Moomoo Member Introduction and T&C

MEMBERSHIP ELIGIBILITY

*Net Deposit=Total Deposit - Total Withdraw(The calculation period for net deposits refers to historical data from the 60-day period prior to the membership program's launch on May 8th)

*Total asset includes uninvested cash and invested values in stocks, ETFs, options, etc.

*Settlement Period: Relevant data will be updated on a daily basis, with delays during weekends and public holidays. Due to some transaction data possibly being updated 1-3 days later, updates to asset conditions may also be delayed.

MEMBER BENEFITS

*Cash Sweep rates are subject to change.

Interest is earned on uninvested cash swept from customer’s brokerage account to Deposit Banks in the Cash Sweep Program “Program Bank”. These banks pay interest on the swept cash minus any fees paid to Moomoo Financial Inc. (“MFI”). Once swept to a Program Bank, the customer’s uninvested cash becomes eligible for FDIC insurance up to $250,000 per Program Bank, inclusive of any other deposits the customer already hold at the bank, in the same ownership capacity, which may impact how much is covered. MFI is not responsible for monitoring the amount of each customer’s deposits in any Program Bank, whether in the cash sweep program or otherwise, to determine whether the amount on deposit exceeds the FDIC insurance limits. Note, until funds are swept to a Program Bank, they are held in the customer’s brokerage account which is protected by SIPC. Once funds are swept, they are no longer in the brokerage account and not protected by SIPC. However, they become eligible for FDIC insurance through the Program Banks. See the Deposit Bank List (link to www.moomoo.com/us/support/topic4_221) for the current listing of Program Banks.

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

**Interest accrues after settlement. Upgrade before accrual begins to apply the interest-free allowance to your pending trades. Holidays and non-trading days will follow your membership status from the previous trading day.

***ACH Deposit Limits reflect the maximum amount you are currently eligible to receive. This eligibility is dynamically assessed based on a set of account metrics and external credit indicators, including your moomoo account value and transaction activity. Please note that this is not a guaranteed amount for all deposits.

Frequently Asked Questions

About Upgrade

You can achieve membership upgrades and enjoy the corresponding tier benefits by increasing your net deposits and total assets through making deposits.

About Downgrade

As a membership client, your status may change if your net deposits OR total assets with moomoo fall and stay below the membership requirements.

Before we downgrade your status, we'll give you a grace period (7 days) so you can top-up your account and continue to take advantage of your existing benefits. If you fail to increase your net deposits or total assets to the required threshold within the next 7 days, your membership tier will be downgraded to your actual eligibility level.

About "Invite Friends"

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

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.

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.

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.

What if I only want to use features included in Premium Data？

You can choose to become a moomoo member or purchase the Premium Data seperately. The price for Premium Data is 27.99 USD/month.

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 the U.S. are offered by Moomoo Financial Inc. ("MFI"), a broker-dealer registered with the U.S. Securities and Exchange Commission (SEC), a member of Financial Industry Regulatory Authority (FINRA) and Securities Investor Protection Corporation (SIPC). For further information about MFI, see FINRA BrokerCheck. For further information about SIPC coverage for accounts at MFI, see www.sipc.org or request an explanatory brochure from MFI.

2. You must maintain an active brokerage account with MFI to receive the benefits from moomoo Memebership. You can only receive one set of reward for this Promotion, with no more than one account enrolled per person. Each device, regardless mobile or computer, can be only entitled to 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 a 3.35% APY rate for their uninvested cash in the Cash Sweep program. The APY might change at any time at the partner banks' or moomoo Financial Inc.’s discretion. More information can be found in the full MFI Cash Sweep Program Terms and Conditions: https://www.moomoo.com/us/support/topic4_222

4. Moomoo members will enjoy up to $50k ACH deposits daily. Qualifying accounts ("Instant Deposit Accounts") will be credited with funds transmitted to Moomoo Financial via verified ACH prior to settlement of such funds. Subject to Moomoo Financial's approval, you may purchase securities on margin through your Instant Deposit Account. More information can be found in the full Instant Deposit Agreement Terms and Conditions: https://www.moomoo.com/us/support/topic4_176

5. Translations from English are provided for reference only. In case of any discrepancy or dispute over the terms or rules of this promotion, the terms and conditions of the English language version shall prevail.

6. 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.

7. ALL TERMS AND AGREEMENTS OF MOOMOO TECHNOLOGIES INC. AND MOOMOO FINANCIAL 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 Arbitration” provisions of the terms of Moomoo.

Disclaimer

Features including 3.35%APY, Up to $50k ACH Deposits, NYSE Arcabook(LV2), US Options Depth Quotes(LV2), Advanced Stock Analysis, insider activity, Options Strategy Builder, Pro Insights, Morningstar Fair Value, Analyst Ratings, Options Sceener, Monthly Points +100 points/month are free for Moomoo Financial Inc. accounts with Net Deposits OR Total asset>=100 USD. Other conditions apply.

Features including 3.35%APY, Up to $50k ACH Deposits, NYSE Arcabook(LV2), US Options Depth Quotes(LV2), Advanced Stock Analysis, insider activity, Options Strategy Builder, Pro Insights, Morningstar Fair Value, Analyst Ratings, Options Sceener, Monthly Points +500 points/month, Nasdaq TotalView, Macroeconomic Data are free for Moomoo Financial Inc. accounts with Net Deposits OR Total asset>=2000 USD. Other conditions apply.

Features including 3.35%APY, Up to $50k ACH Deposits, NYSE Arcabook(LV3), US Options Depth Quotes(LV2), Advanced Stock Analysis, insider activity, Options Strategy Builder, Pro Insights, Morningstar Fair Value, Analyst Ratings, Options Sceener, Monthly Points +1000 points/month, Nasdaq TotalView, Macroeconomic Data, Algo Cloud Services, Priority Customer Service, $1000 Interest-Free Margin are free for Moomoo Financial Inc. accounts with Net Deposits OR Total asset>=25000 USD. 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.