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) the ability to borrow your first $1,000 of margin funds from Moomoo Financial Inc. ("MFI") interest free, (ⅱ) higher interest rates relative to non-members on funds deposited through Cash Sweep Program provided by "MFI", (ⅲ) the ability to access priority customer service, (ⅳ) access to level 2 stock quotes from Nasdaq TotalView and Quotation Information provided by the Options Price Reporting Authority, (ⅴ) the ability to access up to $50K ACH deposits daily, and (ⅵ) additional complimentary access to the investment features included in the following three ENGINEs.

Category	Benefits	non-member	member
CASH BENEFIT	Cash Sweep APY**	0.03%	3.35%
CASH BENEFIT	$1000 Interest-Free Margin***	—	√
FUNDAMENTAL ENGINE*	AI Fundamental Briefing (Earnings Hub)	√	√
	Advanced Stock Analysis	—	√
	Wall Street Forecasts	—	√
	Institutional Research (Morningstar Research)	—	√
	Valuation Models	√	√
	Revenue Analytics	√	√
	Insider Activity	—	√
	Smart Money Tracker	√	√
	Macroeconomic Data	—	√
OPTIONS ENGINE*	US Options Level 2 Data Feed	—	√
	Strategy Lab	—	√
	P&L Simulator	√	√
	Gamma Exposure	√	√
	Unusual Activity	√	√
	Options Screener	—	√
	Algo Trading Studio	√	√
TECHNICAL ENGINE*	Real-time Level 3 Order Depth (including NYSE Arcabook(LV2)***& Nasdaq TotalView)	—	√
	Indicators Backtester	√	√
	Custom Alerts	√	√
	Instant Order Ladder	√	√
	Advanced Order Types	√	√
	Algo Cloud Services	—	√
	Pro Chart Trading	(coming soon)
	Volume Profile	(coming soon)
OTHER BENEFIT	Priority Customer Service	—	√
	Access up to $50K ACH deposits****	—	√
	Monthly Points	—	+1000
	Moomoo Assistant	10 messages/month	200 messages/month

*The features included in these three 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".

***Customers can also get free access to US stock Level 2 data (NYSE Arcabook) by maintaining an account balance of $100 or more (Account value includes uninvested cash and invested values in stocks, ETFs, options, etc.). For more information on market quotes, visit here.

****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.

Subscription Terms

ELIGIBILITY

Eligibility requirements are available only to customers of Moomoo Financial Inc. ("MFI") who HAVE opened a brokerage account. However, there is no such requirement for features that do not require a subscription to Moomoo Engine (such as Earnings Hub, Valuation Models, Gamma Exposure, etc.).

Once the brokerage account is opened, the customer will automatically be granted a 1-month trial period of Moomoo Engine. After the trial period ends, the customer can decide for themselves whether to proceed with the subscription.

*To express our gratitude to our loyal customers for their continuous support, all existing users whose membership level stays at V1, V2, or V3 before 12:00 AM Eastern Time on July 2nd, 2026, will automatically receive a free subscription to the Moomoo Engine. If your account balance remains above $100, you will continue to enjoy the free Moomoo Engine subscription service.

Subscription Fees

The Moomoo Engine membership is comprised of one tier with a periodic subscription fee. A monthly Moomoo Engine subscription costs $3.99, and an annual Moomoo Engine subscription $39.90. You can see the latest pricing for Moomoo Engine on the Moomoo platforms. Your subscription will automatically renew and you will be charged at the beginning of every subscription period for your Moomoo Engine membership. 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 increases to the Engine membership fee. You understand that moomoo may at any time, in its sole discretion and without notice, terminate your Moomoo Engine membership, including if you have insufficient funds in your account(s) to cover your membership fee.

If the current asset balance of the subscribing customers exceeds $1000, the subscription fee for the next cycle will be reduced from $3.99 to $0.99.

AUTO-RENEWAL AND BILLING

Your Moomoo Engine subscription will automatically renew at the end of each billing cycle (monthly or annual, depending on the plan you selected) unless you cancel before the renewal date. The subscription fee will be automatically deducted from your designated Moomoo brokerage account.

You will be notified via push notification and/or email prior to each renewal date. The notification will include the amount to be charged. 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.

You may turn off auto-renewal at any time through the Moomoo app by navigating to My Subscription > Cancel Subscription. After cancellation, you will retain access to all Engine benefits until the end of your current paid period. No further charges will be made unless you choose to resubscribe.

If your subscription plan qualifies for a reduced fee, the reduced rate will be applied at each renewal provided the eligibility criteria are met at the time of billing.

Cancellation

You may terminate your Moomoo Engine membership at any time through the moomoo App. Upon cancellation of your Moomoo Engine membership, you will not be entitled to receive a refund of all or any portion of any Subscription Fee that you have paid to moomoo. Following cancellation, you will continue to have access to all applicable Engine features for the remainder of the paid subscription period.

3.35% APY

**Cash Sweep rates are subject to change. It is available for both Cash and Margin accounts in the US and has no balance caps.

Interest is earned on uninvested cash swept from customers’ brokerage account to the 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 holds 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 are 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. For more information on the cash sweep program, click here.

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

Notice: If you are eligible to participate in the new-user promotion, you can enjoy an 8.1% APY, regardless of whether you subscribe to Moomoo Engine.

Margin Investing

***Your Moomoo Engine membership fee will be in lieu of any interest fees charged for the first $1,000 of funds borrowed if you choose to utilize margin investing in your brokerage account. Once you subscribe to Moomoo Engine, margin interest begins to accrue for purposes of this benefit. Interest accrues after settlement and it will be calculated daily. Subscribe before accrual begins to apply the interest-free allowance to your pending trades.

If the debit balances exceed the eligible $1,000 allowance, the excess part will be applied to the standard margin rates. For more information on the standard margin rates, click here.

You understand that if You choose to cancel Your Moomoo Engine membership for any reason, you will continue to have access to this $1,000 margin investing interest-free for the remainder of the paid subscription period. And it will be invalid if the subscription period ends.

OTHER TERMS AND CONDITIONS

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.
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.
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
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
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.
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(LV3), US Options Depth Quotes(LV2), Advanced Stock Analysis, insider activity, Options Strategy Builder, Morningstar Fair Value, Analyst Ratings, Options Screener, Nasdaq TotalView, Macroeconomic Data, Algo Cloud Services, Priority Customer Service, and $1000 Interest-Free Margin 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.

Margin trading entails greater risk, including risk of loss and incurrence of margin interest debt, and is not suitable for all investors. 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.

Securities offered by Moomoo Financial Inc. Member FINRA/SIPC.

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