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Lloyd was a member of the U.S. Army security detachment for Anchorage, Alaska and one of the soldiers fighting the Chinese invaders when they first attacked the Alaskan town. During the attack he recorded two holotapes, describing the situation.
It is unknown whether Lloyd actually existed in the Fallout universe and whether his story is "real" since his only mention is inside the Anchorage Reclamation simulation which is not historically accurate.