Overstock Results Presentation Deck

Investor Onboarding Statistics 5 Daily Account Open Capacity January - June overstock. 50 Mid-July 150 Mid-October 2019 375 Late-October (Current) 1,000 December 2019 Improvement Details Mid-July: Added full-time compliance team members solely focused on the digital asset account open process. Mid-October: Refined processes and added additional compliance team member. Late-October: Implemented new user experience requiring significantly less manual intervention. December: Intend to fine tune the KYC/AML software, which will enable bulk approval of applications. This could equate to comfortably approving over 1,000 applications per day. 18 tZERO

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