Overstock Results Presentation Deck

Summary and Q&A - Focused Execution. Overstock Retail Sustainable, profitable growth ▪ Relentless focus on initiatives. Retail Adjusted EBITDA: +$51M YOY Adj. EBITDA (SM) $50 $40 $30 $20 $10 $- $(10) $(20) $1.6 0.4% Q2'19 overstock. $(0.6) (0.2%) Q3'19 $(2.2) loverstock. (0.6%) Q4 '19 Retail Adjusted EBITDA is a non-GAAP financial measure. See Reconciliation in Appendix $(1.9 (0.5%) Q1 20 Adj. EBITDA Margin (%) 8% $53.0 6.9% Q2 20 (2%) Dynamics Retail Adj EBITDA of $53M +$51M YOY • Adj EBITDA margin of 6.9% +650bps YoY Record revenue Gross profit impacted by one-time items tZERO ■ Driving adoption Onboarding tokens & investors Recent Wins 1. Signed agreement with Aspen Digital to trade the St. Regis Aspen token 2. Subscribed two new broker-dealers 3. Total revenue of $23M in the first-half of 2020 already exceeded total 2019 revenue 4. Successful distribution of OSTKO 5. Record volume and user growth on the tZERO ATS and Crypto App 6. Named 'Best Blockchain Solution of the Year' by FTF News overstock. tZERO Medici Ventures ▪ Products in production. Seeking third-party investors I Identity Vital Chain evernym FinClusive MINDS INETKI overstock. A MEDICI VENTURES Land Titling ZIN MEDICI LAND GOVERNANCE Banking & Currency bitt spera rípio PEERNOVA Capital Markets tZERO symbiont Supply Chain CRAMAN Vinsent FACTOM Voting ✔Voatz Votem SettleMint MEDICI VENTURES To ask questions: Dial-in: (877) 673-5346 -or- Email: [email protected] Conference ID: 9798319 43

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