There are three plan packages from which to choose. Dental and vision coverage can be elected separately. See below for level of coverage available.

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1 2016 Benefits Guide

2 Health Plan Options There are three plan packages from which to choose. Dental and vision coverage can be elected separately. See below for level of coverage available. Bi-Weekly Employee Contributions for Medical Plans (non-hawaii) Coverage Election Health Reimbursement Account (HRA) Plan Health Savings Account (HSA) Plan Plan A Employee Employer Employee Employer Employee Employer Employee Only $20.00 $ $31.00 $ $38.00 $ Employee plus Spouse $51.00 $ $72.00 $ $86.00 $ Employee plus Children $38.00 $ $58.00 $ $70.00 $ Employee plus Family $67.00 $ $97.00 $ $ $ Domestic Partner 1 $31.00 $ $41.00 $ $48.00 $ Domestic Partner Child 1 $18.00 $ $27.00 $ $32.00 $ Additional Working Partner Premium 2 $46.15 $46.15 $ Domestic Partner deductions are taken on a post-tax basis, and employee pays tax on the employer portion of the contribution. 2 The Working Partner Premium amount is in addition to the employee contributions shown in the table above. Bi-Weekly Employee Contributions for Dental and Vision Plans (non-hawaii) Dental Vision Coverage Election PPO Network Open Network Employee Employer Employee Employer Employee Employer Employee Only $4.00 $9.39 $13.00 $3.56 $3.00 $0.00 Employee plus Spouse $8.00 $16.74 $24.00 $6.58 $5.00 $0.00 Employee plus Children $10.00 $19.59 $29.00 $7.57 $5.00 $0.00 Employee plus Family $14.00 $26.96 $40.00 $10.62 $8.00 $0.00 Domestic Partner 1 $4.00 $7.35 $11.00 $3.02 $2.00 $0.00 Domestic Partner Child 1 $6.00 $10.20 $16.00 $4.01 $2.00 $ Domestic Partner deductions are taken on a post-tax basis, and employee pays tax on the employer portion of the contribution. Our Benefits 1

3 Hawaii Employees Only HMSA Bi-Weekly Employee Contributions for Medical Plans Plan A Plan B Coverage Election Employee Employer Employee Employer Employee Only $6.00 $ $12.00 $ Employee plus Spouse $70.00 $ $95.00 $ Employee plus Children $50.00 $ $80.00 $ Employee plus Family $90.00 $ $ $ Domestic Partner 1 $64.00 $ $83.00 $ Domestic Partner Child 1 $44.00 $ $68.00 $ Additional Working $46.15 $46.15 Partner Premium 2 1 Domestic Partner deductions are taken on a post-tax basis, and employee pays tax on the employer portion of the contribution. 2 The Working Partner Premium amount is in addition to the employee contributions shown in the table above. Hawaii Employees Only HMSA Bi-Weekly Employee Contributions for Dental and Vision Plans Coverage Election PPO Network Dental Open Network Vision Employee Employer Employee Employer Employee Employer Employee Only $4.00 $9.39 $13.00 $3.56 $3.00 $0.00 Employee plus Spouse $8.00 $16.74 $24.00 $6.58 $5.00 $0.00 Employee plus Children $10.00 $19.59 $29.00 $7.57 $5.00 $0.00 Employee plus Family $14.00 $26.96 $40.00 $10.62 $8.00 $0.00 Domestic Partner 1 $4.00 $7.35 $11.00 $3.02 $2.00 $0.00 Domestic Partner Child 1 $6.00 $10.20 $16.00 $4.01 $2.00 $ Domestic Partner deductions are taken on a post-tax basis, and employee pays tax on the employer portion of the contribution. Eligibility and Enrollment Employees working 20 or more hours per week (regular full-time employees and regular part-time employees) are eligible to participate in our medical, dental, vision, life/ad&d, childcare subsidy, and FSA plans. Eligibility for all other plans are outlined on this page or provided upon hire. Eligible employees must enroll or waive coverage within 31 days of initial eligibility date, which is the first of the month following 30 days of hire. (Example: if hire date is August 15, eligibility date is October 1 and you have until October 31 to enroll in our health and welfare plans.) The next opportunity to enroll will be during the T-Mobile Annual Enrollment Period. The information included on this page is a condensed outline of our benefit plans and is to be used as a quick reference tool; it is not a legal contract. For specific information about these benefits and plan benefit limits, please refer to your Summary Plan Description. This summary of employee benefits is in all cases superseded by the actual plan document that you will have access to upon hire. Our Benefits 2

4 UHC Medical Benefits Overview Plan Year 01/1/ /31/2016 Health Reimbursement Account (HRA) Plan Health Savings Account (HSA) Plan Plan A (Please note No out-of-network benefits are available) Plan Year Deductible The amount you must pay before the Plan begins to pay for most services $1,500/person and $3,000/family $1,500/person and $3,000/family $100/person and $200/family Plan Year Out-of-pocket Maximum (includes deductible) The most that you will pay in coinsurance in one plan year, after which the 100% $3,000/person and $6,000/family $3,000/person and $6,000/family $1,600/person and $3,200/family T-Mobile Account funding (for coverage effective on Jan. 1) $500 Individual $1,000 Enrolled Dependents Entire T-Mobile funding is available on first day of coverage. $500 Individual $1,000 Enrolled Dependents T-Mobile contributions are prorated and funded each pay date. N/A T-Mobile Account funding (for coverage effective on Feb. 1 or after) $41.66/month Individual $83.33/month Enrolled Dependents Entire T-Mobile funding is available on first day of coverage. $19.23/pay period Individual $83.33/pay period Enrolled Dependents T-Mobile contributions are prorated and funded each pay date. N/A Physician services Primary care (PCP) office visit Specialist office visit $35 copay $50 copay $20 copay $30 copay Prescriptions Retail (30-day supply) Participating pharmacies only Tier 1: 10% ($5 copay min. $20 copay max.) Tier 2: 20% ($25 copay min. $50 copay max.) Tier 3: 30% ($45 copay min. $70 copay max.) Tier 1: $5 copay Tier 2: $25 copay Tier 3: $45 copay Mail order (90-day supply) Tier 1: 10% ($10 copay min. $40 copay max.) Tier 2: 20% ($50 copay min. $100 copay max.) Tier 3: 30% ($90 copay min. $140 copay max.) Tier 1: $10 copay Tier 2: $50 copay Tier 3: $90 copay Hospital services Inpatient services Outpatient surgery Outpatient lab and X-ray 80% 1 80% 1 80% Emergency room Emergency Co-pays waived if admitted 80% after deductible and $150 co-pay 80% after deductible and $150 co-pay 1 R&C is reasonable and customary, the amount a provider in your area would typically charge. You are responsible for any charges from your provider that are above the R&C amount. Our Benefits 3

5 Dental Benefits Overview T-Mobile offers two dental options through Delta Dental of Washington. Both plans provide the same level of benefit and cover the same services. There s no deductible for preventive care. For other services, you must meet an annual individual deductible of $50, with a maximum of $150 per family. PPO Network Dental Plan: This option covers care through the Delta Dental PPO network only. That means you need to select a dentist in the Delta Dental PPO network and services from a non-ppo dentist are not covered. Open Network Dental Plan: This option provides the same reimbursement levels and annual plan maximums as the PPO Network Dental Plan, but gives you the option to seek dental treatment from the dentist of your choice. What s Covered Percentage Paid Benefit Maximum Preventive care (cleanings, bitewing X-rays) 100%, no deductible Two cleanings per year. Costs apply to the annual $2,000 per person maximum Basic services (fillings, routine extractions) 80%, after deductible an annual maximum of $2,000 per person Major services (crowns, bridges, dentures) 50%, after deductible No Coverage or Benefits Provided Orthodontia (for children and adults) 50%, no deductible Separate lifetime maximum of $2,000 per person Vision Benefits Overview When you pay for services Vision exam Benefits Coverage Participating Providers and Affiliate Providers Your provider submits your claim to VSP and bills you for the difference Non-Participating Providers You pay 100% at the time of service, then submit a claim to VSP for reimbursement One routine eye exam allowed per plan year 100% after $15 copay Plan reimburses you up to $45 after your $15 copay Lenses One pair allowed every plan year. Contact lenses covered in lieu of eyeglass lenses and frames. Single vision Bifocal Trifocal Elective contact lenses Medically necessary contact lenses Frames One pair of frames covered every plan year One $25 copay applies to both lenses and frames 100% after $25 copay 100% after $25 copay 100% after $25 copay 100% up to $150 for contacts and contact lens exam (fitting and evaluation) (no copay) 100% after $25 copay 100% up to $150 after copay (if you choose a frame valued at more than the plan allowance, you will receive a 20% discount on the amount over the allowance). $80 allowance at Costco One $25 copay applies to both lenses and frames Plan reimburses you up to $30 after your $25 copay Plan reimburses you up to $50 after your $25 copay Plan reimburses you up to $65 after your $25 copay Plan reimburses you up to $105 Plan reimburses you up to $210/pair after your $25 copay Plan reimburses you up to $70 after $25 copay Our Benefits 4

6 Free Money for Childcare! The Childcare Subsidy Employees can receive up to $200 a month to help with childcare bills. Eligibility is met if the employee: n Is working 20 or more hours per week (regular full-time and regular part-time employees) n Has a gross annual household income of $96,300 or less Flexible Spending Accounts (FSA) This convenient option helps you pay for eligible health and dependent care expenses with pre-tax dollars, and allows you to save money by reducing taxable income. Health Care Spending Account (per plan year) n With the Affordable Care Act, the healthcare FSA contribution limit changed to $2,550. n Non-reimbursed health care expenses qualify (e.g.) copays, deductibles, orthodontia) n Visa Card available for convenient payment of eligible FSA health expenses n Participants enrolled in the HSA Plan cannot elect a Health Care FSA per IRS guidelines. Dependent Care Spending Account (per plan year) n Up to $5,000 per family may be contributed n Child or adult care expenses qualify n Childcare subsidy program available to qualifying employees Employee Assistance Program (EAP) Confidential help is available 24 hours a day, seven days a week to all T-Mobile employees and their families. Available assistance includes counseling for personal or job-related concerns, substance abuse, legal or financial advice, and referrals for child or elder care. Educational Assistance T-Mobile employees who have completed 90 days of employment (one year for part-time employees) may be eligible for financial assistance for classes directly related to their position. Classes must be approved in advance. Reimbursement is based on the successful completion of the course (C or better = 100%); up to $5,250 for full-time employees, $2,500 for part-time employees (as defined in the Employee Handbook) annually. Adoption and Surrogacy Assistance Life is full of big steps. First prom. Graduating from school. Getting an awesome job at T-Mobile. Maybe bigger than any of that is becoming a parent. But some people may need help to achieve that goal, such as adopting or using a surrogate to deliver the baby. That s not cheap costing anywhere from $20,000 to $80,000 or more. To help reduce the burden of that expense, T-Mobile offers up to $13,400 per child in Adoption and/or Surrogacy Assistance for eligible employees. Regular full-time and part-time employees are eligible for this benefit on the first day of the month following 30 days of employment and must be employed at the time that adoption/surrogacy expenses are incurred. Back-Up Advantage Care We have partnered with Bright Horizons Family Solutions to offer T-Mobile employees the Back-Up Care Advantage Program. It gives employees access to a national network of high-quality care solutions for both children and adult/elderly family members when regular care arrangements cannot be made. This program provides employees a measure of assurance that their family members are being cared for by a knowledgeable and licensed caregiver. Programs available are center-based Back-Up Child Care, in-home care for well and mildly ill children, and in-home care for adult or elder care. Employee Life Insurance and AD&D Life insurance provides benefits to your beneficiary in the event of your death. Accidental Death and Dismemberment (AD&D) insurance supplies benefits if you die or become dismembered in an accident. Regular full-time and regular part-time employees are eligible for both types of coverage. n Coverage: for regular full-time and part-time employees, 1.5 times your annual base salary and commissions up to $1,000,000 maximum n Coverage is provided to eligible employees and is paid for by T-Mobile Compass Health Pro Consultant The U.S. healthcare system can be frustrating! But your Compass Health Pro consultant can help. Your Health Pro will be your personal healthcare advocate to help save you time, money and angst when dealing with healthcare matters. Your dedicated Health Pro consultant offers independent and unbiased guidance to ensure you get the most from T-Mobile s health plans, including: n Finding great doctors, dentists, and eye care professionals n Comparing prices to save money on medical care n Reviewing your claims to ensure they are processed properly n Getting help with medical, dental and vision bills n Researching alternatives to pay less for prescriptions n Scheduling your appointments and transferring your medical records n Understanding your benefits and plan details You have direct access to your Health Pro via or phone. Your Health Pro can do the heavy lifting for you with access to all of our healthcare vendors they can work behind the scenes to solve your problems. Our Benefits 5

7 Voluntary Life Insurance For T-Mobile employees who have dependents, we offer the option to purchase dependent life insurance coverage for your spouse/domestic partner and/or dependent children, as shown: Employee Coverage*: n Option 1: 1 times your annual base pay and commissions n Option 2: 2 times your annual base pay and commissions n Option 3: 3 times your annual base pay and commissions n Option 4: 4 times your annual base pay and commissions n Option 5: 5 times your annual base pay and commissions n Option 6: 6 times your annual base pay and commissions n Option 7: 7 times your annual base pay and commissions n Option 8: 8 times your annual base pay and commissions *The maximum employee voluntary life insurance benefit amount is $2,000,000 Spouse/Partner Coverage: n Option 1: $10,000 coverage n Option 2: $50,000 coverage n Option 3: $100,000 coverage n Option 4: $150,000 coverage n Option 5: $200,000 coverage n Option 6: $250,000 coverage Dependent Child Coverage: n $10,000 of coverage per child Employee Stock Grant Annual stock grants, in the form of Restricted Stock Units (RSUs), are awarded at T-Mobile to eligible employees in November (if you are employed on October 31). RSUs become shares of T-Mobile stock after a waiting period, known as vesting. RSUs take two or three years to vest based on your job, with a portion vesting each year. RSUs are awarded to you at no cost and you don t have to enroll. With Employee Stock Grants, you share in T-Mobile s performance. Short-Term and Long-Term Disability Full-time and Part-time employees are eligible for disability insurance on the first of the month following six months of continuous-active employment. Short-Term Disability benefits will replace up to 60% of your base income (includes average commissions if applicable) for up to 26 weeks. If you are still unable to return to work on or before Short Term Disability exhausts, if you qualify, you may be eligible for Long-Term Disability benefits. Long Term Disability provides salary replacement up to 50% of your base salary (includes average commissions if applicable). T-Mobile provides this benefit at no cost to eligible employees. Employee Discounts & Perks T-Mobile employees and their families have access to exclusive discounts and other conveniences provided by thousands of vendors. Enjoy special savings on retail items, travel, entertainment, dining, and much more. Voluntary Benefits As a T-Mobile employee you have the opportunity to enroll for voluntary benefits coverage, including AFLAC, Legal Insurance, Pet Insurance, Auto/Home Insurance, and Identity Theft Monitoring. These programs are offered at discounted group rates and you can pay for them via payroll deduction. Paid Parental Leave To make sure parents get off to a great start, T-Mobile offers paid parental leave. Eligibility begins the first of the month after completing six months of service. n Birth moms: Covers up to seven weeks of 100% paid leave for the birth of a child (maternity leave) n Dads and non-birth moms: Covers up to three weeks of 100% paid leave for dads or non-birth moms who adopt, use a surrogate or whose domestic partner has a baby (called Family Bonding Time) Employee Mobile Service Discount The T-Mobile Employee Mobile Service Discount offers great service at fantastic rates. Eligible employees may take advantage of steeply discounted pricing on our premier consumer rate plans, which offer up to twelve lines of service with Talk + Text + Web, plus up to five Mobile Internet lines. In addition, employees may enroll in our retail device purchase plans, participate in customer promotional offers and buy accessories at 25% off. Employee Stock Purchase Plan (ESPP) T-Mobile s Employee Stock Purchase Plan (ESPP) is an opportunity to share in company performance by purchasing T-Mobile (TMUS) stock at a 15% discount through payroll deduction. All employees who are paid by T-Mobile are eligible to enroll and participate. ESPP is part of your Total Rewards package. Enrollment Periods Offering Periods Purchase Dates February 15 March 15 August 15 September 15 April 1 September 30 October 1 March 31 September 30 March 31 Our Benefits 6

8 T-Mobile 401(k) Savings Plan This retirement savings plan is funded by a combination of employee contributions and matching contributions by T-Mobile. n You are eligible to participate in our 401(k) plan immediately upon hire. n You can contribute up to 75% of your regular earnings, and up to 85% of your bonus earnings n You have two ways to contribute: pre-tax or Roth after-tax n Employer match begins after 1 year of employment Teladoc won t replace your regular doc. But when you need non-emergency medical help right now, it s a fast and no- or low-cost alternative. Get a diagnosis, treatment suggestions, have a prescription phoned in to your pharmacy, and even advice on whether you need a specialist. All without leaving your bed! Paid Time-Off Programs Taking time away from our jobs to re-charge, to be with loved ones, or to run those essential errands is important to us all. With the T-Mobile PTO program, our employees get more flexibility, convenience, and control over how they want to manage their time off for life s experiences. n Employer match: first 3% at 100%, next 2% at 50% n Employer match is immediately vested Year Full-Time Employees Part-Time Employees n No age requirement n Several investment options Employee Referral Program Earn bonus rewards for referring exceptionally talented people to T-Mobile. After all, who better to bring on fresh new talent than our own T-Mobile team members? Community Outreach Program At T-Mobile, we know that you are part of a community, just as much as our business is also part of many local communities. In recognition of this, we offer employees a chance to take a day away from work, with full pay, to participate in the company s national employee volunteer program when an event is held in their area. T-Mobile Huddle Up is our national community outreach program that connects kids in highneed urban communities with positive people, places and programs, and helps address the critical need for high-quality afterschool programs by providing a safe, fun place for kids to go to after school. Teladoc Sick happens. The flu. An ear infection. A finger caught in a door. Who has time to deal with all that? hours/year 88 hours/year hours/year 108 hours/year hours/year 128 hours/year Regular Full-Time employees and Regular Part-Time employees begin accruing PTO from their first day on the job. Hours are awarded biweekly. The amount of PTO depends on status and years of service. Employees will begin accruing a higher PTO rate in the pay period in which they have completed 3 and 7 years of service. For example, an employee hired 04/01/2015 will begin to accrue at a higher PTO accrual rate on 04/01/2018 and again on 04/01/2022. In addition, there are nine paid holidays per year. Regular full-time employees will be paid based on their regularly scheduled shift. Regular part-time employees are paid up to six hours for each holiday. Temporary employees are not eligible. Employees may roll over up to 80 hours of PTO from one calendar year to the next. n New Year s Day n Presidents Day n Labor Day n Veterans Day No worries -- help for those everyday medical misadventures is a call away. With Teladoc, you can talk to a real, live, U.S. board-certified doctor or pediatrician on the phone or video chat 365 days a year, any time of the day or night. It s free for T-Mobile Plan A and HRA medical plan members ($40 for HSA still a good deal!). n Memorial Day n Independence Day n Thanksgiving (2 days) n Christmas Day T-Mobile is an equal opportunity employer (EOE) and strongly supports diversity in the workforce. T-Mobile is a federally registered mark, and the magenta color is a trademark of Deutsche Telekom AG T-Mobile USA, Inc. Our Benefits 7

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