Benefits Summary For Benefits Effective October 1, 2013 September 30, 2014

Eligibility Associates who are scheduled to work at least 30 hours per week and have also attained 60 days of continuous service are eligible to participate in the programs described below. The effective date of participation will be the 1st of the month following attainment of 60 days of continuous service. Associates scheduled to work less than 30 hours per week and Temporary Associates are ineligible to participate in Mattress Firm benefit plans. This Benefits Summary is an overview of the benefits plans that will be offered 1) during the Open Enrollment period of September 7 September 22, 2013 and 2) to new Associates prior to their eligibility dates. Dependents Eligible dependents can enroll in Mattress Firms benefits plans; however, supporting documentation will be required to validate eligibility. Please contact the Benefits Department to determine the required supporting documentation. An eligible dependent includes: 1. 2. 3. 4. Spouse (not fianc, but your legal spouse as determined by applicable law) Common Law Spouse Legal Dependent An Associates child up to age 26 (birth, adoption, or stepchild) Qualified Medical Child Support Order

Medical Insurance United Healthcare Choice Plus Choice Plus is a PPO which provides for health care visits to a Primary Care Physician / Specialist and Emergency Room visits. Primary Care Physician / Specialist and Emergency Room visits. Medical Insurance United Healthcare High Deductible Plan (New) The High Deductible Health Plan provides low cost premiums for coverage involving health care visits to a Primary Care Physician / Specialist and Emergency Room visits. This plan can be used in conjunction with an optional Health Savings Account.

Health Savings Account (HSA) United Healthcare (New) The HSA is a tax-advantaged medical savings account that is available to Associates enrolled in the Medical High Deductible Plan. Associates may contribute pre-tax dollars in their HSA to pay for qualified medical expenses, such as deductibles, co-pays and co-insurance for themselves and their covered dependents. There is also a $1,000 catch-up provision for Associates age 55 and above. To assist Associates in achieving their medical savings goals, Mattress Firm will also contribute to their HSA. Any balance at the end of the year will be carried over to the following years. Dental Care United Healthcare Dental Care provides dental benefits including diagnostic and preventive care, covered at 100%. Orthodontic Care is also included in this plan. Vision Care United Healthcare Vision Care provides for comprehensive eye exams, eye glasses and contacts (once every 12 months). A deductible amount of $25 is required and members may choose from a diversified national provider network. Flexible Spending Account (FSA) United Healthcare Flexible Spending Account is available for qualified healthcare and dependent care expenses. Contributions to the FSA are deducted on a pre-tax basis and the maximum allowed amount is $2,500 for the Health Care Account and $5,000 for the Dependent Care Account. The FSA Health Care and Dependent Care accounts are available to Associates enrolled in the Medical Choice Plus Plan; whereas the FSA Dependent Care is available to Associates enrolled in the Medical High Deductible Plan. Important Note: If you want to participate in the FSA, you must re-enroll each year. Basic Term Life Insurance Sun Life Basic Term Life insurance is provided at no cost to benefits eligible Associates, equal to 1 times their annual salary, up to $500,000. Basic Accidental Death and Dismemberment Insurance Sun Life Basic Accidental Death and Dismemberment insurance is provided at no cost to benefits eligible Associates, equal to 1 times their annual salary, up to $500,000.

Voluntary Term Life Insurance Sun Life In addition to Basic Life Insurance, Associates may choose optional Voluntary Life Insurance coverage for themselves and their eligible dependents. Note: Due to a change in our HRIS, you must re-enroll in the Voluntary Term Life and Voluntary Accidental Death and Dismemberment plans during Open Enrollment, if you want to continue coverage. See available coverage levels under the Life and Disability tab of the Benefits website at http://www.mattressfirmbenefits.com Voluntary Accidental Death and Dismemberment Insurance Sun Life In addition to Basic Accidental Death and Dismemberment Insurance, Associates may choose optional Voluntary Accidental Death and Dismemberment insurance coverage for themselves and their eligible dependents. Note: Due to a change in our HRIS, you must re-enroll in the Voluntary Term Life and Voluntary Accidental Death and Dismemberment during Open Enrollment, plans if you want to continue coverage. See available coverage levels under the Life and Disability tab of the Benefits website at http://www.mattressfirmbenefits.com Short Term Disability Sun Life Short Term Disability provides income for Associates who are unable to perform their job due to a short term illness or disability. Mattress Firm pays 100% of the premium and benefits are paid at 60% of weekly salary for 11 weeks, after a 7 day elimination period (maximum benefit up to $2,000 per week). Long Term Disability Sun Life Long Term Disability provides income for Associates who are unable to perform their job due to a long term illness or disability. Mattress Firm pays 100% of the premium and benefits are paid at 60% of monthly salary, after a 90 day elimination period (maximum benefit up to $6,000 per month). 401(k) One America The 401(k) provides Associates the opportunity to save for retirement on a tax-advantaged basis. In addition to the eligibility requirements described under Eligibility in this document, Associates must also be at least 20 years of age to participate in the 401(k). Associates may contribute up to IRS limits of $17,500 for 2013. Mattress Firm will provide matching contributions of 33-1/3%, up to 6% of the Associates contributions. Vesting will occur at a rate of 20% over a period of 5 years of continuous service.

If you have any additional questions, please contact 855-232-1849 M F, 7:00am 6:00pm Central Time or benefits@mattressfirm.com
This description of information contained in this document are summarizations and not intended to replace the full details regarding eligibility, covered expenses, exclusions, limitations, definitions and other provisions of each plan contained in legal documents, handbooks and group contracts. Legal documents shall govern any differences.