Moomoo Engine Introduction and T&C

Moomoo Engine is a subscription-based membership. By subscribing to Moomoo Engine, you will receive certain premium membership benefits, products, and information, including:

(ⅰ) higher interest rates relative to non-members on uninvested cash deposited through the Cash Sweep Program provided by "Moomoo Financial Canada Inc. ('MFC'), with an APY of up to 6% on eligible balances, (ⅱ) the ability to access priority customer service, (ⅲ) access to Level 3 stock market data (including Nasdaq TotalView and NYSE Arcabook), (ⅳ) a monthly reward that lets you choose one of two commission discounts, and (ⅴ) additional complimentary access to the investment features included in the following feature packages (AI, Technical, Fundamental and Options).

*The features included in these packages are additional benefits of the membership service. If you wish to purchase these product features individually instead of subscribing to Moomoo Engine, please go to the "Me" tab in the moomoo App > "Market data" > "Premium Data".

†The Monthly Reward may be claimed once per month; you must choose one of the two options. An unclaimed reward for a given month does not carry over to the next month.

Subscription Terms

ELIGIBILITY

Eligibility requirements are available only to customers of Moomoo Financial Canada Inc. who HAVE opened a brokerage account. However, the Eligibility requirements are not applicable for features that do not require a subscription to Moomoo Engine (such as Earnings Hub, Smart Money, Market Position Overview, Money Flow, etc.).

Once a brokerage account has been opened, the customer will automatically be granted a 30-day trial period of Moomoo Engine. This applies both to customers who open an account after the launch of the new membership program and to existing account holders at launch (including former V1 members), except for the existing V2 and V3 members described below, who receive a free subscription in place of the trial. During the trial period, you enjoy the same Moomoo Engine benefits as a paid subscriber. After the trial period ends, the customer can decide for themselves whether to proceed with the subscription.

*For existing customers: upon the launch of the new membership program, customers who are at membership level V2 or V3 as of 2:00 AM Eastern Time on September 2, 2026 will automatically receive a 90-day free subscription to Moomoo Engine, in place of the 30-day trial. Once you start using the new membership, you will no longer be able to upgrade or downgrade your membership level through the legacy membership program.

Subscription Fees

The Moomoo Engine membership is comprised of one tier with a periodic subscription fee. A monthly Moomoo Engine subscription costs $49.9 CAD, and an annual Moomoo Engine subscription $499 CAD, plus any applicable taxes collected by the app store. You can see the latest pricing for Moomoo Engine on the moomoo platforms and at the point of purchase in the applicable app store; the price shown in your app store at the time of purchase or renewal governs. Paid Moomoo Engine subscriptions (monthly or annual) are sold only through the moomoo mobile app as an auto-renewable in-app purchase, billed through the Apple App Store (iOS) or Google Play (Android); paid subscriptions cannot be purchased or managed on desktop or web. See the "Auto-Renewal and Billing" section below. Any free trial, task-based free subscription, or complimentary subscription is provided directly by Moomoo and is not an app-store purchase; a paid subscription through the app store is required only to continue on a paid basis after such period ends. You understand that Moomoo may at any time and, in its sole discretion, alter the membership fee and preferred rates and add or remove features from Moomoo Engine. Moomoo will provide you with a 30-day advance written notice of any increase to the Engine membership fee; price changes are also subject to the notice and consent mechanisms of the applicable app store. You understand that Moomoo may at any time, in its sole discretion, terminate your Moomoo Engine membership.

Free Subscription

In addition to a paid subscription, you may obtain a free Moomoo Engine subscription by completing 2 asset & trading tasks — an asset task (real-time account assets ≥ $1,000 CAD) and a trading task (≥ 10 trades). How the tasks are evaluated, and when the free subscription takes effect, depend on your current subscription status:

• In-trial or expired (not currently subscribed): Evaluated at 6:30 AM (CA local time) each day. If your real-time account assets are ≥ $1,000 CAD AND you have completed ≥ 10 trades during the trailing 30-day period, you will be granted a 30-day free subscription, effective immediately. (If you are in a trial, the resulting subscription length equals your remaining trial days plus 30 days.)

• In a free subscription: Evaluated on the expiry date of your current subscription, at 6:30 AM (CA local time). If your real-time account assets are ≥ $1,000 CAD on that expiry date AND you have completed ≥ 10 trades during the 30-day period ending on that date (i.e., from the expiry date minus 30 days through the expiry date), you will be granted the following month's free subscription, effective after your current subscription cycle ends.

• In a paid subscription: You cannot convert to a free subscription through the asset & trading tasks while a paid subscription is active.

AUTO-RENEWAL AND BILLING

Moomoo Engine is sold as an auto-renewable subscription and can be purchased only through the moomoo mobile app (iOS or Android). When you purchase a paid subscription, payment is processed by the applicable app store — the Apple App Store (for iOS devices) or Google Play (for Android devices) — and is charged to the payment method associated with your Apple Account or Google account.

If payment cannot be collected, your subscription will not be renewed and will expire at the end of the current billing cycle. You will need to manually resubscribe to restore your Engine benefits.

Both the monthly and annual plans are auto-renewable subscriptions. Auto-renewal, the timing of renewal charges, free-trial handling, taxes, and other billing mechanics are governed by and subject to the applicable app store's own subscription rules (Apple App Store / Google Play). Please refer to Apple's and Google's respective subscription terms for details.

Cancellation

You may cancel your Moomoo Engine subscription at any time. Because your paid subscription is billed through the app store, you must manage or cancel it in your app store account settings. Uninstalling the moomoo app, or turning off benefits inside the app, does not by itself cancel your subscription or stop future charges.

For the exact steps to view, manage, or cancel your subscription, please refer to the official instructions of the Apple App Store (iOS) or Google Play (Android).

You must manage, renew, or cancel your subscription using the same app store account you used to purchase it.

The deadline to cancel in order to avoid the next charge, and the effect of cancellation, are subject to the respective subscription terms of the Apple App Store and Google Play, as applicable. After cancellation, you will continue to have access to all applicable Engine benefits until the end of the current paid period; no further charges will be made unless you resubscribe.

Payments made through the app store are subject to the app store's own terms and refund policies. Except where required by applicable law, subscription fees are non-refundable. Any request for a refund of a charge made through the Apple App Store or Google Play must be submitted to Apple or Google in accordance with their respective refund policies; Moomoo does not process refunds for app-store purchases.

6% APY

**Cash Sweep rates are subject to change. The Moomoo Engine member rate provides an APY of up to 6% on eligible uninvested cash swept through the Cash Sweep Program. Moomoo Engine members who successfully open a Moomoo Canada account and complete enrolment in the Cash Sweep program by clicking on "Unlock now" in moomoo app's cash/margin account tab are eligible to activate 6% p.a. Cash Sweep. The 6% APY applies to eligible balances up to $10,000 CAD; the portion of the balance above $10,000 CAD earns 0%. The 6% APY consists of a base rate and a promotional booster rate, each subject to change at Moomoo's sole discretion with prior written notice to subscribers.

The Cash Sweep program is a feature of the brokerage account. Neither Moomoo Financial Canada Inc. nor any of its affiliates are banks.

If your Moomoo Engine subscription is cancelled, terminated, or expires for any reason, you will no longer be eligible for the 6% APY rate. The interest rate on all uninvested cash in the Cash Sweep Program will immediately revert to 0% APY upon the effective date of cancellation. No prorated interest will be paid for any partial period following the effective date of cancellation. You understand and agree that by cancelling your subscription, all Cash Sweep interest benefits are forfeited immediately.

Monthly Reward

As a Moomoo Engine member, you may claim one Monthly Reward each calendar month, choosing one of the following two options:

• 15% off US stock commissions, or

• 25% off options commissions.

Discounts apply to commission fees only and do not apply to regulatory fees, exchange fees, or other third-party charges. The maximum discount amount for either option is capped at CAD $20 per calendar month.

The reward can be claimed once per calendar month and requires your confirmation upon claiming. If you do not claim the reward within a given month, it will not carry over to the next month.

Each Monthly Reward, once claimed, is valid for the remainder of the calendar month in which it is claimed. Any unused discount will expire at the end of the calendar month and cannot be carried forward to subsequent months. Once the CAD $20 monthly cap is reached, regular commission rates will apply for the remainder of that calendar month.

If your Moomoo Engine membership is cancelled during a calendar month, any Monthly Reward already claimed and in effect will remain valid until the end of that calendar month. No new Monthly Rewards may be claimed after the effective date of cancellation.

OTHER TERMS AND CONDITIONS

1. The Moomoo App is a trading platform offered by Moomoo Technologies Inc. ("MTI"). Investment products and services available through the Moomoo App in Canada are offered by Moomoo Financial Canada Inc., MFCI is regulated by the Canadian Investment Regulatory Organization (CIRO) and is a member of the Canadian Investor Protection Fund ("CIPF"). MFCI is a Canadian securities broker-dealer specializing in Order Execution Only (OEO) services. MFCI does not provide investment advice or recommendations regarding the purchase or sale of any investments. Investors are responsible for their own investment decisions.

2. You must maintain an active brokerage account with Moomoo Financial Canada Inc. to receive the benefits from moomoo Membership. You can only receive one set of reward for this Promotion, with no more than one account enrolled per person. Each device, regardless of mobile or computer, can be entitled to only one set of reward of this Promotion. If your Moomoo account shows any signs of fraud, abuse, or suspicious activities, such as the use of multiple accounts, it shall be deemed a breach of these Terms and Conditions. In the event that you breach these Terms and Conditions or any other applicable terms, Moomoo may, at its sole discretion, terminate your eligibility to participate in this membership program.

3. Moomoo members will enjoy an APY of up to 6% for their eligible uninvested cash in the Cash Sweep program. The APY might change at any time at the partner banks' or Moomoo Financial Canada Inc.'s discretion. More information can be found in the full Cash Sweep Program Terms and Conditions

4. Other terms and conditions for the rewards may apply. Please refer to the terms and conditions for the rewards. There are expiration dates for receiving and using rewards. Failure to claim or use rewards within the specified period will result in the rewards being forfeited, and the participant is considered to have automatically waived their eligibility and the right to rewards.

5. ALL TERMS AND AGREEMENTS OF MOOMOO TECHNOLOGIES INC. AND MOOMOO FINANCIAL CANADA INC. ARE HEREBY INCORPORATED INTO THESE TERMS AND CONDITIONS, INCLUDING AND NOT LIMITED TO THEIR CUSTOMER AGREEMENT, TERMS OF USE, PRIVACY POLICY, ARBITRATION AND CLASS-ACTION WAIVER PROVISIONS. These Terms and Conditions are governed in accordance with, and all disputes arising out of or in connection with these Terms and Conditions shall be subject to the applicable "Governing Law and Dispute Resolution" provisions of the terms of Moomoo Financial Canada Inc.

6. The promotional benefits under this membership program — including, without limitation, the Cash Sweep APY of up to 6%, the Monthly Reward commission discounts, and any complimentary (free) subscription offers — are offered during the promotion period from September 3, 2026 to December 31, 2026 (the "Promotion Period"). Moomoo may, at its sole discretion and at any time, modify, extend, shorten, suspend, or terminate the Promotion Period and/or any of the associated benefits, with or without prior notice.

Disclaimer

Features including up to 6% APY, NYSE Arcabook & Nasdaq TotalView (Level 3), US Options Depth Quotes (Level 2), Institutional Research (Morningstar), Analyst Ratings, Insider Activity, Macroeconomic Data, US Stock Short Sale Analysis, Options Screener, Options Strategy, AI Summary, AI Chat, Priority Customer Service, and the Monthly Reward commission discounts are available for Moomoo Engine Members. Other conditions apply.

Options trading entails significant risk and is not appropriate for all customers. It is important that investors read Characteristics and Risks of Standardized Options before engaging in any options trading strategies. Options transactions are often complex and may involve the potential of losing the entire investment in a relatively short period of time. Certain complex options strategies carry additional risk, including the potential for losses that may exceed the original investment amount. Supporting documentation for any claims, if applicable, will be furnished upon request. Moomoo does not guarantee favorable investment outcomes.

The past performance of a security or financial product does not guarantee future results or returns. Customers should consider their investment objectives and risks carefully before investing in options. Because of the importance of tax considerations to all options transactions, the customer considering options should consult their tax advisor as to how taxes affect the outcome of each options strategy.

Additionally, brokerage accounts must maintain a cash balance to earn interest through the cash sweep program. If there is a margin balance, no cash balance is available to accrue interest.