KOL exclusive promotion T&C uscredit101 美卡指南

Promotion Period

August 31st, 2026, 23:59 ET – September 15th, 2026, 23:59 ET ("Promotion Period").

Eligibility

• Eligibility requirements vary by promotion and are available only to customers of Moomoo Financial Inc. ("MFI") who are attributed to the specific channel.

• Offer is only valid for US residents with a valid SSN who are at least 18 years old.

• Existing brokerage customers who have made previous deposits are not eligible for these promotions.

Promotion Bonus

I. Account Opening Bonus - 8.1% APY

Eligibility: New Customers of MFI who have not opened a brokerage account before August 31, 2026, 23:59 ET.

Description:

1. New customers of MFI who have not made a deposit before August 31, 2026, 23:59 ET are eligible to earn 3.35% APY on uninvested cash in the Cash Sweep program and ONE additional 4.75% APY Booster Coupon after opening the account. The 4.75% APY Booster Rate effective period of 2 months begins as soon as it is manually activated by the user. Enrollment in the Cash Sweep Program is required to earn interest on any uninvested cash.

2. The "APY Booster Coupon" (the "Coupon") is an exclusive coupon that can be used with the Cash Sweep program (the "Program") offered by MFI.

3. "APY Booster" entitles holders of the Coupon to enjoy a higher promotional interest rate ("Booster Rate") — an extra interest payment generated by the Coupon's rate in addition to the current Cash Sweep interest rate.

4. The APY Booster Coupon must be activated before eligible cash in the Cash Sweep Account starts earning the Booster Rate. It can currently only be activated through the moomoo app, and must be activated before the expiration of the APY Booster Rate Period indicated on the coupon. Unactivated coupons expire automatically at the end of that period. Check the "My Rewards" list for the Coupon; all APY Boosters require the user to click to join to take effect.

5. APY Booster Rates apply only to the initial $20,000 in the Cash Sweep program.

6. See FAQ Question 1, or https://www.moomoo.com/us/support/topic4_459, for more on the Coupon.

7. The actual APY earned may differ depending on when the user activates the coupon, as the base rate may change. The Base Rate for eligible new users is 3.35% APY (as of December 10, 2025) and is subject to change.

II. Deposit Bonus: Cash Reward

Eligibility: Customers who deposit during the promotion period and maintain the required balance for 60 days from the date of deposit (in addition to the current new-user promotion).

Description: Cash Rewards can be used toward securities transactions and are valid for buy-to-open orders. Valid for 60 days from issuance; applicable to MFI brokerage accounts; usable only to buy U.S. market Stocks/Fund (REITs, ETF) or HK market Stocks/Fund (REITs, ETF, Leveraged and Inverse Products). Cash Rewards represent a potential credit — not a discount on purchase orders — and may be taxable. A brokerage account with MFI is required to redeem them, and redemption is only via the moomoo app. They can be combined with a Commission Discount or Zero Commission Coupon. By default, the reward with the earliest expiration is used first; if tied, the higher-denomination reward is used first. Cash Rewards are not registered, non-transferable, irrecoverable once lost, and usable only once.

Neither receipt of stock nor identification of a security in program communications constitutes a solicitation or recommendation to buy, sell, or hold. Moomoo Technologies Inc. and MFI do not provide investment advice.

III. Deposit Bonus: Free Stocks

Eligibility: New and existing MFI customers who have not made a deposit or ACAT¹ Transfer before August 31, 2026, 23:59 ET, and who will/are planning to make a deposit that settles before September 15, 2026, 23:59 ET.

Description:

1. Net deposit² ≥ $500 → $30 in NVDA fractional shares³. Must maintain average assets ("Assets" = cash + securities) ≥ $500 for 60 days to unlock.

2. Net deposit ≥ $2,000 → $100 total in NVDA. Maintain average assets ≥ $2,000 for 60 days to unlock.

3. Net deposit ≥ $10,000 → $200 total in NVDA. Maintain average assets ≥ $10,000 for 60 days to unlock.

4. Net deposit ≥ $50,000 → $400 total in NVDA. Maintain average assets ≥ $10,000 for 60 days to unlock $30+$70+$100, and ≥ $50,000 for 120 days to unlock the extra $200.

5. Net deposit ≥ $100,000 → $1,000 total in NVDA. Maintain average assets ≥ $10,000 for 60 days to unlock $30+$70+$100; ≥ $50,000 for 120 days to unlock the extra $200+$200; and ≥ $100,000 for 180 days to unlock the remaining $400.

6. Deposit bonuses are eligible only for deposits via ACH, WIRE*, or instant transfer in moomoo. Cash/securities transferred via FOP (Free of Payment) or ACATS are not eligible. (*A "wire transfer" may be called an "international transfer" or "TT transfer" by the bank.)

¹ ACATS: Automated Customer Account Transfer Service — an NSCC electronic system for transferring accounts between brokerages. ² Net deposit = Total deposit − Total withdrawal. ³ Stock value fluctuates with market conditions and is determined by the real-time quote at the moment of claim. MFI reserves the right to adjust program parameters at its discretion. Fractional shares are illiquid outside MFI and cannot be transferred; not all MFI-offered securities support fractional shares.

IV. Limited-Time Deposit Bonus: Trading Coupons (dates differ from above — see flag)

Eligibility: New and existing MFI customers who have not made a deposit or ACAT Transfer before January 1, 2026, 00:00 ET, and who will make a deposit that settles before September 30, 2026, 23:59 ET.

Description:

1. Complete a net deposit of $100 during the Promotion Period to receive $100 in Trading Coupons (10 × $10 Trading Coupons).

2. Invite a new user who has never made a deposit to complete a net deposit of $100 during the Promotion Period, and you'll receive an additional $100 in Trading Coupons (10 × $10 Trading Coupons). This referral bonus is subject to additional eligibility and rules — see the referral campaign page and its T&Cs for full details.

3. Each $10 Trading Coupon:

1. Can be used for securities transactions and event contracts.

2. Is valid for any single buy-to-open order over $100.

3. Is valid for 180 days from the issuance date; any unused coupon expires and is forfeited after that period.

Redemption mechanics: Trading Coupons have no buying power until their face value is credited to the brokerage account. Credit happens after the first eligible order (buy-to-open only) settles, within three trading days. Usability depends on order amount, product type, applicable market, and other conditions. Each coupon can be used only once per order, and can be combined with a Commission Discount or Zero Commission Coupon. By default, the coupon with the earliest expiration is used first; if tied, the higher-denomination coupon is used first. Coupons are not registered, non-transferable, irrecoverable once lost, and usable only once. Moomoo reserves the right to reclaim Trading Coupons obtained through inappropriate means (e.g., exploiting system vulnerabilities, hacking, false pretenses).

FAQs

1. What is the Cash Sweep Program? A cash management program open only to US securities accounts under MFI. Uninvested cash is automatically swept to program bank(s) to earn interest. When purchasing power is negative, cash is automatically redeemed back to the securities account before settlement to avoid financing interest; when positive, cash is deposited into program banks at 2pm ET each trading day. Full T&Cs are in the MFI Cash Sweep Program Terms and Conditions.

The sweep program (1) offers a higher interest rate than a standard brokerage cash balance, and (2) offers bank insurance higher than SIPC coverage alone. Swept cash is FDIC-insured up to $2 million, or $250,000 per program bank (inclusive of any other deposits held at that bank in the same capacity) — users are responsible for monitoring their total deposits per bank. Funds not yet swept remain in the brokerage account under SIPC protection; once swept, they're no longer SIPC-protected but are FDIC-eligible instead, subject to coverage limits.

2. When will my free stocks be available for trading?

• Step 1: Meet the promotion criteria — maintain the relevant minimum asset balance for the applicable period (per the table above) to unlock each tier. (Note: withdrawing assets during the freeze period that drops equity below threshold disqualifies that tier; a drop due to trading/market fluctuation alone can be appealed via customer service.)

• Step 2: Within 5 trading days after the waiting period ends, free stocks are added to the account and become tradable.

3. How does moomoo calculate average assets? Calculated starting the day after the free stock is drawn/received. Example: stock received Oct 21 → averaging starts Oct 22. 60-day average = sum of daily assets over the 60 days ÷ 60.

4. Where can I check daily net assets? Accounts > Total Assets > Assets Trend, for an approximate daily average.

5. Do I need a lump-sum deposit to qualify? No — an initial deposit during the promotion period plus meeting the average asset threshold is sufficient.

6. What if I can't or don't want NVDA stock as my reward? Contact customer support — a comparable-value substitute stock can be arranged.

Other Terms and Conditions

1. Open to U.S. residents 18+ with a valid SSN. MFI/affiliate employees, contractors, household members, and employees of securities regulatory organizations or exchanges are not eligible.

2. Rewards are offered by MFI. Moomoo Technologies Inc. and MFI are indirect, wholly-owned subsidiaries of Futu Holdings Ltd. The Moomoo App is offered by Moomoo Technologies Inc.; securities products are offered by MFI, an SEC-registered broker-dealer and FINRA/SIPC member. See FINRA BrokerCheck and www.sipc.org for more.

3. Limited to one reward per new account, one account per person. Requires an active MFI brokerage account. Cannot be reacquired by reopening an account.

4. If eligibility is met and the deposit qualifies but the reward isn't credited, contact customer service within 14 business days — later claims are not accepted.

5. Receipt of stock or mention of a security in program communications is not a solicitation or recommendation. MFI/Moomoo Technologies do not provide investment advice.

6. Awarded stock may be held or sold once credited; sale proceeds can be withdrawn or used to buy other eligible securities.

7. MFI reserves the right to adjust incentive program parameters at its discretion.

8. Only one trading account may be registered per person. Signs of fraud, abuse, or suspicious activity (e.g., multiple accounts) may result in forfeiture of rewards and exclusion from future promotions.

9. Each device (mobile or computer) is entitled to only one set of deposit bonuses.

10. MFI and Moomoo Technologies may terminate the program at any time without notice; other restrictions may be posted on the App/website.

11. Consult a tax advisor — bonus value may be reportable as Other Income on Form 1099-MISC. MFI/Moomoo Technologies are not responsible for tax matters related to this promotion.

12. Translations from English are for convenience only; the English version controls in case of ambiguity or dispute.

13. All MFI/Moomoo Technologies terms and agreements — including arbitration and class-action waiver provisions — are incorporated into these T&Cs. See the MFI Customer Agreement.

Arbitration & Class Action Waiver

These terms contain a pre-dispute arbitration clause and class action waiver:

• All parties waive the right to sue in court, including the right to a jury trial, except as provided by the applicable arbitration forum's rules.

• Arbitration awards are generally final and binding; a court's ability to reverse or modify one is very limited.

• Discovery (documents, witness statements, etc.) is generally more limited in arbitration than in court.

• Arbitrators need not explain their award unless all parties jointly request an explained decision at least 20 days before the first scheduled hearing.

• The arbitration panel may include a minority of arbitrators affiliated with the securities industry.

• Some arbitration forums impose time limits for filing claims; a claim ineligible for arbitration may sometimes be brought in court.

• The rules of the arbitration forum where a claim is filed (and any amendments) are incorporated into this Agreement.

• Class actions may not be brought to arbitration, nor may a predispute arbitration agreement be enforced against someone who has filed a putative class action in court (or is an un-opted-out class member), until class certification is denied, the class is decertified, or the client is excluded from the class by the court. Such forbearance does not waive other rights under this Agreement.

• Any controversy between the customer and MFI/affiliates (including officers, directors, employees, or agents) arising from this Agreement, the relationship, brokerage services, or use of the App/website — whether arising before or after this Agreement's date — will be arbitrated under FINRA's Code of Arbitration. A party unsuccessfully resisting confirmation/enforcement of an award pays the other party's costs, attorneys' fees, and expenses. Arbitration is initiated by written demand or notice of intent to arbitrate; judgment on an award may be entered in any court of competent jurisdiction.