IN YOUR DAILY ROUTINE” Lock in those layaways. Happy Halloween everyone from team Florin.

Mark Xiong

Roseville

Hello Team Loyalty,

I hope everyone is looking forward to having a great Q4! We are coming into the best sales time of the year. The Holiday season is here, and I know everyone is ready to crush it. Speaking of crushing it I’m so proud of the Roseville team, Dom T., and Joe T. both finished in the top 3 for sales in Q3. It is such an awesome feeling knowing that the Roseville team has two of the best SLA’s in the business. I know how hard they work for each

and every sale and it’s a great validation to see them at the top. Well done Dom and Joe! Let’s all keep up the great work and finish the year strong.

Fun Fact: A forecast by Mastercard SpendingPulse said holiday retail sales should rise 7.4% from a year earlier and climb 11.1% on a two-year basis, fueled by a rebound in in-store shopping and persistent consumer demand.

Justin Martinez

Broadway

Hello Everyone,

Scrub a dub dub Broadway is coming to you from in the tub! Hello Broadway fans! Welcome back to this wonderful newsletter where I come up with ways to make it interesting to read about what goes on here at 1708 Broadway. Well it 's that time of year again... Halloween-nope, Thanksgiving-no. Now your probably wondering how John could possibly be talking about Christmas before Halloween and Thanksgiving! Well surprise, I can! (I write the updates for the store). If you are a Christmas hater move on to reading something else. All of the Broadway team have been reminding customers about our lay away program and letting them know it's never to early to start your Christmas shopping. We have been clearing out the old and rearranging. We ready to receive some west sac inventory. New shelves wider isles... Bring on the loans and inventory! It's Beginning to look a lot like Christmas... Broadway out!

John Mark

West Sacramento

Hello Team,

A big part of the West Sacramento team is gone but definitely not forgotten. Jose Velazquez has moved on to a different career path, he will be missed. As most of you have heard we are going to be moving and consolidating the West Sac store with Broadway. The team and I have already begone to break down the store and will be completely moved over if everything goes well by 10.22.21. We have distributed the team to other locations. Norma has gone to the El Camino team, Bailey and Jason will be joining the Broadway team and Brandy will be going to team Florin. There are a lot of moving parts to this move, but we strongly believe this is the decision for the direction that we want to go and the opportunities that it will bring. When one door closes, another opens; but we often look so long and so regretfully upon the closed door that we do not see the one which has opened for us.

Alexander Graham Bell

Javier Becerra

Golden 1 Center Upcoming Events

We have some exciting news!! The Golden 1 Center is finally opening back up to have events. Below are 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!

October 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 suggest ions 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

MARCH – Aquamarine

FEBRUARY Amethyst

MAY – Emerald

JULY – Ruby & Tourmaline

Anniversaries, Birthdays and New Hires

October Anniversaries

Kirby Erlanger 2 years

Joshua Bonton 5 years

October Birthdays

John Mark October 15th

Stan Lukowicz October 27th

September New Hires

We would like to welcome our recent new hires to our Loyalty Pawn family. Caroline Fonseca to the El Camino team, welcome

Caroline!!

TOP PERFORMERS IN SEPTEMBER

Loan/Buy/Layaway End of Month Balances

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

Loyalty Pawn Employee Services Corner

October Is Healthy Lung Month

We rarely think about breathing except when we have trouble doing so. That’s why every October is Healthy Lung Month. Numerous organizations have joined forces to educate the public about the importance of protecting our lungs against general neglect, bronchitis, mold, air pollution and smoking. The bottom line is that if we take care of our lungs, our lungs will take care of us.

History of Healthy Lung Month

Lung health has been a concern throughout human history and a phenomenon that has intrigued doctors, health workers and scientists. Diseases such as tuberculosis, the flu and many other airborne ailments have been around for a long time, looming over societies like a deadly blanket. Tuberculosis, or TB, has been among the most prominent lung diseases in history, with traces of it even being found in ancient Egyptian mummies. It was tuberculosis that prompted the start of the American Lung Association in 1904. More recently anti-smoking movements have joined in the healthy lung movement. Cigarette packaging warnings were established in 1966 and years of campaigning have successfully led to the change in perception of smoking among the American public, with Americans now realizing smoking is a major cause of cancer.

Lung disease affects a huge number of Americans. Around 10 million are diagnosed with chronic bronchitis each year, 25 million are believed to be living with asthma, and over 150,000 die from lung cancer annually. Our lungs are important and Healthy Lung Month is an opportunity to create awareness around healthy lifestyle choices.

Tips for Keeping Your Lungs Healthy

Prevention is the best medicine and working to keep your lungs healthy is much more efficient than trying to repair them after something goes wrong. To keep your lungs healthy, do the following:

ü Stop smoking and avoid secondhand smoke or environmental irritants.

ü Eat foods rich in antioxidants

ü Get vaccinations against airborne respiratory diseases like the flu, pneumonia, and of course COVID 19, to lower risk of getting sick. This, too, can help prevent lung infections and promote lung health.

ü Exercise more frequently which can help your lungs function properly

ü Improve indoor air quality. Use tools like indoor air filter and reduce pollutant like artificial fragrances, mold and dust.

Monthly Moves: Diaphragmatic Breathing

Diaphragmatic breathing, or “belly breathing,” engages the diaphragm, which is supposed to do

most of the heavy lifting when it comes to breathing. This technique is particularly helpful in people with COPD, as the diaphragm isn’t as effective in these individuals and could be strengthened. The technique is best used when feeling rested. If you have COPD, ask your doctor or respiratory therapist to show you how to use this exercise for best results.

According to the COPD Foundation, you should do the following to practice diaphragmatic breathing:

ü Relax your shoulders and sit back or lie down.

ü Place one hand on your belly and one on your chest.

ü Inhale through your nose for two seconds, feeling the air move into your abdomen and

ü feeling your stomach move out. Your stomach should move more than your chest does.

ü Breathe out for two seconds through pursed lips while pressing on your abdomen. Repeat.

Recipe: Walnut-Rosemary Crusted Salmon

Servings: 4. Serving Size: 3 oz.

Calories: 222 | Fat: 12 g | Protein: 24 g | Carbs: 4 g | Fiber: 0 g | Sodium: 256 mg | Cholesterol: 62 mg

Ingredients:

• 2 teaspoons Dijon mustard

• 1 clove garlic, minced

• 1/4 teaspoon lemon zest

• 1 teaspoon lemon juice

• 1 teaspoon chopped fresh rosemary

• 1/2 teaspoon honey

• 1/2 teaspoon kosher salt

• 1/4 teaspoon crushed red pepper

• 3 tablespoons panko breadcrumbs

• 3 tablespoons finely chopped walnuts

• 1 teaspoon extra-virgin olive oil

• 1 (1 pound) skinless salmon fillet, fresh is always best, but frozen will work too

• Olive oil cooking spray

• Chopped fresh parsley and lemon wedges for garnish

Directions:

1. Preheat oven to 425 degrees F. Line a large, rimmed baking sheet with parchment paper.

2. Combine mustard, garlic, lemon zest, lemon juice, rosemary, honey, salt and crushed red pepper in a small bowl. Combine panko, walnuts and oil in another small bowl.

3. Place salmon on the prepared baking sheet. Spread the mustard mixture over the fish and sprinkle with the panko mixture, pressing to adhere. Lightly coat with cooking spray.

4. Bake until the fish flakes easily with a fork, about 8 to 12 minutes, depending on thickness.

5. Sprinkle with parsley and serve with lemon wedges, if desired. Just for fun October Days…Have fun with these fun and kooky celebrations!

Oct. 4: International Ships-in-Bottles Day

Oct. 6: National Noodle Day

Oct. 16: National Fossil Day

Oct: 24–Nov. 11: World Origami Days

Oct. 25: Frankenstein Friday

The Full Hunter’s Moon

October’s full Moon, known as the Hunter’s Moon, arrives on Wednesday, October 20. Like September’s Harvest Moon, the Hunter’s Moon is closely tied to the autumnal equinox. October Meteor Showers. Also keep an eye

out for the Draconid meteor shower in the late evening of October 9, and the Orionid meteor shower in the predawn hours of October 21–22.

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 | MASK & SOCIAL DISTANCING UPDATES

Vaccine Updates

Federal employers and contractors are required to be fully vaccinated by 12/08/2021 or employers face noncompliance fines. And private employers with 100+ employees are required to mandate the vaccine for their workforces. Details by the OSHA ETS to be released soon.

While Loyalty Pawn is not required under either mandate as summarized above, if you’re considering the vax, here are some great resources.

https://www.saccounty.net/COVID-19/Pages/CoronavirusVaccine.aspx

-OR-https://dhs.saccounty.net/PUB/Pages/Communicable-Disease-Control/Vaccine-Registration-for-EligibleIndividuals-in-Sacramento-County.aspx The vax is FREE to anyone who wants it!

Additionally, California COVID Supplemental Sick Leave Pay is now expired. Need COVID related time off? Please call or email Loyalty Pawn’s Employee Services for resources and updates to help you keep you and your co-workers safe.

CDC now recommends that vaccinated individuals wear face coverings in indoor public settings in areas of substantial or high COVID-19 transmission (https://www.cdc.gov/coronavirus/2019-ncov/vaccines/fullyvaccinatedguidance.html) and effective July 30th, California Sacramento County Dept of Health now mandates all mask wearing for public places indoors regardless of vaccination status.

CDPH requires face coverings in specific indoor public settings and recommends that individuals wear face coverings in all other indoor public settings, regardless of their vaccination status. (https://www.cdph.ca.gov/Programs/CID/DCDC/Pages/COVID-19/guidancefor-face-coverings.aspx

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