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) $60 $50 $40 $30 $20 $10 S- $(10) $(20) $(0.6) + (0.2%) Q3 '19 $(2.2) (0.6%) Q4'19 overstock See Reconciliation in Appendix $(1.9), overstock. (0.5%) Retail Adjusted EBITDA is a non-GAAP financial measure Q1 '20 $53.0 6.9% Q2 20 Adj. EBITDA Margin (%) 8% $50.2 7.0% Q3 20 6% 4% 2% 0% (2%) Dynamics • Retail Adj EBITDA of $50M +$51M YOY • Adj. EBITDA margin of 7.0% +717bps YoY . Gross profit impacted by continuing unique items tZERO ■ Driving adoption Onboarding tokens & investors Recent Wins 1. tZERO Markets goes live - 10/21 2. Two additional broker-dealers go live on tZERO ATS - 10/8 3. tZERO signs tokenization agreement with investment fund Tynton Capital - 9/23 John Jacob to 4. tZERO appoints former Nasdaq directors 9/21 5. Additional subscriber agreement signed with new broker-dealer - 9/18 6. tZERO achieves record monthly volume and Crypto App growth in August - 9/1 7. St. Regis Aspen commences trading on tZERO ATS-8/24 overstock. tZERO To ask questions: Dial-in: (877) 673-5346 Conference ID: 4293477 Medici Ventures ▪ Products in production. Seeking third-party investors. -or- Identity Vital Chain evernym FinClusive MINDS INETKI overstock. A MEDICI VENTURES Land Titling MEDICI LAND GOVERNANCE Banking & Currency bitt spera ripio PEERNOVA Capital Markets الله tZERO symbiont Supply Chain GRATININ Vinsent FACTOM Voting ✔Voatz Votem SettleMint MEDICI VENTURES Email: [email protected] 45

View entire presentation