Referral Promotion(2025/09/26-2026/01/06) terms and conditions

Promotion Period

September 26th 2025 0:00 AM ET - December 31st 2025 11:59 PM ET (hereinafter referred as "Promotion Period").

Eligibility

This promotion is only eligible for customers of Moomoo Financial Inc. ("MFI") with a currently active brokerage account during the prescribed promotional period, and excludes any party currently under contract as a Key Opinion Leader ("KOL") with MFI or its affiliated entities.

We will NOT be able to award any bonuses to participants who no longer have active brokerage accounts with Moomoo Financial Inc. Should you need any assistant with opening an brokerage account, please do not hesitate to contact our customer service.

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

Promotion Rules

I. Regular Referral Campaign

This campaign adopts a gift box opening challenge mechanism. The specific rules are as follows:

Each gift box contains 4 rewards. For each successfully invited friend who opens a brokerage account at MFI using your exclusive referral link and completes a net deposit of ≥$100¹ during the promotion period, you will randomly unlock 1 reward from the current gift box. When you successfully invite 4 friends to meet the corresponding deposit requirement, you will collect all 4 rewards of the current gift box, which is considered obtaining one complete gift box. After obtaining the first complete gift box, you will automatically unlock the eligibility to open the second gift box. The same logic applies thereafter.

¹ Net deposit = total deposit - total withdraw

Description：

1. Invitees must be persons who have not previously registered or opened a brokerage account at MFI and who are U.S. residents over the age of 18 with a valid SSN.

2. Referral relationships expire in 30 days. No rewards if your friend doesn’t deposit within this period.

3. Cash Rewards, redeemable solely through the moomoo app, represent potential credits for eligible equity purchases in a Moomoo Financial Inc. brokerage account and hold no other value. Additional terms & conditions apply.

4. NVDA Stock Rewards will be granted as a stock coupon for fractional shares. These fractional shares are illiquid outside of Moomoo Financial Inc. and are non-transferable. Once settled, the shares may be held or sold within your account. Proceeds from any sale are available for withdrawal or to purchase other securities.

Ⅱ. Moomoo members referral bonus

Promotion Period: October 28th 2025 07:00 AM ET - December 31st 2025 11:59 PM ET

Description：

1. Invitees must be persons who have not previously registered or opened a brokerage account at MFI and who are U.S. residents over the age of 18 with a valid SSN.

2. There is no limit to the number of friends you can refer to, but you can only receive our referral bonus for the first 10 successful referrals.

3. The $50 Cash Reward can be used toward securities transactions and is only valid for buy-to-open orders over $100. The $20 Cash Reward can be used toward any securities transactions.The Cash Rewards are valid for 6 months from the date of issuance.

4. Cash Rewards, redeemable solely through the moomoo app, represent potential credits for eligible equity purchases in a Moomoo Financial Inc. brokerage account and hold no other value. Additional terms & conditions apply.

Ⅲ. Reward for Invitees

Promotion Period: November 26th 2025 4:00 AM ET - January 6th 2026 11:59 PM ET

During the campaign period, any user who has opened a brokerage account with MFI can receive a holiday gift sent by a friend. Please note that each user may only receive this gift once. The type and probability of the gift depends on the user's account status.

a. Gifts for users registered via referral link with no deposit

Description：

1. Users must be people who have not previously registered or opened a brokerage account at MFI prior to the promotion period and who are U.S. residents over the age of 18 with a valid SSN.

2. All gifts must be unlocked by completing the deposit requirement within 14 days of receipt. The specific process is as follows: after manually claiming the reward, it will remain in a locked state until you completes the required time-limited task, upon which it will be automatically unlocked. Expired reward will not be reissued.

3. The Cash Reward can be used for securities transactions. It is valid for any buy-to-open order that meets the minimum value requirement ($200 for $25 reward; $500 for $50 reward; $500 for $100 reward), and is valid for 6 months from the issuance date.

4. Cash Rewards, redeemable solely through the moomoo app, represent potential credits for eligible equity purchases in a Moomoo Financial Inc. brokerage account and hold no other value. Additional terms & conditions apply. For more information, see the Other Terms And Conditions Section (#5 and 6).

5. The invitee is eligible for new guest bonus. See Welcome Bonus for more details.

b. Gifts for users not registered via referral link or deposit users

Description：

1. The Cash Reward can be used for securities transactions. It’s valid for any buy - to - open order over $1, and is valid for 6 months from the issuance date.

2. Cash Rewards, redeemable solely through the moomoo app, represent potential credits for eligible equity purchases in a Moomoo Financial Inc. brokerage account and hold no other value. Additional terms & conditions apply. For more information, see the Other Terms And Conditions Section (#5 and 6).

3. The Cash Reward can be used for securities transactions. It is valid for any buy-to-open order that meets the minimum value requirement ($500 for $50 reward; $500 for $100 reward), and is valid for 6 months from the issuance date.

OTHER TERMS AND CONDITIONS

1. This program is open to U.S. residents, who are at least 18 years of age with a valid Social Security Number. Employees, contractors, or persons similarly associated with Moomoo Financial Inc. or a Moomoo Financial Inc. affiliate, members of their household and employees of any securities regulatory organization or exchange are not eligible for this program. All transactions and activities in this promotion are subject to applicable federal, state, and local laws and regulations. In any jurisdictions where certain actions are prohibited or restricted by law, those specific aspects of the agreement shall be rendered void. The Participant is individually responsible for ensuring strict compliance with all relevant laws.

2. The rewards in this program are offered by Moomoo Financial Inc. Moomoo Technologies Inc. and Moomoo Financial Inc. are indirect, wholly-owned subsidiaries of Futu Holdings Ltd. The Moomoo App is a trading platform offered by Moomoo Technologies Inc. Securities products available through the Moomoo App are offered by Moomoo Financial Inc., a broker-dealer registered with the SEC. Moomoo Financial Inc. is a member of FINRA and SIPC. For further information about Moomoo Financial Inc., see FINRA BrokerCheck. For further information about SIPC coverage for accounts at Moomoo Financial Inc., see www.sipc.org or request an explanatory brochure from Moomoo Financial Inc.

3. To ensure a smooth usage experience, please make sure that you are using an up-to-date version of the mobile App.

4. Moomoo Technologies Inc. reserves the right to amend, alter, or terminate the Cash Rewards program at any time and without notice. The terms and conditions above are subject to interpretation by Moomoo Technologies Inc. at its sole discretion within the scope of the law.

5. Cash Rewards are valid for 6 months from the date of issuance of the reward, and are applicable to MFI brokerage accounts. Cash Rewards represent the value of a potential credit to a brokerage account and are not discounts on your purchase orders. Cash Rewards may be taxable to you. You must have a brokerage account with Moomoo Financial Inc. to redeem Cash Rewards. Cash Rewards may be redeemed only through the moomoo app and have no other value.

6. Cash Rewards do not have any buying power until the face value of the Cash Reward is credited to your brokerage account. After the first eligible order (buy-to-open orders only) is settled, a Cash Reward amount equal to the face value of the coupon is credited to the user's brokerage account within three trading days. The use of Cash Rewards depends on the order amount, product type, applicable market, and other conditions. Cash Rewards can be used only once per order. Cash Rewards can be used in conjunction with a Commission Discount or Zero Commission Coupon. By default, Cash Rewards with the earliest expiration will be used first. If two or more Cash Rewards have the same expiration date, by default, the Cash Rewards with the higher denomination will be used first. Cash Rewards are not registered, non-transferrable, irrecoverable once lost, and can be used only once. Cash Rewards are promotion rewards, and moomoo reserves the right to reclaim Cash Rewards acquired via inappropriate means, such as exploiting system vulnerabilities, hacking, and false pretenses.

7. Neither receipt of a share of stock through this program nor identification of a particular security in communications related to this program constitutes a solicitation of the security or a recommendation to buy, sell, or hold the security. Moomoo Technologies Inc. and Moomoo Financial Inc. do not provide investment advice and does not hereby recommend any security or transaction.

8. At its discretion, Moomoo Financial Inc. reserves the right to adjust the incentive program parameters.

9. You can only register one trading account with us. If your Moomoo account shows signs of fraud, abuse, or suspicious activity, e.g., using multiple accounts, moomoo may, in its sole discretion, forfeit your stock rewards and limit your chance to participate in future promotions.

10. Moomoo Financial Inc. and Moomoo Technologies Inc. reserve the right to terminate the incentive program at any time without notice. Other restrictions may apply and will be posted on the Moomoo App/website prior to effectiveness.

11. Consult with your tax advisor about the appropriate tax treatment for this offer and any tax implications associated with receipt of a fractional shares bonus before enrolling. For taxable accounts, the value of all Moomoo Financial Inc. offers received may be reported as Other Income on a Form 1099-MISC where required by applicable rules and regulations. Moomoo Financial Inc. and Moomoo Technologies Inc. do not take responsibility for any tax-related to this promotion.

12. Translations from English are provided for convenience only. In case of any ambiguity or dispute over the terms or rules of this promotion, the terms and conditions of the English language version will control.

13. ALL TERMS AND AGREEMENTS OF MOOMOO FINANCIAL INC. AND MOOMOO TECHNOLOGIES INC. ARE HEREBY INCORPORATED INTO THESE TERMS AND CONDITIONS, INCLUDING AND NOT LIMITED TO THEIR ARBITRATION AND CLASS-ACTION WAIVER PROVISIONS. The customer agreement for Moomoo Financial Inc. is available at Moomoo Financial Inc. CUSTOMER AGREEMENT.

These terms contain a pre-dispute arbitration clause and class action waiver. You agree to the following:

• All parties to this Agreement are giving up their right to sue each other in court. including the right to a jury trial, except as provided by the rules of the arbitration forum in which a claim is filed.

• Arbitration awards are generally final and binding; a party’s ability to have a court reverse or modify an arbitration award is very limited.

• The ability of the parties to obtain documents, witness statements, and other discovery is generally more limited in arbitration than in court proceedings.

• The arbitrators do not have to explain the reason(s) for their award unless, in an eligible case, a joint request for an explained decision has been submitted by all parties to the panel at least 20 days prior to the first scheduled hearing date.

• The panel of arbitrators may include a minority of arbitrators who were or are affiliated with the securities industry.

• The rules of some arbitration forums may impose time limits for bringing a claim in arbitration. In some cases, a claim that is ineligible for arbitration may be brought in court.

• The rules of the arbitration forum in which the claim is filed, and any amendments thereto, shall be incorporated into this Agreement.

• No person will bring a putative or certified class action to arbitration, nor seek to enforce any predispute arbitration agreement against any person who has initiated in court a putative class action; or who is a member of a putative class who has not opted out of the class with respect to any claims encompassed by the putative class action until: (1) the class certification is denied; (2) the class is decertified; or (3) the client is excluded from the class by the court. Such forbearance to enforce an agreement to arbitrate will not constitute a waiver of any rights under this Agreement except to the extent stated herein. I agree that any controversy between you and your affiliates, any of their respective officers, directors, employees, or agents and me (including any of my officers, directors, employees, or agents) arising out of or relating to this Agreement, our relationship, any Brokerage Services provided by you, or the use of the App or your website, and whether arising before or after the date of this Agreement, shall be arbitrated and conducted under the provisions of the Code of Arbitration of the FINRA. If any party unsuccessfully resists confirmation or enforcement of an arbitration award rendered under this Agreement, then that party shall pay all costs, attorneys’ fees, and expenses incurred by the other party or parties in confirming or enforcing the award. Arbitration must be initiated by service upon the other party of a written demand for arbitration or notice of intention to arbitrate. Judgment, upon any award rendered by the arbitrator, may be entered in any court having jurisdiction.