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NO PURCHASE IS NECESSARY TO ENTER.

Eligibility: This Sweepstakes is open only to customers who receive notice of this Sweepstakes and, as of the beginning of the Sweepstakes Period, are eighteen (18) years of age or older. Embrace employees, their immediate family members, and any other persons employed in connection with this Sweepstakes are ineligible to participate. Limited to one entry per borrower.

Sweepstakes Period: Entries will be accepted any time between when you receive this Sweepstakes Notice and June 30th, 2021, 11:59:59 p.m. EST.

How to Enter: The Sweepstakes may be entered in any of the three following ways: (1) Instagram -Simply post a photo to your Instagram page and tag @teamschulze in the photo. (2) Facebook - Post the photo to your personal page and "check in" at The Schulze Lending Team, NMLS #893690, Embrace Home Loans. (3) E-mail - Or, if you're not on social media or just a little shy, you can participate in the Sweepstakes simply by e-mailing [email protected] with "EHL Sweepstakes 2021" in the subject line. By submitting your photo, you are consenting for us to post it on social media.

Prizes: There will be one (1) winner of the Sweepstakes. The winner will receive a $250 Amazon gift card (ARV: $250), which can only be used to purchase eligible goods and services on Amazon.com and certain related sites as provided in the Amazon.com Gift Card Terms and Conditions.

Winner Selection and Notification: Winner will be selected by a random drawing from among all entries determined to be eligible by Embrace and announced within seven (7) business days after the end of the Sweepstakes Period. The odds of winning depend on the number of eligible entries received. The Winner will be personally contacted by email or phone and the Prize will be delivered to the Winner's postal address or via email.

Legal Disclaimers: Receipt by Winner of the prize offered in this Sweepstakes is conditioned upon compliance with any and all national, state, and local laws and regulations, as well as compliance with any additional Instagram or Facebook requirements. This Sweepstakes is in no way sponsored, endorsed, or administered by, or associated with, Instagram or Facebook. By participating, you expressly release Facebook and/or Instagram, as applicable, from any and all liability in connection with this Sweepstakes.