Overstock Results Presentation Deck

Q3 2020 Financial Results: Overstock Retail Revenue $717.7 Million +111% vs. Q3'19 OpEx as % of Revenue 17.5% -530bps vs. Q3'19 overstock. 1 Adjusted EBITDA is a non-GAAP financial measure. See Reconciliation in Appendix Gross Margin 23.5% +348bps vs. Q3'19 Adjusted EBITDA¹ $50.2 Million +$50.8M vs. Q3'19 Dynamics. ▪ Business model scaled >140% new customer growth YoY ■ ■ ■ Gross margin expanded Structural improvements coupled with continuing unique items Operating leverage generated - Scalability inherent in pure- play ecommerce model Profitability delivered Margin profile remains consistent with long-term targets 12

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