2013 2014 401(k)

Eligibility Full-time and Part-time Associates who are at least 20 years old and have also attained 60 days of continuous service are eligible to participate in the program described below. The effective date of participation will be the 1st of the month following attainment of 60 days of continuous service.

401(k) Plan Provisions The 401(k) Plan provides associates with the opportunity to save for retirement before taxes. Associates select from an array of investment choices and also select their contribution level. Mattress Firm will match 33 1/3% up to 6% of the Associates contribution. Vesting will occur at 100% over a period of 5 years of continuous service, with a minimum of 1,000 hours worked during each calendar year. Associates who wish to contribute to the 401(k) can enroll in the plan at any time; however, contributions will begin on the 1st of the month following enrollment Associates are responsible for selecting their investment options Changes can be made online through the Associates account at anytime Associates may increase or decrease his or her contributions at any time, changes are effective on the 1st of the month following the change Maximum contributions are determined annually by the IRS. The 2013 maximum contribution is $17,500. Associates over age 55 are eligible for an additional catch-up provision of $5,500.

Additional information can be found at www.mattressfirm401k.com Group Number G36192

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.