PROMOTION PERIOD:

The Dream Big Sweepstakes (“Sweepstakes”) and Instant Win Game (“Instant Win Game”) begin 10:00 AM Eastern Time (“ET”) on September 28, 2020, and end 5:00 PM ET on November 8, 2020 (“Promotion Period”).

ELIGIBILITY:

The Sweepstakes and Instant Win Game are open to legal residents of the U.S. and its territories, including D.C. and Puerto Rico, who are 18 years of age or older as of date of entry/Game Play (as defined below), who are cardholders of a credit card issued by Synchrony Bank listed in Exhibit A of these Official Rules (each, an “Eligible Credit Card”) as of September 27, 2020, and on the date of entry/Game Play with an account in good standing as of date of entry/Game Play and prize award date (each, an “Eligible Cardholder”), except employees and their families of Synchrony Bank (“Sponsor”), and each of their affiliates, subsidiaries, advertising and promotion agencies and Don Jagoda Associates, Inc. (“Administrator”). This Sweepstakes and Instant Win Game are void wherever prohibited, and subject to all federal, state and local laws.

HOW TO ENTER/PLAY:

1. TO ENTER THE SWEEPSTAKES:

   There are three (3) ways to enter the Sweepstakes as an Eligible Cardholder:

   • Eligible Cardholders can earn one (1) entry for each qualified transaction made on their Eligible Credit Card during the Promotion Period.*
   • Eligible Cardholders can earn one (1) entry into the Sweepstakes when they sign up for eBill for an Eligible Credit Card during the Promotion Period.*
   • Eligible Cardholders can earn one (1) additional Sweepstakes entry when they play the Instant Win Game and receive a message that they have earned an additional Sweepstakes entry, as specified below.

   * To receive one (1) entry without making a qualified transaction and/or one (1) entry without signing up for eBill, or if Eligible Cardholder signed up for eBill prior to the Promotion Period, hand print name, complete mailing address, telephone number, email address and date of birth on a plain 3” x 5” piece of paper and mail in a hand-addressed, stamped envelope to: Dream Big Sweepstakes Entry, P.O. Box 7690, Melville, NY 11775-7690. Mail-in entries must be mailed separately (one (1) mail-in entry per envelope) and be postmarked by November 9, 2020, and received by November 16, 2020, to be entered into the Sweepstakes Grand and First Prize random drawings. Mechanically reproduced mailed entries are automatically void.

2. TO PLAY THE INSTANT WIN GAME:

   During the Promotion Period, Eligible Cardholders can visit www.mysynchrony.com/dreambig (the “Website”) and follow the on-screen instructions to register and play the Instant Win Game to find out if they are an Instant Win Prize winner or recipient of an additional Sweepstakes entry (the “Game Play”). For purposes of this Instant Win Game, a “day” is defined as a 24-hour period, beginning at 12:00 AM ET and ending at 11:59 PM ET each day during the Promotion Period, except for the first day, which begins at 10:00 AM ET, and the final day, which ends at 5:00 PM ET. All Game Plays must be completed by 5:00 PM ET on November 8, 2020. Limit one (1) Game Play per person/email address/Eligible Cardholder per day. Normal internet/phone access and data/usage charges imposed by your online/phone service provider or carrier will apply. Automated Game Plays, or those generated by script or bot are not eligible. All Game Plays must be complete to be eligible.

PRIZES, APPROXIMATE RETAIL VALUE (“ARV”) AND APPROXIMATE ODDS OF WINNING:

1. SWEEPSTAKES:

   One (1) Sweepstakes Grand Prize:

   The Grand Prize winner can select their choice of one (1) of the following five (5) Grand Prize Packages.

   1. Kitchen Package: One (1) Sponsor-specified Refrigerator, one (1) Sponsor-specified Smart Double Oven, one (1) Sponsor-specified Microwave, one (1) Sponsor-specified Dishwasher, one (1) Sponsor-specified Wine Cooler, one (1) Sponsor-specified Espresso Maker, one (1) Sponsor-specified Juicer, one (1) Sponsor-specified Stand Mixer, a $200 check (to Grand Prize winner only) to cover installation costs and a $6,000 check (to Grand Prize winner only) to offset taxes. The ARV of the Kitchen Package Grand Prize is $17,361.99.
   2. Outdoor Home Package: One (1) Sponsor-specified Outdoor Furniture Set, one (1) Sponsor-specified Firepit, one (1) Sponsor-specified Outdoor Patio Heater, one (1) Sponsor-specified Nine-piece Outdoor Patio Set, one (1) Sponsor-specified Three-piece Bar Furniture Set, one (1) Outdoor Gazebo with Netting, one (1) Sponsor-specified Propane Grill, one (1) Sponsor-specified Outdoor Cooler, one (1) Sponsor-specified Outdoor Pizza Oven, one (1) Sponsor-specified Inflatable Hot Tub, one (1) Sponsor-specified Outdoor Projector with Screen, one (1) Sponsor-specified Cornhole Game and a $6,750 check (to Grand Prize winner only) to offset taxes. The ARV of the Outdoor Home Package Grand Prize is $19,991.00.
   3. Home Gym Package: One (1) Sponsor-specified Interactive Personal Trainer System, one (1) Sponsor-specified Treadmill, one (1) Sponsor-specified Stationary Bicycle, one (1) Sponsor-specified Juicer, one (1) Sponsor-specified 55" Smart TV, one (1) Sponsor-specified Sound System, one (1) Sponsor-specified Massage Tool, a $250 check (to Grand Prize winner only) to cover installation costs and a $6,000 check (to Grand Prize winner only) to offset taxes. The ARV of the Home Gym Package Grand Prize is $16,643.00.
   4. Home Office Package: A new set of office furniture, awarded in the form of a $4,000 Sponsor-specified gift card, one (1) Personal Interior Design Session, awarded in the form of a Sponsor-specified gift card, $500 to an Electronics Store, awarded in the form of a Sponsor-specified gift card, $250 to a Hardware Store, awarded in the form of a Sponsor-specified gift card, $250 to an Office Supply Store, awarded in the form of a Sponsor-specified gift card, one (1) Sponsor-specified Desktop Monitor, one (1) Sponsor-specified 3D Printer, one (1) Sponsor-specified Inkjet Printer and a $6,750 check (to Grand Prize winner only) to offset taxes. The ARV of the Home Office Package Grand Prize is $17,536.00.
   5. Home Theatre Package: One (1) Sponsor-specified Home Theatre Projector, one (1) Sponsor-specified Big Screen TV, one (1) Sponsor-specified Home Theatre Sound System, one (1) Sponsor-specified Beverage Refrigerator, one (1) Sponsor-specified Universal Remote Control, one (1) Ceiling Home Theatre Projector, and a set of Theatre Room Seating, awarded in the form of a $3,000 Sponsor-specified gift card, a $500 check (to Grand Prize winner only) to cover installation costs and a $6,000 check (to Grand Prize winner only) to offset taxes. The ARV of the Home Theatre Package Grand Prize is $17,054.98.

   Five (5) First Prizes:

   Each First Prize winner can select their choice of one (1) of the following five (5) First Prize Packages.

   1. Smart Home Package: One (1) Sponsor-specified Tablet, one (1) Sponsor-specified Smart Control Console and Bluetooth Speaker, one (1) Sponsor-specified Smart Thermostat, one (1) Sponsor-specified Video Doorbell, one (1) Sponsor-specified Smart Pet Camera, one (1) Sponsor-specified Smart Light Kit. The ARV of the Smart Home Package First Prize is $1,461.00.
   2. Outdoor Home Package: One (1) Sponsor-specified Outdoor Table and Grill, one (1) Sponsor-specified Wheeled Cooler, and $150 for Grilling Food, awarded in the form of a Sponsor-specified gift card. The ARV of the Outdoor Home Package First Prize is $1,299.00.
   3. Pamper Yourself Package: Meal Delivery Service for one (1) year, awarded in the form of a Sponsor-specified gift card and one (1) Sponsor-specified Robot Vacuum. The ARV of the Pamper Yourself Package First Prize is $1,599.00.
   4. Fitness Package: One (1) Sponsor-specified Smart Fitness Class Device and subscription for one (1) year. The ARV of the Fitness Package First Prize is $1,963.00.
   5. TechnologyPackage: One (1) Sponsor-specified 65" Smart TV and one (1) Sponsor-specified Speaker System. The ARV of the Technology Package First Prize is $1,249.00.

   Winners may need to provide additional information/registration when signing up for any of the above services/subscriptions.

2. INSTANT WIN GAME:

   The total ARV of all prizes is $ 43,021.72. All prizes are Sponsor-specified. The ARV of prizes listed is subject to price fluctuations in the consumer marketplace based on, among other things, any gap in time between the date the ARV is estimated for purposes of these Official Rules and the date the prizes are awarded. If the actual purchase price of prize is less than the ARV stated herein, the prize winners will NOT be entitled to a check, cash or other form of payment for the price difference. Prizes are not transferable. No substitution or transfer of prize permitted except at the sole discretion of the Sponsor who reserves the right to substitute a prize (or portion of prize) of equal or greater value in the event the prize is unavailable. No cash redemption of prizes, except at Sponsor’s sole discretion. Taxes related to the prizes are the responsibility of the winners. All other expenses and costs not expressly listed above are winner’s sole responsibility. Limit one (1) Sweepstakes Prize, one (1) Instant Win Prize and one (1) Instant Win Opportunity per person and per Eligible Cardholder during the Promotion Period. Potential Instant Win Prize winners may be notified by email and may be required to confirm mailing address prior to prize award. Gift Cards are subject to restrictions and expiration dates may apply. Prizes are awarded “as is” with no warranty or guarantee, either express or implied by Sponsor.

   1. One Hundred Sixty-Eight (168) Daily Instant Win Prizes:

      Four (4) prizes are awarded randomly per day throughout the Promotion Period. Prizes are randomly awarded in accordance with the chart below, and prizes are updated on a weekly basis.

      Instant Win Game Prizes:

      Week Number	Instant Win Prizes	# of Prizes	ARV (each)	Appoximate Odds of Winning
      1	A Sponsor-specified Video Doorbell	7	$70.00	1 in 478,000
      1	A Sponsor-specified Instant-Print Camera	7	$100.00	1 in 478,000
      1	Six (6) Months' Credit to a Sponsor-specified Language-Learning Service	7	$89.00	1 in 478,000
      1	A Sponsor-specified White Noise Machine	7	$65.00	1 in 478,000
      2	A Sponsor-specified Celebrity Online Class	7	$90.00	1 in 478,000
      2	A Sponsor-specified Air Fryer	7	$90.00	1 in 478,000
      2	A Sponsor-specified Smart Speaker w/Virtual Assistant	7	$70.00	1 in 478,000
      2	A Sponsor-specified Tool Set	7	$75.00	1 in 478,000
      3	A Pair of Sponsor-specified Bluetooth Headphones	7	$100.00	1 in 478,000
      3	A Sponsor-specified Lunch Bag	7	$80.00	1 in 478,000
      3	A Sponsor-specified Streaming Device	7	$49.00	1 in 478,000
      3	A Sponsor-specified Blender	7	$59.00	1 in 478,000
      4	A Sponsor-specified Firepit	7	$60.00	1 in 478,000
      4	A Sponsor-specified Collapsible Utility Wagon	7	$130.00	1 in 478,000
      4	A Sponsor-specified Item Tracker	7	$95.00	1 in 478,000
      4	A Sponsor-specified Virtual Assistant	7	$90.00	1 in 478,000
      5	A Sponsor-specified Fitness Scale	7	$50.00	1 in 478,000
      5	A Sponsor-specified Portable Charger Bank	7	$65.00	1 in 478,000
      5	A Sponsor-specified Work Table	7	$79.00	1 in 478,000
      5	A Sponsor-specified Electric Toothbrush	7	$90.00	1 in 478,000
      6	A Sponsor-specified Fitness Watch	7	$70.00	1 in 478,000
      6	A Sponsor-specified Adjustable Work Desk	7	$59.99	1 in 478,000
      6	A Sponsor-specified UV Sterilizer	7	$79.99	1 in 478,000
      6	A Sponsor-specified Smartphone Cinema Set	7	$60.00	1 in 478,000

      The approximate odds of winning any Instant Win Game Prize are 1 in 6,756.

   2. Instant Win Game Opportunity (420):

      One (1) additional Sweepstakes entry. The approximate odds of receiving an Instant Win Game Opportunity are 1 in 2,703.

WINNER SELECTION:

1. SWEEPSTAKES RANDOM DRAWING:

   The Grand Prize and First Prize winners in the Sweepstakes will be selected in a random drawing from among all eligible Sweepstakes entries received and postmarked during the Promotion Period as described in these Official Rules. The random drawing will be conducted on or about December 8, 2020. Drawing will be conducted by Administrator, an independent judging organization whose decisions are final on all matters relating to this Sweepstakes. Approximate odds of winning a Sweepstakes prize are dependent upon the number of eligible Sweepstakes entries received.

2. INSTANT WIN VERIFICATION:

   All potential winners/additional entry recipients of the Instant Win Game are subject to verification by Sponsor or Administrator, and verification of potential winners/additional entry recipients are final and binding in all matters related to the Instant Win Game. A participant is not a winner/recipient of any prize/opportunity, even if the Instant Win Game should so indicate, unless and until participant’s eligibility and the potential Instant Win Game winner/additional entry recipient status have been verified and participant has been notified that verification is complete. Sponsor and Administrator will not accept any Instant Win Game screen shots or other evidence of winning in lieu of its validation process. Any Instant Win Game Play that occurs after the system has failed for any reason or after the Promotion Period has ended, in Sponsor’s and Administrator’s sole discretion, is deemed a defective play and is void and will not be honored. If, due to an error of any kind, more winning names are determined as instant winners/additional entry recipients or more Instant Win Prizes/Opportunities are claimed than are intended to be awarded according to Paragraph #4, the intended Instant Win Prizes/Opportunities will be awarded in a random drawing from among all verified Instant Win Prize/Opportunities claims received. In no event will the Sponsor be obligated to award more than the stated number of Prizes/Opportunities. Use of automated Game Play devices or programs is prohibited. The Sponsor and its agencies assume no responsibility for any injury or damage to participants’ or to any other person’s computer relating to or resulting from entering or downloading materials or software in connection with the Instant Win Game.

   1. SECOND CHANCE DRAWING:

      All non-winning Instant Win Game Plays will be automatically entered into a second chance random drawing for any unclaimed Instant Win Game Prizes (if applicable). The second chance random drawing will be conducted by the Administrator, on or about December 8, 2020, from all eligible non-winning Game Plays received during the Promotion Period. Odds of winning a prize in the second chance drawing depend upon the number of eligible non-winning Game Plays received during the Promotion Period and number of unclaimed Instant Win Prizes (if any).

GENERAL RULES:

The potential Sweepstakes Grand Prize winner/First Prize winners will be contacted via phone/email and will be required to sign and return via email/email link a Declaration of Compliance and Liability Waiver/Publicity Release (“Declaration”) (where legal) within five (5) days of notification attempt or prize will be forfeited and an alternate winner will be selected. Declarations will be sent via email and/or overnight delivery, and Sweepstakes Grand Prize winner/First Prize winners will need to return the Declaration within five (5) days of notification. Instant Winners will receive their prizes approximately 8-10 weeks after winner verification. Return of any prize or prize notification as undeliverable will result in disqualification and alternate winner selection. Winners must have an account in good standing as of prize award date in accordance with the terms described in their applicable Eligible Credit Card agreement in order to receive a prize. In the instance of co-applicant cardholders, the winner is the primary cardholder. Prizes are non-transferable and no substitutions are allowed, except by the Sponsor, who reserves the right to substitute a prize of equal or greater value. Acceptance of prize constitutes permission to use winners’ names, photographs and likenesses for publicity purposes without further compensation except where prohibited by law. The Sweepstakes Grand Prize winner and First Prize winners will be issued an Internal Revenue Service Form 1099 with respect to the Grand Prize and First Prize amounts; all taxes with respect to such Grand/First Prizes are the sole responsibility of the Grand Prize and First Prize winners. Under no circumstances should entrants give their credit card account number, or any information regarding their account, over the phone/mail/email in connection with this Sweepstakes/Instant Win Game. Entrants agree to be bound by these Official Rules and the decisions of the judges. BY ACCEPTING A PRIZE/OPPORTUNITY, WINNERS/RECIPIENTS AGREE THAT THE SPONSOR, ITS SUBSIDIARIES, AFFILIATES, ADVERTISING AND PROMOTION AGENCIES, AND ALL OF THE SPONSOR’S OFFICERS, DIRECTORS, EMPLOYEES, REPRESENTATIVES AND AGENTS WILL HAVE NO LIABILITY WHATSOEVER FOR, AND WILL BE HELD HARMLESS BY, WINNER/RECIPIENT FOR ANY LIABILITY FOR ANY INJURY, LOSS OR DAMAGES OF ANY KIND TO PERSONS, INCLUDING DEATH, AND PROPERTY, DUE IN WHOLE OR IN PART, DIRECTLY OR INDIRECTLY, FROM THE ACCEPTANCE, POSSESSION, USE OR MISUSE OF A PRIZE/OPPORTUNITY OR PARTICIPATION IN THIS SWEEPSTAKES/INSTANT WIN GAME OR PARTICIPATION IN ANY SWEEPSTAKES/INSTANT WIN GAME OR PRIZE RELATED ACTIVITY. All entries and Game Plays become the sole property of Sponsor and none will be returned. All prizes will be awarded to the primary cardholder of the Eligible Credit Card associated with winning entry/Game Play. If for any reason the Sweepstakes/Instant Win Game is not capable of running as planned, including due to infection by computer virus, bugs, tampering, unauthorized intervention, fraud, technical failure, human error or any other causes beyond the control of Sponsor that corrupt or affect the administration, security, fairness, integrity or proper conduct of the Sweepstakes/Instant Win Game, Sponsor reserves the right to cancel, terminate, modify or suspend the Sweepstakes and award the Sweepstakes Prizes in a random drawing from among all eligible entries received prior to cancellation. In the event of cancellation of the Instant Win Game, Sponsor will award all Instant Win Prizes claimed prior to the date of cancellation and award the remainder of the Instant Win Prizes/Opportunities in the second chance drawing. Sponsor is not responsible for typographical or other error in printing of the offer or administration of the Sweepstakes/Instant Win Game or announcement of the prizes. If there are any discrepancies between printed materials and the Official Rules, the Official Rules will govern and control. Sponsor assumes no responsibility for any error, omission, interruption, deletion, defect, delay in operation or transmission, communications line failure, theft or destruction, or unauthorized access to, or alteration of, entries or Game Plays. Sponsor and Administrator are not responsible for technical, hardware or software malfunctions, telephone failures of any kind, lost or unavailable network connections, or failed, incorrect, inaccurate, incomplete, garbled or delayed electronic communications, whether caused by the sender, by any of the equipment or programming associated with or utilized in the Sweepstakes/Instant Win Game which may limit the ability to participate, or by any human error which may occur in the processing of the entries or Game Plays and administration of the Sweepstakes/Instant Win Game. Sponsor reserves the right at its sole discretion to disqualify any individual that tampers or attempts to tamper with the entry process/Game Play process or the operation of the Sweepstakes/Instant Win Game or Website; violates these Official Rules; acts in an unsportsmanlike or disruptive manner; or acts with intent to annoy, abuse, threaten or harass any other person. The use of script, macro or automated devices (or any other devices intended to automate or subvert any aspect of participation) to play or enter is prohibited. If Administrator, in its sole discretion, determines that an entrant has used an automated or similar device to play or is otherwise in violation of these Official Rules, all Game Plays, entries and prize claims from that entrant and email address will be void. CAUTION: ANY ATTEMPT BY AN ENTRANT TO DELIBERATELY UNDERMINE THE LEGITIMATE OPERATION OF THE SWEEPSTAKES/INSTANT WIN GAME MAY BE A VIOLATION OF CRIMINAL AND CIVIL LAWS, AND SHOULD SUCH AN ATTEMPT BE MADE, SPONSOR RESERVES THE RIGHT TO SEEK DAMAGES FROM ANY SUCH PERSON TO THE FULLEST EXTENT PERMITTED BY LAW.

JURISDICTION:

EACH ENTRANT AGREES THAT: (1) ANY AND ALL DISPUTES, CLAIMS AND CAUSES OF ACTION ARISING OUT OF OR CONNECTED WITH THIS SWEEPSTAKES/INSTANT WIN GAME OR ANY PRIZES AWARDED SHALL BE RESOLVED INDIVIDUALLY, WITHOUT RESORT TO ANY FORM OF CLASS ACTION, AND EXCLUSIVELY BY THE APPROPRIATE STATE OR FEDERAL COURT LOCATED IN NEW YORK; (2) ANY AND ALL CLAIMS, JUDGMENTS AND AWARDS SHALL BE LIMITED TO ACTUAL OUT-OF-POCKET COSTS INCURRED, INCLUDING COSTS ASSOCIATED WITH ENTERING THIS SWEEPSTAKES/INSTANT WIN GAME BUT IN NO EVENT ATTORNEYS' FEES; AND (3) UNDER NO CIRCUMSTANCES WILL ENTRANT BE PERMITTED TO OBTAIN AWARDS FOR, AND ENTRANT HEREBY WAIVES ALL RIGHTS TO CLAIM, PUNITIVE, INCIDENTAL AND CONSEQUENTIAL DAMAGES AND ANY OTHER DAMAGES, OTHER THAN FOR ACTUAL OUT-OF-POCKET EXPENSES, AND ANY AND ALL RIGHTS TO HAVE DAMAGES MULTIPLIED OR OTHERWISE INCREASED. SOME JURISDICTIONS DO NOT ALLOW THE LIMITATIONS OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO THE ABOVE MAY NOT APPLY TO YOU. EACH ENTRANT HEREBY WAIVES HIS/HER RIGHT TO CONTEST JURISDICTION FOR ANY SUCH DISPUTE OR CLAIM. All issues and questions concerning the construction, validity, interpretation and enforceability of these Official Rules, or the rights and obligations of the Entrant and Sponsor in connection with the Sweepstakes/Instant Win Game, shall be governed by, and construed in accordance with, the laws of the State of New York, without giving effect to any choice of law or conflict of law rules (whether of the State of New York or any other jurisdiction), which would cause the application of the laws of any jurisdiction other than the State of New York.

PRIVACY:

WINNERS LIST:

For a list of winners, visit the Website after January 8, 2021, through February 8, 2021.

SPONSOR/ADMINISTRATOR:

The Sweepstakes and Instant Win Game are sponsored by Synchrony Bank, 170 West Election Road, Suite 125, Draper, UT 84020-6425. The Administrator is Don Jagoda Associates, Inc., 100 Marcus Dr., Melville, NY 11747.