¹No purchase necessary. The Campaign begins on November 9, 2026 at 12:00 am ET and ends on December 27, 2026 at 11:59 pm ET, with seven (7) weekly draws. There are seven (7) Rewards available to be won, one (1) per weekly draw, each consisting of one (1) Apple iPhone Duo (approximate retail value $2,999 CAD each; total approximate value $20,993 CAD). Limit of one (1) Reward per person. Open to legal residents of Canada who have reached the age of majority. Enter in the KOHO app (new Members only; identity verification and a minimum $100 CAD load required; bonus entries available) or by free email entry, which receives the same maximum number of Entries. Odds of winning depend on the number of eligible Entries received for each weekly draw. Must correctly answer a skill-testing question to be declared a winner. Rewards won through the KOHO app are subject to a 12-month account holding period, and a pro-rated portion of the Reward value must be repaid if the KOHO account is closed during that period. Apple is not a sponsor of this Campaign. Full Rules and entry details available at: https://www.koho.ca/legal/#iphoneduocontest
²Actual interest may vary depending on your KOHO account plan. Interest rate is subject to change without prior notice. Interest is per annum calculated daily but paid monthly. Terms and Conditions apply.
³Actual Cash Back may vary depending on your KOHO Account plan or merchant. Cash back rate and merchants subject to change. Terms and Conditions apply.
⁴This is a paid bundle that provides access to a range of premium features. The fee is not tied to any single product or service. Pricing starts at $2/month and the amount is based on eligibility. Terms and Conditions apply.
⁵Credit Building is not a credit repair tool and does not guarantee an improvement in credit score. Credit scores are based on a variety of factors and outcomes may vary among users.
