2026“moomoo card collection” Lunar New Year Promotion Terms & Conditions

The “moomoo card collection” Lunar New Year Promotion (hereinafter referred to as “this Promotion”) is a commercial promotion organized by Moomoo Financial Inc. (hereinafter referred to as “Moomoo US”, "MFI" or “the Organizer”).

The validity period of this Promotion is from January 27, 2026, 00:00 ET to February 23, 2026, 23:59 ET (hereinafter referred to as the “Promotion Period”), and it is only available to eligible clients of Moomoo US (as defined below).

The Promotion includes two sub-periods:

• Collecting Period: January 27, 2026, 00:00 ET – February 16, 2026, 23:59 ET

• Lucky Packet Claiming Period: February 17, 2026, 00:00 ET – February 23, 2026, 23:59 ET

Eligibility

This promotion is open only to clients of Moomoo Financial Inc. (“MFI”) who satisfy all of the following conditions:

• Have registered an account with moomoo;

and

• Are U.S. residents who are at least 18 years old and possess a valid Social Security Number (SSN).

For the avoidance of doubt, only clients who hold a currently active MFI brokerage account with moomoo US may receive the “Lucky Packet.”

Conditions of Participation and Reward Acquisition

How to Participate

Eligible clients may participate in the “moomoo card collection” Lunar New Year Promotion mini-game via the Promotion page

Participation during the Collecting Period proceeds as follows:

• Each first-time participant will automatically receive one random moomoo card.

• Participants may obtain additional random moomoo cards by completing tasks or receiving cards gifted by friends.

All collecting and gifting activities are limited strictly to the Collecting Period (January 27, 2026, 00:00 ET – February 16, 2026, 23:59 ET).

Task List and Corresponding Rewards

Notes:

1. Moomoo card

1. "Moomoo card" is virtual items exclusive to this campaign and are distributed randomly with the following probabilities: Sharp AI moomoo (3.32%), IPO Hunter (18.13%), The Options Knight (24.17%), The Stop-Loss Artist (24.17%), and The Value Prophet (30.21%).

2. Regarding deposit rewards, participants who complete a deposit of $500 or more will receive 1 random Moomoo card; depositing $1,000 or more rewards a total of 3 random Moomoo card, while depositing $2,000 or more grants a total of 5 random Moomoo card.

2. Task

1. Daily tasks reset at 00:00 ET, and weekly tasks reset every Monday at 00:00 ET. Please refer to the task table for specific details.

2. Deposit Tasks: Eligible deposit methods include ACH, wire transfer (WIRE), and instant transfer. Transfers via FOP or ACATS do not qualify.

3. Invitation Tasks: Invitees must be new users who have never registered or opened a brokerage account with MFI, and must be U.S. residents aged 18+ with a valid SSN.

4. Crypto Tasks: Before completing crypto tasks, users must activate a moomoo U.S. crypto account. Activation is not supported in Alaska, New York, Texas, Virginia, or Vermont, nor for users using VPNs, restricted IPs, or non-U.S. tax residency.

Lucky Packet Synthesis and Reward Claiming

• Participants who collect 5 different moomoo cards may synthesize a “Lucky Packet.”

• During the Lucky Packet Period, participants may enter the Promotion page to open the Lucky Packet and claim the reward (you must have completed account opening).

• After synthesizing the Lucky Packet, participants may continue collecting during the Collecting Period. No collecting or gifting is allowed during the Reward Opening Period.

Rewards and Probabilities

• The "New Year Lucky Packet" rewards are randomly distributed, participants should complete account opening before they can use them normally. Prizes include: $888 Cash Coupons (0.01%), $88 Cash Coupons (0.02%), $18.8 Cash Coupons (1%), $50 Cash Rewards (2%), $30 Cash Rewards (15%), $10 Cash Rewards (18%), $8.8 Cash Rewards (63.7%)

Cash Coupons Description

• Cash coupon Terms: https://www.moomoo.com/us/support/topic4_645

• Cash coupons are issued as Cash Coupons corresponding to the stated face value.

• Cash coupons can be used directly without initiating a transaction. The amount will arrive at your securities account within 3 trading days.

• To use a cash coupon, you must first open an account in the same currency as the cash coupon.

• A coupon can only be used once, and cannot be stacked or split.

• Cash coupons are anonymous, irrecoverable once lost, and cannot be gifted or used repetitively. No changes are offered after redemption.

• Cash coupons are event rewards. moomoo reserves the right to reclaim cash coupons acquired via inappropriate means, such as exploiting system vulnerabilities.

• moomoo reserves the right of final interpretation on cash coupons within the scope of relevant laws.

Cash Rewards Description

• Cash Rewards are rewards available as part of promotional event and are applicable to eligible orders placed through a brokerage account supported by moomoo.

• Cash Rewards represent the value of a potential credit to a brokerage account and are not discounts on your purchase orders.

• Cash Rewards are available only for buy-to-open orders.

• Cash Rewards will automatically be applied to an order that meets specified conditions (the “Order”). Such conditions include a minimum order amount, type of securities product, location of the securities market (meaning US or non-US), and a validity period. Other conditions may also apply and may vary depending on the promotional event through which the Cash Rewards are offered.

• An amount equal to the Cash Reward will be credited to your brokerage account within three trading days after an Order is settled.

• Only one Cash Reward can be used for an order. However, Cash Rewards may be combined in other rewards available through the moomoo app.

• If you have more than one Cash Reward, the Cash Reward with the earliest expiration will be used by default; if multiple Cash Rewards share an expiration date, the Cash Reward with a higher denomination will be used by default.

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

• Cash Rewards are not registered, irrecoverable once lost, and cannot be gifted, or used more than once.

• Cash Rewards are event rewards and moomoo reserves the right to reclaim Cash Rewards acquired via inappropriate means such as exploiting system vulnerabilities, hacking, and spoofing.

• 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.

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.,Moomoo Financial Inc. and Moomoo Crypto 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. NO PURCHASE NECESSARY. A PURCHASE OR PAYMENT OF ANY KIND WILL NOT INCREASE YOUR CHANCES OF WINNING.

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

5. Moomoo Financial 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.

6. 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.

7. 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.

8. 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.

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

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

11. 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.

12. 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.

13. 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.

14. 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.