This is our biggest release yet — RFX becomes a full visual desk you can explore, not just read. Everything below rests on the same promise: every figure is computed on-device from real financials by our own engines. The app never invents a number, always shows its working in plain English, and it is educational analytics — not investment advice. THE VISUAL GALLERY — ONE DOOR TO EVERYTHING A new gallery button is pinned to the top of the panel, one tap from anywhere you are. It lays out every chart and tool as a card, grouped by the question it answers — value and price, quality and conviction, sectors and structure, distribution and spread, weight and flow. Type a keyword and the whole set filters live, so you can jump straight to what you want. And a "‹ Gallery" button lets you hop from any tool back to the gallery, so you can try one lens, step back, and try another without ever closing out and starting over. It turns a big toolbox into something a newcomer can actually find their way around. 30+ GROUNDED CHARTS We added a whole toolbox of rich, interactive visuals, each opening with a short, plain-language explanation of what it shows and what to look for: • Field dashboard — the entire universe on four at-a-glance dials: how cheap, how good, how hot, and how concentrated. • Efficiency frontier — the names nothing else beats on both quality and value at once. • Value swarm, Concentration curve, Signal grid, Grade waffle and Signal range — the shape and spread of the whole field. • Sector mosaic, Universe sunburst, Sector rose and Sector arcs — how the market is carved into sectors, and where the value hides inside each corner. • Cap bubbles, Balance sheet, Value-to-Quality flow and Momentum ladder — market weight, cash strength, value traps, and the crowd's mood. • Growth vs value, Rank shift, Leaders vs laggards and a Similarity tree — the trade-offs, the value traps, and the family resemblances between names. • Health checklist — eight pass-or-fail financial-health tests per name, so you see not just how healthy a business is but exactly where it is strong and where it is weak. FOUR HANDS-ON TOOLS For the first time you can experiment, not just read: • Margin of safety — drag a bar for the discount you demand and watch the field thin out to only the deepest bargains. • Value-Quality blend — dial how much you care about cheap versus good and see the whole ranking re-sort under your finger. • Basket builder — slide how many names you would hold and feel the diversification trade-off move in real time. • Screen builder — set a value bar and a quality bar and keep only the names that clear both, the way a professional screens. NEW HERE? TRY THIS FIRST Open the Field dashboard for the big picture, tap any dial to drill into the detail behind it, then open the Screen builder and set your own bars. In a couple of minutes you will have a feel for whether the market is cheap or dear and which names stand out — with an explanation at every step. FRIENDLIER FOR NEWCOMERS Clearer language throughout, a search box across every tool, one-tap navigation between them, and an explanation on every card written for someone meeting the idea for the first time. Nothing assumes you already speak finance; start anywhere and the app teaches as you go. FOR THE TINKERERS The built-in debugger now understands sixteen coding languages with paste-and-check helpers, alongside its error explainer, log analyser, and a one-tap button that copies the whole log so you can share it for help. Thank you for using RFX, and for all the feedback that shaped this update. As always, this is educational analytics — it helps you understand what a stock might be worth and why, and it is not investment advice. We read every review, so please tell us what you would like to see next.

This update makes RFX faster to read and far easier to share. BOARD-READY EXPORTS, ONE TAP From any dashboard, export a perfectly formatted Excel workbook or a self‑contained HTML report: • A real .xlsx with the chart embedded and a linked tab for every KPI • Every tab shows the live numerator ÷ denominator behind each peer percentile, plus a Peer‑detail sheet that drills to the raw comparable figures • Plain‑English footnotes on every tab — what the number means, why it matters, who it impacts, what moved it, and which levers improve it • Real peer names and your own figures throughout, gridlines off with clean banded rows so the chart reads clearly CLEARER CHARTS Bigger visuals with proper legends, labeled axes, scales and shaded plot areas, so every data point and trend is easy to read. SMOOTHER ON iPHONE Reports and exports now launch reliably on iPhone, with larger touch targets and full‑screen, safe‑area‑aware layouts that respect the notch and home indicator. SHARPER COMMAND CENTER A faster home screen, a refreshed guided tour and demos, and on‑device RabidFox AI that explains any number in plain English. Plus stability and performance polish throughout. Questions or feedback? support@rabidfoxanalytics.com

What's New is now your first stop. The release log is the first item in the menu and the screen the app opens to, so you always land on the latest improvements — and every room now opens scrolled to the top. • Investment Mentor — the built-in AI coach is now your Investment Mentor, with a refreshed button and panel. • Your license keys — every key in Settings now unlocks the app reliably, validated entirely on your device. • iPhone in portrait — a new handle lets you fold the side menu away so charts and panels use the full width of your screen; tap to bring it back. Rotate to landscape and the full menu returns on its own. • Valuation, tabbed — the DCF and valuation drill is reorganized into clean tabs, with an interactive WACC heat map and a scenario matrix. • Drill to the math — tap any ratio, multiple, or KPI to see the exact formula with the real numbers and the result. No black boxes. improvements — and every room now opens scrolled to the top. • Investment Mentor — the built-in AI coach is now your Investment Mentor, with a refreshed button and panel. • Your license keys — every key in Settings now unlocks the app reliably, validated entirely on your device. • iPhone in portrait — a new handle lets you fold the side menu away so charts and panels use the full width of your screen; tap to bring it back. What's New is now your first stop. The release log is the first item in the menu and the screen the app opens to, so you always land on the latest improvements — and every room now opens scrolled to the top. • Investment Mentor — the built-in AI coach is now your Investment Mentor, with a refreshed button and panel. • Your license keys — every key in Settings now unlocks the app reliably, validated entirely on your device. • iPhone in portrait — a new handle lets you fold the side menu away so charts and panels use the full width of your screen; tap to bring it back. Rotate to landscape and the full menu returns on its own. • Valuation, tabbed — the DCF and valuation drill is reorganized into clean tabs, with an interactive WACC heat map and a scenario matrix. • Investment Mentor — the built-in AI coach is now your Investment Mentor, with a refreshed button and panel. • Your license keys — every key in Settings now unlocks the app reliably, validated entirely on your device. • iPhone in portrait — a new handle lets you fold the side menu away so charts and panels use the full width of your screen; tap to bring it • Investment Mentor — the built-in AI coach is now your Investment Mentor, with a refreshed button and panel. • Your license keys — every key in Settings now unlocks the app reliably, validated entirely on your device. • iPhone in portrait — a new handle lets you fold the side menu away so charts and panels use the full width of your screen; tap to bring it back. Rotate to landscape and the full menu returns on its own. • Valuation, tabbed — the DCF and valuation drill is reorganized into clean tabs, with an interactive WACC heat map and a scenario matrix. • Drill to the math — tap any ratio, multiple, or KPI to see the exact formula with the real numbers and the result. No black boxes. • Sharper Markets, Research, Analytics, and Orders, plus polish throughout.

What's New in 23.6 Reporting-period views — switch any forecast between the full year and any quarter, and now the income statement, balance sheet, cash flow, and the "as of" date all move with it, with every subtotal and total still tying out. More specialist Power Agents — the grounded agent line-up expands to six, adding an Efficiency Strategist, a Returns Strategist, and a Revenue Strategist alongside the CFO, CECL, and ALM advisors. Each answers in its own lane, and every figure it cites is checked against the audited source on your device. As always: every number is traceable to its source, each KPI explains why it matters, and all forward figures are illustrative model output, not investment advice.

New in this version • Ask the live AI analyst — the new Power Agents (CFO Advisor and more) answer questions about the bank's outlook in plain language, and every figure is automatically checked against the audited model before you see it. • One-tap investment memos — generate a polished, sectioned memorandum for any scenario, with each number verified. • Executive-grade formatting across the analyst and memo views. • Sharper on-device analytics — the forecast, early-warning, and assurance engines now run their full calculations for more reliable results. • Stability and polish improvements.

NEW — RabidFox Cortex, an on-device adaptive intelligence layer: - Adaptive Forecast Calibrator — your forecast now learns from the bank's own history how much each driver moves each KPI, with a 95% confidence band on every projection and realistic near-term dynamics. Toggle Baseline vs Cortex-learned on the Forecast tab. - Early-Warning Sentinel — learns each KPI's and driver's normal range and flags anything drifting out of range under your chosen scenario, separating genuine stress from good news and explaining the drivers behind each alert. - "Why RabidFox Cortex" card — a clear, at-a-glance look at the gap Cortex closes for community banks and credit unions. Also new: - The app now opens to What's New, so you see the latest capabilities the moment you launch. - Plain-language release notes throughout. - Performance, stability, and polish. Everything in Cortex runs entirely on your device — nothing leaves the app. All figures remain illustrative; this is an educational and analytical tool, not financial advice.

The RabidFox Method — auditability and transparency for every number on every screen. THE PROMISE WE MADE When you're a community bank CFO, a credit union risk officer, or an FSS founder pitching your Series B, you need analytical tools that make you look as rigorous as a $100B institution. RabidFox Analytics delivers that — every valuation drillable three levels deep, every scenario decomposed into named driving forces, every assumption visible, every historical analog cited. THE THREE-LEVEL DRILL - Level 1: Tap any banking row to see DCF, Multiples, Sum-of-parts, and Blended targets with the scenario range chart - Level 2: Tap any metric for the textbook definition, the RabidFox math with every assumption visible, the seven-scenario comparison grid, and the labeled TTM trend chart - Level 3: Tap any scenario card to see driver attribution (what forces drove the number), regime-specific risks, and historical analog WHAT ELSE IS NEW - 15 banking sector names with full scenario coverage - 8 marquee private companies (Anthropic, SpaceX, OpenAI, Stripe, Databricks, xAI, Canva, Discord) - Brief tab: three-voice scenario-reactive narrative briefings - What-If Lab: live NIM / NII / CET1 impact sliders - Chart Coach with contextual chart recommendations - Seven macro scenarios: Base, Bull, Soft Landing, Inflationary, Stagflation, Risk-Off, Recession WHAT'S COMING Live data, AI Agentic Analysis with free trial evaluations, custom watchlists, and full FSS sector coverage in the next release. — RabidFox Analytics LLC, Atlanta GA

RFX Banking Analytics v15.38 introduces a redesigned experience based on first-round testing feedback. Easier to use with a free Executive preview that lets you explore the dashboard, story chapters, and glossary without entering a key. Cleaner layout — removed clutter so the numbers come first. Persona-aware reading modes: Executive, Analyst, and Banking Specialist. Eight built-in scenarios you can switch with one tap. Tech Preview key unlocks the full analytics suite including Loan Book, Deposits, Credit, Rate Sensitivity / ALM, Stress Hub, Financials, and the 287-report library. Synthetic FFIEC-calibrated data. Nothing leaves your device.