SoulCycle 2020 Benefit Guide

WELCOME SoulCycle started a revolution more than 13

years ago - and we

stopped building

our communities since, outside and in. As an

important part of our #SoulFamcommunity,

we strive to create

an environment where you feel rewarded for your hard work and dedication to bringing Soul

to the People every single day. Wesee our

benefits program as one

able to do

that, while supporting your overall health and

wellness.

This guide provides an overviewof the

program for eligibleSoulCycle

employees. Please review it carefully and use

the guide to help you make themost-

informed decisions.

definitely get the

greatest value from your benefits by

educating yourself!

2020 ANNUAL OPEN ENROLLMENT DECEMBER 2 13, 2019 MOVING PEOPLE TO MOVE THE WORLD

INCOME PROTECTION

ADDITIONAL BENEFITS

RESOURCES

ELIGIBILITY

HEALTH

WELL-BEING

WEALTH

PAID LEAVE

NOTICES

WHATYOUNEED TO KNOW SoulCycle is dedicated to providing you a comprehensive benefits program, offering you the flexibility to choose plans and coverages that meet your needs now and in the future.

WHATYOUNEEDTO DO

Below is a list to help prioritize what you need to do during this year's Open Enrollment period:

Zoom into or attend an onsite Open Enrollment meeting Start saving for retirement by making a 401(k) election during this Open Enrollment period through SmartBen Think about how used healthcare in the past year, and reviewall the options to understand which is the best choice for your needs Enroll by December 13, 2019 by logging on to ENROLL.SMARTBEN.COM

This guide has been built to provide an overview of the benefits available to you as an eligibleSoulCycle employee, during the 2020 plan year, running from January 1 - December 31, 2020.

Open enrollment runs from December 2, 2019 through December 13, 2019. Remember, this is your only opportunity to enroll in benefits for 2020 unlessyou have a life event enrollment is considered a passive enrollment. If you do nothing, you current coverage will roll over, with the exception of your Flexible Spending Account (FSA)

This benefit summary provides selected highlights of the employee benefits program available. It is not a legal document and shall not be construed as a guarantee of benefits nor of continued employment. All benefit plans are governed by master policies, contracts and plan documents. Any discrepancies between any information provided through this summary and the actual terms of such policies, contracts and plan documents shall be governed by the terms of such policies, contracts and plan documents. Our company reserves the right to amend, suspend or terminate any benefit plan, in whole or in part, at any time. The authority to make such changes rests with the Plan Administrator.

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INCOME PROTECTION

ADDITIONAL BENEFITS

ELIGIBILITY

HEALTH

WELL-BEING

WEALTH

PAID LEAVE

NOTICES

RESOURCES

SmartBEN SmartBEN Assist

Contacts

SmartBen contains your benefits, personalized communications

LOGIN Go to ENROLL.SMARTBEN.COM and enter your username and password:

Username: First initial+last name+last 4 digits of SSN+SC (ex: jsmith4893SC) Password: Date of birth as MMDDYYYY (ex: 06211981)

and decision making tools to help you efficiently manage your benefits.

NAVIGATE From your custom home page you can navigate through your benefit tools.

ENROLL Click on BEGIN ENROLLMENT from the main menu. Items with red lights will show you which benefits need your attention.

MANAGE Deciding how to manage your benefits and elections isa personal decision. Use the decision making tools to make the best choices for you.

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INCOME PROTECTION

ADDITIONAL BENEFITS

ELIGIBILITY

HEALTH

WELL-BEING

WEALTH

PAID LEAVE

NOTICES

RESOURCES

SmartBEN SmartBEN Assist

Contacts

Assist

SmartBen Assist is a one-stop contact center tohelp you and your family members with benefits inquiries.

WEBSITE

HELP STARTS HERE SmartBen Assist is an employee benefits resource center that provides comprehensive support for benefits questions and enrollment activities throughout the year.

www.smartben.com

For service

responsive, contact:

877.260.7563 SoulCycle@SmartBenAssist.com

COMPLETELY CONFIDENTIAL! Your dedicated SmartBen Assist advocates understand your benefit plans and are able to answer benefit questions. A majority of inquiries are resolved the same day and all calls adhere to privacy best practices. For escalated claims-specific issues, you and your family members can contact Aurora Vasil at Brio Benefit Consulting by calling 646-790-7982 or emailing avasil@briobenefits.com.

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INCOME PROTECTION

ADDITIONAL BENEFITS

ELIGIBILITY

HEALTH

WELL-BEING

WEALTH

PAID LEAVE

NOTICES

RESOURCES

CONTACTS

SmartBEN SmartBEN Assist

Contacts

MEDICAL Empire Blue Cross Blue Shield 844.857.4415 EMPIREBLUE.COM PHARMACY Empire Blue Cross Blue Shield 833.271.2374 EMPIREBLUE.COM

TRANSIT AND PARKING Benefit Resource Inc. 800.473.9595 BENEFITRESOURCE.COM

LIFE, AD&D, VOLUNTARY LIFE + AD&D AND SHORT/LONG TERM DISABILITY, Mutual of Omaha 800.769.7159 MUTUALOFOMAHA.COM 401(k) PLAN Empower Retirement 888.411.4015 EMPOWER-RETIREMENT.COM EMPLOYEE ASSISTANCE PLAN Mutual of Omaha 800.316.2796 MUTUALOFOMAHA.COM HEARING DISCOUNT PROGRAM AMPLIFONUSA.COM/MUTUALOFOMAHA 888.534.1747 WORLDWIDETRAVELASSISTANCE Mutual of Omaha 800.856.9947 (inside the U.S.) 312.935.3658 (outside the U.S. - call collect)

DENTAL Cigna 800.244.6224 MYCIGNA.COM VISION EyeMed

866.939.3633 EYEMED.COM ONE MEDICAL ONEMEDICAL.COM/MYBENEFIT

ONEMEDICAL.COM/MOBILE HELLO@ONEMEDICAL.COM FLEXIBLE SPENDING ACCOUNT Benefit Resource Inc. 800.473.9595 BENEFITRESOURCE.COM USERNAME: Social Security Number (no dashes) COMPANY CODE: soul; PASSWORD: home zip code HEALTH SAVINGS ACCOUNT Empire Blue Cross Blue Shield 844.857.4415 EMPIREBLUE.COM

LEGAL ASSISTANCE Rocket Lawyer 877.881.0947 GO.ROCKETLAWYER.COM/SOULCYCLE STUDENT LOAN ASSISTANCE CommonBond 800.975.7812 CBPARTNER.CO/SOULCYCLE

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INCOME PROTECTION

ADDITIONAL BENEFITS

RESOURCES

HEALTH

WELL-BEING

WEALTH

PAID LEAVE

NOTICES

ELIGIBILITY

Benefit Changes

Eligibility

ELIGIBILITY

a Declaration of Domestic Partnership, which canbe downloaded from the onSmartBen. Dependent children up to age 26, regardlessof student status, marital status, residence or financial dependence on you. For purposes of this plan, the term child is defined as: Your natural child A child for whom you are the legally appointed guardian with full financial responsibility Your stepchild Your legally adopted child or child placed with you for adoption A child named in a QualifiedMedical Child Support Order DOMESTIC PARTNER IMPUTED INCOME If the Domestic Partner is a non-federally qualified dependent, the fair market value cost of the Domestic coverage is considered additional income to the enrollee. Imputed income is always the difference in what the employer pays for total coverage, less what the employer would have paid if only tax-deductible eligible participants had elected coverage. Please also keep inmind that any employee contribution toward domestic partner (or non-tax dependent) coverages will be deducted from your pay on a post-tax basis. Your child age 26 or older who is incapable of self- support because of a total physical or mental disability

WHO IS ELIGIBLE? Youare eligible to participate in

Eligible groups include: All Full-Time Employees All Benefits Eligible Instructors All Variable Hour Employees who are benefit eligible due to ACA COVERAGE LEVELS Youmay choose from four coverage tiers for health benefits: Employee Employee + Spouse/Domestic Partner Employee + Child(ren) Family ELIGIBLE DEPENDENTS When you enroll yourself in the benefits program, you may also cover your eligible dependents. benefits program if you are a regular, full-time employee of SoulCycle scheduled to work 30or more hoursper week for theMedical, Dental and Vision Plans, and Ancillary Plans. Benefit Eligible Instructors are instructors teachingan average of 10 classes per week for the measurement period. Youwill be eligible the 1st of the month following 30 days ofemployment.

Eligible dependents include your:

Legal spouse Domestic partner (must meet certain criteria).Employees requesting domestic partner coverage must complete

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INCOME PROTECTION

ADDITIONAL BENEFITS

RESOURCES

HEALTH

WELL-BEING

WEALTH

PAID LEAVE

NOTICES

ELIGIBILITY

Benefit Changes

Eligibility

When you have a qualified life event, it is your responsibility to notify SmartBen within 30 days of the date of your life event.

BENEFIT CHANGES

CHANGING BENEFITS DURING THE YEAR The benefit elections you make during Open Enrollment (or when you first enroll) are effective through the sooner of 12 months or the end of the plan year. You cannot change your elections during the plan year unless you have a qualified life event, including: Change in your marital status (such as marriage or divorce) Addition of a dependent (the birth or adoption of a child) Death of a spouse or child Involuntary loss of eligibility for coverage under another benefit plan (as might result from termination of employment or a change in status, such as moving between part-time and full-time) Youor your spouse go on an unpaid leave of absence ANNUAL ENROLLMENT Youmay add, drop or make changes to your benefits each year during Open Enrollment. Youmay also add or drop dependents. Elections you make during open enrollment take effect on the first day of January and remain in effect for 12months, unless you have a qualified change in status. Changes must be consistent with the qualified life event.

STATUS CHANGE & BENEFIT ELIGIBILITY When you experience a qualifying life event, such as going from part-time to full-time, adding a dependent, or getting married, you (or your new dependents) will be eligible for benefits beginning on the date of the status change. Within 2 weeks of your life event, you will receive an emailed link to log into SmartBen Essentials to make your benefit elections. Benefit elections must be made within 30 days. If no action is taken, youwill have waived, or declined, coverage for the remainder of the benefit year. When you have a qualified life event, it is your responsibility to notify BenefitsVIP within 30 days of the date of your life event. Otherwise, you will have to wait until the next Open Enrollment period to change your benefits. Youwill be able to changeyour benefit elections as long as the changeis consistent with your qualifiedlife event.

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INCOME PROTECTION

ADDITIONAL BENEFITS

RESOURCES

ELIGIBILITY

WELL-BEING

WEALTH

PAID LEAVE

NOTICES

HEALTH

Medical

Prescriptions Comparison HSA vs. FSA

HSA

FSA

HCFSA

LPFSA

DCFSA Dental: High Dental: Low

Vision

Contributions

MEDICAL OVERVIEW

EMPIRE BLUE CROSSBLUE SHIELD 844.857.4415 EMPIREBLUE.COM

SoulCycle offers two types of medical plans through Empire Blue Cross Blue Shield, a CDHP and EPO. Both of these plans will be covered in detail in the following pages.

REGISTER ONLINE

CONSUMER DRIVEN HEALTH PLAN (CDHP) A CDHP is a health insurance plan with lowerpremiums and higher deductibles than a traditional healthplan.

PRISM EPO/BLUE PRIORITY The Empire Prism EPO/Blue Priority is an In-NetworkOnly Plan.

To find a provider, download your ID

card, access your claims details, or

your explanation of benefits (EOBs),

Preventive care is covered in full regardless ofwhether the deductible has beenmet. Preventive drugs are also covered in full and a list of those drugs is at the following link: https://www.anthem.com/preventive-care Participants pay for all other services until the deductible has beenmet. The deductible for In- and Out-of-Network services cross accumulate (eligible charges In-Network willalso accumulate to your Out-of-Network deductibles and eligible charges Out-of-Network will apply to your In- Network deductible) Any charges that are not eligible (e.g., services not covered or balance billed charges) do notaccumulate towards the deductible or out-of-pocketmaximum. Out-of-pocket maximums are NOT subject tocross accumulation.

Preventive care is covered in full, even if the deductible has not yet beenmet. Participants pay more out of their check forricher benefits such as office visit copays and lower deductibles. In a truemedical emergency, services are coveredIn- and Out-of-Network No one familymember can hit more than the individual deductible.

website EMPIREBLUE.COM

HOW DO I REGISTER?

Go to EMPIREBLUE.COM and click on REGISTER.

Youwill need your name, date of birth and Empire number.

Your Empire number is the number beneath your name on your id card (minus the letters).

Youwill need to choose a

username and password.

Once registered, you return to

EMPIREBLUE.COM and log in.

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INCOME PROTECTION

ADDITIONAL BENEFITS

RESOURCES

ELIGIBILITY

WELL-BEING

WEALTH

PAID LEAVE

NOTICES

HEALTH

Medical

Prescriptions Comparison HSA vs. FSA

HSA

FSA

HCFSA

LPFSA

DCFSA Dental: High Dental: Low

Vision

Contributions

PRESCRIPTION DRUGS

EMPIRE BLUE CROSS BLUE SHIELD 833.271.2374 EMPIREBLUE.COM

PRESCRIPTION DRUG COVERAGE Themedical plan provides prescription drugcoverage through BCBS IngenioRx, which includesa mail-order program. When you fill your prescription at a participating retail pharmacy, youmay purchase up toa 30- day supply of covered drugs. At the pharmacy, you will need to present your ID card andmake therequired copayment. MAIL-ORDER PROGRAM If you take prescription medication on an ongoing basis for chronic conditions, youmay use the BCBSmail-order pharmacy, which offers convenientmail order. Once you start, you can refill and renew your prescriptions from EMPIREBLUE.COM, and benefit from free standard shipping. Use the mail-order program to receive a90-day supply at a reducedcost.

STEP 2 Pay for your prescription: To set up your payments, select Complete your Profile and Communication Preferences from your personal pharmacy page, then View Pharmacy Payment Methods to

add/update your credit card on file.

SEND IN YOUR PRESCRIPTION

If you prefer to mail in your order, complete the Home Delivery Order Form found in the forms library on empireblue.com, and submit it to the address shown below:

IngenioRx Home Delivery PO Box 94467 Palatine, IL 60094-4467 Fax: 1-800-378-0323

GET STARTED Create a profile with your contact information and billing information either by phone at 833.271.2374 or online.

Be sure to include your prescription information and payment.

You may also want to ask your doctor for a 30-day prescription, which you can get filled at your regular pharmacy to make sure you have enough medicine to last until you get your first home delivery prescription.

STEP 1

Go to EMPIREBLUE.COM (if

alreadydone so,

register on the Empirewebsite). Click on PHARMACY. Click on VIEW YOUR PRESCRIPTIONS under SWITCH TO A 90 DAY SUPPLY. Choose Switch to a 90-day Supply and then Select Prescriber. You can also add or update your shipping address, shipping options and payment method on this page.

IMPORTANT; All prescriptions and refills, including those submitted by your physician, are processed as soon as they are received. Please do not submit yourprescription unless you are ready to have itfilled.

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INCOME PROTECTION

ADDITIONAL BENEFITS

RESOURCES

ELIGIBILITY

WELL-BEING

WEALTH

PAID LEAVE

NOTICES

HEALTH

Medical

Prescriptions Comparison HSA vs. FSA

HSA

FSA

HCFSA

LPFSA

DCFSA Dental: High Dental: Low

Vision

Contributions

MEDICAL PLANS

EMPIRE BLUE CROSS BLUE SHIELD 844.857.4415 EMPIREBLUE.COM

EPO BLUE PRIORITY NETWORK PLAN

CONSUMER DRIVEN HEALTH PLAN (offering a Health Savings Account (HSA))

ID CARDS

IN-NETWORK

OUT-OF-NETWORK

IN-NETWORK ONLY

Tocreate a temporary ID card/

Annual Deductible

Ind: $2,000; Fam: $4,000

Ind: $2,000; Fam: $4,000

Ind: $1,000; Fam: $2,500

request replacement ID cards

HSA Employer Funding

N/A

Ind: $800; Fam: $1,200

Out-of-Pocket Maximum (inc. deductible)

Ind: $3,425; Fam: $6,850

Ind: $5,000; Fam: $10,000

Ind: $5,080; Fam: $12,700

go to EMPIREBLUE.COM. Toget an ID card by mail call Empire

Lifetime Maximum

Unlimited

Unlimited

Unlimited

Preventive Care Adult Infant and Pediatric Well Woman Exams (2 per calendar year) Outpatient Care Primary Care Physician office visits Specialist office visits Outpatient facility surgery Laboratory services MRI, MRA, PET Scan, CT Scan, Ultrasound Radiology services

No Charge No Charge No Charge

80% coinsurance after deductible 80% coinsurance after deductible 80% coinsurance after deductible

No Charge No Charge No Charge

at 844.857.4415 (8:30am- 7pm ET).

90% coinsurance after deductible 90% coinsurance after deductible 90% coinsurance after deductible 90% coinsurance after deductible 90% coinsurance after deductible 90% coinsurance after deductible

80% coinsurance after deductible 80% coinsurance after deductible 80% coinsurance after deductible 80% coinsurance after deductible 80% coinsurance after deductible 80% coinsurance after deductible

$25 copay $40 copay

FIND A DOCTOR

100% coinsurance after deductible 100% coinsurance after deductible 100% coinsurance after deductible 100% coinsurance after deductible

Go to EMPIREBLUE.COM

Click on Find ADoctor Click on DOCTORS/MEDICAL

Inpatient Hospital Care

90% coinsurance after deductible 80% coinsurance after deductible 100% coinsurance after deductible

Emergency Room (waived if admitted) Ambulance (when medically necessary) At Hospital

PROFESSIONALS and enter your

90% coinsurance after deductible 90% coinsurance after deductible

90% coinsurance after deductible 90% coinsurance after deductible

No Charge $200 copay

name and specialty (if you

Urgent Care

90% coinsurance after deductible 90% coinsurance after deductible

$40 copay

have a provider go to the next

Mental Health Inpatient Outpatient

90% coinsurance after deductible 90% coinsurance after deductible

80% coinsurance after deductible 80% coinsurance after deductible

100% coinsurance after deductible $25 copay

step)

Durable Medical Equipment

90% coinsurance after deductible 80% coinsurance after deductible 100% coinsurance after deductible

Enter themile radius and zipcode

Chiropractic visits (no visit limits) Acupuncture (no visit limits) Physical Therapy (limit 120 visits/year)

90% coinsurance after deductible 90% coinsurance after deductible 90% coinsurance after deductible

80% coinsurance after deductible 80% coinsurance after deductible 80% coinsurance after deductible

$35 copay $25 copay $25 copay

YouMUST select:

- I want to search by Plan

Prescriptions Retail (up to 30 day supply)

(subject to medical plan deductible)

In-Network only

$50 deductible per person $10 (deductible waived)

- NewYork

$10 $30 $50

Tier1 Tier2 Tier3

$35 $70

- Medical Networks

- PPO/EPO (Employer-Sponsored Plans)

no deductible for home delivery $20 $70 $140

Mail Order (up to 90 day supply) Tier1 Tier2 Tier3

$20 $60 $100

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INCOME PROTECTION

ADDITIONAL BENEFITS

RESOURCES

ELIGIBILITY

HEALTH

WELL-BEING

WEALTH

PAID LEAVE

NOTICES

Medical

Prescriptions Comparison HSA vs. FSA

HSA

FSA

HCFSA

LPFSA

DCFSA Dental: High Dental: Low

Vision

Contributions

WHICHMEDICALPLANSARE ELIGIBLE FORSPENDING&SAVINGSACCOUNTS?

You can contribute funds to an HSA and/or an FSA to pay for health expenses on a pre-tax basis which helps reduce your taxable income.

CONSUMER DRIVEN HEALTH PLAN (offering a Health Savings Account (HSA))

EPO BLUE PRIORITY NETWORK PLAN

Health Savings Account (HSA) 2020 SoulCycle Contribution

Ind: $800; Fam: $1,200;

2020 Contribution Limit

Ind: $3,550; Fam: $7,100

2020 Employee Contribution Limit

Ind: $2,750; Fam: $5,900

Health Care Flexible Spending Account (HCFSA) 2020 Minimum Contribution

$100

2020 Contribution Limit

$2,750

Limited Purpose Flexible Spending Account (LPFSA) 2020 Minimum Contribution

$100 (dental and vision only)

2020 Contribution Limit

$2,750 (dental and vision only)

Dependent Care Flexible Spending Account (DCFSA) 2020 Minimum Contribution

$100

$100

2020 Contribution Limit

$5,000

$5,000

2020 HIGHLIGHTS

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INCOME PROTECTION

ADDITIONAL BENEFITS

RESOURCES

ELIGIBILITY

HEALTH

WELL-BEING

WEALTH

PAID LEAVE

NOTICES

Medical

Prescriptions Comparison HSA vs. FSA

HSA

FSA

HCFSA

LPFSA

DCFSA Dental: High Dental: Low

Vision

Contributions

HEALTHSAVINGSACCOUNT (HSA)

PNC BANK 1.888.PNC.BANK

UNDERSTANDING YOUR HSA An HSA is a special tax-advantaged savings account. With an HSA, you can pay for current eligible healthcare expenses and save for future qualifiedmedicalexpenses.

THE ADVANTAGESOF AHSA

Youmay take your

HSAs are owned by the individual and funds maybe used to pay for qualifiedmedical, dental and vision expenses Contributions, investment earnings and qualified distributions are exempt from federal income tax, FICA (social security and Medicare) tax and state income taxes (for most states) HSA funds roll over and accumulate year to year ifnot spent Youmay take your HSA when you leave SoulCycle as the funds belong to you once deposited andwill rollover from year to year

Health

SoulCycle will contribute monthly to an HSA foremployees who enroll in the Consumer DrivenHealth Plan(CDHP):

Savings Account

$800 annually for employee onlycoverage $1,200 annually for employee + dependentcoverage

(HSA)when you

You can also contribute pre-tax funds to theHSA up to a combined totalof: $3,550 for anindividual $7,100 for afamily

leave SoulCycle as

the funds belong

In order to open a HSA account,you:

Employees age 55 and older can contributean additional $1,000 as a catch up contribution.

Must be covered under a high deductible healthplan (like CDHP) Cannot have additional medicalcoverage Cannot be claimed as a taxdependent Cannot be enrolled inMedicare Cannot be contributing to an FSA unless it is aLimited Purpose Account (LPFSA)

toyou

once deposited.

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INCOME PROTECTION

ADDITIONAL BENEFITS

RESOURCES

ELIGIBILITY

HEALTH

WELL-BEING

WEALTH

PAID LEAVE

NOTICES

Medical

Prescriptions Comparison HSA vs. FSA

HSA

FSA

HCFSA

LPFSA

DCFSA Dental: High Dental: Low

Vision

Contributions

FLEXIBLESPENDING ACCOUNTS (FSAs)

BENEFIT RESOURCES INC. 800.473.9595 BENEFITRESOURCE.COM

FSAs are voluntary accounts that allow you to set aside pre-tax money for certain health care and dependent care expenses. These are separate accounts for separate purposes. Themonies in one account cannot be used to satisfy expenses in another account. Benefits Resource Inc., is the claims administrator for theFSAs.

EMPLOYEES ARE RESPONSIBLE FOR CHECKING THEIR FSA BALANCES.

There are two major types of FSAs: health care FSAs, and dependent care FSAs. The type of health care FSA you can participate in depends on whichmedical plan you are enrolled in.

SIGN UP

When you enroll in an FSA, you choose the annual amount you want to contribute, up to certain plan limits. This amount is deducted from your paycheck in equal installments before federal and Social Security taxes arewithheld. Youmay carry overup to $500 to reimburse qualified medical expenses from year to year. Your Dependent Care FSAisnot available for roll over. Be sure to budget on the conservative side to avoid losingmoney.

Go toBENEFITRESOURCE.COM

Click on LOGIN

Click onPARTICIPANT

For additional information on the differences between each FSA account, see the chart on page 14.

Username: Your Social Security Number (no dashes)

CHANGING YOUR FSA ELECTION

Company Code: SOUL

FSA elections are effective January 1st (or when you first enroll) and these plans run on a calendar year. If you experience a change in family or employment status, you may change your FSA election during the year. See Benefits during the on page 7 for more details. Also, for the Dependent Care FSA, a change in your dependent care provider or a significant increase in the cost of dependent care imposed by a provider is also treated as a in

MOBILE ACCOUNT ACCESS Go to BRIWEB.MOBI and enter your

Beniversal Master Card number

and Code

iPhone: Go to the Apple Store

Android: Go to Google Play

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INCOME PROTECTION

ADDITIONAL BENEFITS

RESOURCES

ELIGIBILITY

HEALTH

WELL-BEING

WEALTH

PAID LEAVE

NOTICES

Medical

Prescriptions Comparison HSA vs. FSA

HSA

FSA

HCFSA

LPFSA

DCFSA Dental: High Dental: Low

Vision

Contributions

FLEXIBLESPENDING ACCOUNTS (FSAs)

BENEFIT RESOURCES INC. 800.473.9595 BENEFITRESOURCE.COM

EMPLOYEES ARE RESPONSIBLE

Limited Purpose Health Care FSA

Health Care FSA

Dependent Care FSA

FOR CHECKING THEIR FSA

Anyone is eligible to contribute. Maximum contribution is on a per- household basis

EPO or on another plan, such as a spouse's plan. Cannot be enrolled in a CDHP

BALANCES.

Eligibility

CDHP enrollees only

SIGN UP

Anyone eligible to be covered under the medical plan is eligible, except domestic partners

Can cover expenses for children younger than age 13 and adult dependents who are incapable of caring for themselves Child care, nursery school, before/after school care, adult care, in-home dependent care, day camp Minimum contribution: $100 per plan year

Anyone eligible to be covered under the medical plan is eligible, except domestic partners Medical plan deductibles, prescription drugs, vision exams, glasses, contacts, laser eye surgery

Go toBENEFITRESOURCE.COM

Eligible Dependents

Click on LOGIN

Click onPARTICIPANT

Username: Your Social Security

Examples of Eligible Expenses

Dental and vision ONLY

Number (nodashes)

Company Code: SOUL

Minimum contribution: $100 per plan year Maximum contribution: $2,750 (2020 Plan Year)

Annual Contribution Limits

Maximum contribution: $5,000 (2020 Plan Year) Not eligible for rollover

MOBILE ACCOUNT ACCESS Go to BRIWEB.MOBI and enter your

Rollover

$500

Beniversal Master Card number and

Submit claims up to your year- to-date accumulated amount in your account (you will only be reimbursed based

Code

Immediate access to the entire election amount from the 1st payday of the plan year before all scheduled contributions have been made

Access To Funds

iPhone: Go to the Apple Store

on your accumulated contribution amounts)

Android: Go to Google Play

Save 20-40% on health care expenses Save on eligible purchases not covered by insurance Reduce taxable income

Save 20-40% on dental or vision care expenses ONLY Save on eligible purchases not covered by insurance Reduce taxable income

Save 20-40% on dependent care expenses Reduce taxable income

Pre-Tax Benefits

2020 HIGHLIGHTS

14

INCOME PROTECTION

ADDITIONAL BENEFITS

RESOURCES

ELIGIBILITY

HEALTH

WELL-BEING

WEALTH

PAID LEAVE

NOTICES

HEALTH

HCFSA and LIMTED PURPOSE FSA

DCFSA

Dental: High Dental: Low

Medical

Prescriptions Comparison HSA vs. FSA

HSA

FSA

Vision

Contributions

HEALTHCARE FSA (HCFSA) and LIMITED PURPOSE FSA

BENEFIT RESOURCES INC. 800.473.9595 BENEFITRESOURCE.COM

CONTRIBUTIONS Ifyouareenrolled intheEPOPlan, youmay contribute up to $2,750 per year throughpre-tax payroll deductions to your Health FSA. Any rollover amounts from the previous plan year will not count against this contribution limit. ELIGIBLE DEPENDENTS An eligible dependent under the HCFSA is anyone you list as a dependent on your federal income tax return. This includes your immediate family members, a close relative or other person whose primary residence is your homeand for whom you provide over 50%support.

PAYING ELIGIBLE EXPENSES Youmay pay for eligible health care expenses in one of two ways:

EMPLOYEES ARE RESPONSIBLE FOR CHECKING THEIR FSA BALANCES.

• Debit Card: Use the BRI Benefits Card to pay for your eligible health care expenses on the spot at qualified locations, such as a hospital, a office, adental or vision care office, or a pharmacy. When you use your BRI Benefits Card, you pay anymoney upfront and you have to file a claimand wait for reimbursement. • FSAClaim Form: In a few cases, you may need to file a claim. In this case, pay the provider directly, complete an FSA claim form and submit it to BRI. Youwill needto include a copy of the receipt with yourform. KEEP YOUR RECEIPTS Always keep a copy of your receipts in case BRI requires them to confirm or process a claim. Youmay carry over up to $500 to reimburse qualifiedmedical expenses fromyear to year.

SIGN UP

Go toBENEFITRESOURCE.COM

Click on LOGIN

Click onPARTICIPANT

Username: Your Social Security Number (no dashes)

ELIGIBLE HEALTH CARE EXPENSES Examples of eligible health care expensesinclude:

Company Code: SOUL

Password: Your 5-digit home zip code (you weill be prompter to change this upon initial login)

Copayments, deductibles and coinsurance not covered by medical or dentalinsurance Uninsured expenses, such as hearing aids,eyeglasses,

contact lenses and certain eyesurgeries Dental treatment (other thancosmetic) Prescriptions Diabeticsupplies Smoking cessationprograms

TERMINATION If you leave SoulCycle, you have ninety (90)days from the date of your termination to fileclaims that were incurred while you were active on the plan.

MOBILE ACCOUNT ACCESS

Go to BRIWEB.MOBI and enter your Beniversal Master Card number and Code

Those enrolled in the CDHP/HSA are not eligible to participate in the Health Care FSA. However youcan enroll in:

FSA dollars cannot be used for expenses incurred post-termination, unless you are eligible for (and elect) COBRA.

iPhone: Go to the Apple Store

Android: Go to GooglePlay

The Limited Purpose FSA, whichallows employees who enroll in the CDHP to set aside up to $2,750 in a pre-tax account to pay for qualifiedDental and Visionexpenses.

2020 HIGHLIGHTS

15

INCOME PROTECTION

ADDITIONAL BENEFITS

RESOURCES

ELIGIBILITY

HEALTH

WELL-BEING

WEALTH

PAID LEAVE

NOTICES

Medical

Prescriptions Comparison HSA vs. FSA

HSA

FSA

HCFSA

LPFSA

DCFSA Dental: High Dental: Low

Vision

Contributions

DEPENDENTCAREFSA(DCFSA)

BENEFIT RESOURCES INC. 800.473.9595 BENEFITRESOURCE.COM

CONTRIBUTIONS Youmay contribute up to $5,000 per year. This annual maximumapplies to all contributions made by you and your spouse to a dependent care account. If you aremarried and filing separately for federal incometax purposes, you may elect to contribute up to $2,500per year.

ELIGIBLE DEPENDENT CARE EXPENSES Youcan be reimbursed for day care expenses you have in a plan year, if the expenses are necessary to allow youand your spouse to work. Eligible expensesinclude:

EMPLOYEES ARE RESPONSIBLE FOR CHECKING THEIR FSA BALANCES.

Before- and after-schoolprograms Day care (child andadult) Nursery school or preschool Summer day camps

SIGN UP

ELIGIBLE DEPENDENTS Eligibledependents for the DCFSAinclude:

Go toBENEFITRESOURCE.COM

These services may be provided inside or outside your home by babysitters, companions or eligible day care centers. Servicesmay not, however, be provided by someone you claimas a dependent on your taxreturn. PAYING ELIGIBLE EXPENSES Youmust pay your dependent care provider directly and then file a claimfor reimbursement. Complete an FSA claimform and submit it to BRI along with your receipts. Make sure the receipts include service dates and your taxpayer identification number. Youhave until March 31st of the following year to submit claims for eligible expenses incurred during the prior year.

Click on LOGIN

Your dependent child(ren) under age 13 who lives with you for more than half the year and for whom you can claim an exemption A child under age 13 for whom you have custody if you are divorced or legallyseparated Your spouse who is physically or mentally incapable of self- care A dependent of any age, such as an elderly parent or other adult dependent, who meets all of thefollowing criteria: - Is physically or mentally incapable of caring forhimself or herself - Receives over half of his or her support fromyou - Liveswith you for more than half the year,and - Is your sibling, step-sibling or any of their descendants; a parent or step-parent or any of their ancestors; an aunt, uncle, niece, or nephew; children or parents-in-law; or an unrelated individual who shares your residence as a member of thehousehold

Click onPARTICIPANT

Username: Your Social Security Number (no dashes)

Company Code: SOUL

Password: Your 5-digit home zip code (you will be prompted to change this upon initial login)

MOBILE ACCOUNT ACCESS

TERMINATION If you leave SoulCycle, you have ninety (90)days from the date of your termination to fileclaims that were incurred while you were active on the plan.

Go to BRIWEB.MOBI and enter your Beniversal Master Card number and Code

iPhone: Go to the Apple Store

Youcan only claimmonthly amount eachmonth Youcannot use in advance

Android: Go to GooglePlay

2020 HIGHLIGHTS

16

INCOME PROTECTION

ADDITIONAL BENEFITS

RESOURCES

ELIGIBILITY

HEALTH

WELL-BEING

WEALTH

PAID LEAVE

NOTICES

Medical

Prescriptions Comparison HSA vs. FSA

HSA

FSA

HCFSA

LPFSA

DCFSA Dental: High Dental: Low

Vision

Contributions

DENTAL PLANS

CIGNA 800.244.6224 MYCIGNA.COM

PPO HIGH PLAN

IN-NETWORK / OUT-OF-NETWORK

Annual Deductible

IND: $50; Fam: $150

TWO PLAN OPTIONS SoulCycle offers two Cigna dental plans

Annual Benefit Maximum (per Person)

$1,500

Orthodontia Lifetime Maximum

$1,000

Class I: Diagnostic & Preventive Services

100% coinsurance

to eligible employees (i..e, High and

Oral Examinations (2 in 1 year) Cleanings (2 in 1 year) Fluoride (Children to age 19 / 1 in 1 year) Bitewing X-Rays: (2 in 1 year) Space Maintainers (Non-Orthodontic for children under 19) Full Mouth X-Rays (1 in 3 years) Sealants (limited to posterior tooth) (1 per tooth in 3 years for children under 14) Emergency Care to Relieve Pain

Low Preferred Provider Organization

(PPO) Plan), both offering access to the

Total Cigna DPPO network.

REGISTER ON CIGNA Make the most of your dental plan by

registering onMYCIGNA.COM to get

Class II: Basic Restorative 80% coinsurance after deductible Restorative: fillings

individualized information, set to

Endodontics: minor and major Periodontics: minor and major Oral Surgery: minor and major Anesthesia: General and IV Sedation

your dental plan.

FIND A DENTIST

Class III: Major Restorative 50% coinsurance after deductible Inlays and Onlays (1 in 5 years) Prosthesis Over Implant (1 in 5 years) Crowns, Bridges and Dentures (1 in 5 years) Repairs: Bridges, Crowns and Inlays Repairs: Dentures (Reviewed if more than once)

Go to MYCIGNA.COM

Click on FIND A DOCTOR Enter your what you are looking for

and click SEARCH;

Select the Total Cigna DPPO Plan

Denture Relines Rebases and Adjustments (covered if more than 6 months after installation) Class IV: Orthodontia

25% coinsurance

Employee and All Dependents

Frequency and/or age limitations may apply to these services. These limits are described in the booklet/certificate or evidence of coverage. Out-of-Network benefits are subject to Usual, Reasonable, and Customary charges. Out-of-Network Reimbursement Level is 80th Percentile. UCR rates refer to research which has determined the fair and reasonable charges for variousmedical procedures and treatments as well as fee for service charges based on the region of the country in which those services are provided.

2020 HIGHLIGHTS

17

INCOME PROTECTION

ADDITIONAL BENEFITS

RESOURCES

ELIGIBILITY

HEALTH

WELL-BEING

WEALTH

PAID LEAVE

NOTICES

Medical

Prescriptions Comparison HSA vs. FSA

HSA

FSA

HCFSA

LPFSA

DCFSA Dental: High Dental: Low

Vision

Contributions

DENTAL PLANS

CIGNA 800.244.6224 MYCIGNA.COM

PPO LOWPLAN

IN-NETWORK / OUT-OF-NETWORK

TWO PLAN OPTIONS

Annual Deductible

IND: $50; Fam: $150

SoulCycle offers two Cigna dental

Annual Benefit Maximum (per Person)

$750

Class I: Diagnostic & Preventive Services

100% coinsurance

plans for its eligible employees (i.e.,

Oral Examinations (2 in 1 year) Cleanings (2 in 1 year) Fluoride (Children to age 19 / 1 in 1 year)

High and Low Preferred Provider

Organization (PPO) Plan) offering

the Total Cigna DPPO Network.

Bitewing X-Rays: (2 in 1 year) Class II: Basic Restorative

60% coinsurance after deductible

X-Rays Non-Routine (full mouth or Panoramic - 1 every 3 years) Restorative: fillings Sealants (limited to posterior tooth) (1 per tooth in 3 years for children under 14) Space Maintainers (Non-Orthodontic for children under 19)

REGISTER ON CIGNA

Make the most of your dental plan

by registering on MYCIGNA.COM

to get individualized information,

Oral Surgery: simple extractions Emergency Care to Relieve Pain Class III: Major Restorative

set to your dental plan.

50% coinsurance after deductible

Anesthesia: General and IV Sedation Oral Surgery: minor and major Endodontics: minor and major Periodontics: minor and major Inlays and Onlays (1 in 5 years) Prosthesis Over Implant (1 in 5 years) Crowns, Bridges and Dentures (1 in 5 years) Repairs: Bridges, Crowns and Inlays Repairs: Dentures (Reviewed if more than once) Denture Relines Rebases and Adjustments (covered if more than 6 months after installation)

FIND A DENTIST

• Go to MYCIGNA.COM

• Click on FIND A DOCTOR

• Enter your what you are looking

for and click SEARCH; or click

on DENTIST under Find a

Person and click on a specialty

dentist by grouping

Frequency and/or age limitations may apply to these services. These limits are described in the booklet/certificate or evidence of coverage. Out-of-Network benefits are subject to Usual, Reasonable, and Customary charges. Out-of-Network Reimbursement Level is 80th Percentile. UCR rates refer to research which has determined the fair and reasonable charges for variousmedical procedures and treatments as well as fee for service charges based on the region of the country in which those services are provided.

2020 HIGHLIGHTS

18

INCOME PROTECTION

ADDITIONAL BENEFITS

RESOURCES

ELIGIBILITY

HEALTH

WELL-BEING

WEALTH

PAID LEAVE

NOTICES

Medical

Prescriptions Comparison HSA vs. FSA

HSA

FSA

HCFSA

LPFSA

DCFSA Dental: High Dental: Low

Vision

Contributions

VISION PLAN

EYEMED 866.939.3633 EYEMEDVISIONCARE.COM

IN-NETWORK

OUT-OF-NETWORK

Up to a maximum reimbursement of $30

VISION CARE PLAN • In-Network. The benefits are

Exam With Dilation

$10 copay

Exam With Retinal Imaging

Up to $39

N/A

greater and there are no claim

Frequency Exam

12 months 12 months 12 months 12 months

12 months 12 months 12 months 12 months

forms to file. Youwill receive

Lenses Frames

discounts on many vision care

Contact Lenses

services and products.

$150 allowance plus 20%off balance over $150

Up to a maximum reimbursement of $75

Frames

• Out-of-Network. You are

Lenses

responsible for filing claims and

Up to a maximum reimbursement of $25 Up to a maximum reimbursement of $40

Single Focal

$10 copay

will be reimbursed at the

Bifocal

$10 copay

scheduled amounts.

Up to a maximum reimbursement of $60

Trifocal

$10 copay

FIND A PROVIDER

Up to a maximum reimbursement of $60 Up to a maximum reimbursement of $40 Up to a maximum reimbursement of $40

Lenticular

$10 copay

Go toEYEMED.COM

Standard Progressives

$101-113 copay

Click on FIND AN EYE DOCTOR Enter your ZIP CODE and select the

Premium ProgressiveLens

$95-$120 copay

Insight Network from the drop-

down menu

Contact Lenses (in lieu of a complete set of glasses) Standard Contact Fit & Follow-up Visit

Narrow your search results by

Up to $55

N/A

selecting other criteria or using

Premium Contact Fit & Follow-up Visit

10% off Retail

N/A

the Advanced Search function

Up to a maximum reimbursement of $210 Up to a maximum reimbursement of $120

Medically Necessary

Covered 100%

$150 allowance plus 15% off balance over $150

Conventional

2020 HIGHLIGHTS

19

INCOME PROTECTION

ADDITIONAL BENEFITS

RESOURCES

ELIGIBILITY

HEALTH

WELL-BEING

WEALTH

PAID LEAVE

NOTICES

Medical

Prescriptions Comparison HSA vs. FSA

HSA

FSA

HCFSA

LPFSA

DCFSA Dental: High Dental: Low

Vision

Contributions

CONTRIBUTIONS

STANDARD CONTRIBUTIONS

MEDICAL CDHP

EMPLOYEE BI-WEEKLY RATE 26 PAYPERIODS

MEDICAL EPO

EMPLOYEE BI-WEEKLY RATE 26 PAYPERIODS

Employee

$38.06

Employee

$53.41

Employee + Spouse

$151.26

Employee + Spouse

$194.96

Employee + Child(ren)

$126.05

Employee + Child(ren)

$170.92

Family

$226.89

Family

$293.78

DENTAL PPOHIGH

EMPLOYEE BI-WEEKLY RATE 26 PAYPERIODS

DENTAL PPOLOW

EMPLOYEE BI-WEEKLY RATE 26 PAYPERIODS

Employee

$30.02

Employee

$9.46

Employee + Spouse

$60.04

Employee + Spouse

$17.97

Employee + Child(ren)

$58.53

Employee + Child(ren)

$18.91

Family

$84.06

Family

$26.96

VISION

EMPLOYEE BI-WEEKLY RATE 26 PAYPERIODS

Employee

$4.07

Employee + Spouse

$7.72

Employee + Child(ren)

$8.12

Family

$11.94

DOMESTIC PARTNER CONTRIBUTIONS

MEDICAL CDHP PRE-TAX

POST-TAX

IMPUTED INCOME

MEDICAL EPO PRE-TAX

POST-TAX

IMPUTED INCOME

Employee + Domestic Partner Family + Domestic Partner

$38.06

$113.20

$136.38

Employee + Domestic Partner Family + Domestic Partner

$53.41

$141.55

$175.62

$126.05

$100.84

$196.27

$170.92

$122.86

$273.61

DENTAL PPO HIGH PRE-TAX

POST-TAX

DENTAL PPO LOW PRE-TAX

POST-TAX

Employee + Domestic Partner Family + Domestic Partner

$30.02

$30.02

Employee + Domestic Partner Family + Domestic Partner

$9.46

$8.51

$58.53

$25.53

$18.91

$8.04

VISION PRE-TAX

POST-TAX

Employee + Domestic Partner Family + Domestic Partner

$4.07

$3.65

2020 HIGHLIGHTS

20

$8.12

$3.82

INCOME PROTECTION

ADDITIONAL BENEFITS

RESOURCES

ELIGIBILITY

HEALTH

WEALTH

PAID LEAVE

NOTICES

WELL-BEING

One Medical LiveHealth Hearing EAP

Wecover themembership fees for you, your spouse, and your eligible dependents. Questions? Check out the FAQsand other resources atONEMEDICAL.COM/MYBENEFIT or email One Medical anytime at HELLO@ONEMEDICAL.COM ONE MEDICAL One Medical is an innovative primary care practice that offers high-rated, tech-enabled health care. From same- day and next-day appointments that start on time to 24/7 virtual care, it easy to get the careyou deserve, whenever and wherever you need it.

ONE MEDICAL ONEMEDICAL.COM/MYBENEFIT HELLO@ONEMEDICAL.COM

MEMBERSHIP

SIGN UP

• Preventive Services: Receive focused, tailored attention to reach your health goals, prevent disease, review family medical history, and understandwhat vaccines youmay need. • Primary Care: Manage acute and chronic conditions including anxiety/stressmanagement, cold/flu,digestive disorders, sports injuries, allergies/asthma, diabetes, hypertension, weight management, etc. • 24/7 Virtual Care: After your first in-person visit you can use the free mobile app to access a doctor 24/7, anywhere in the world for free. no copay, billto your insurance, or additionalfee. • On-Site Lab Services: After a provider orders your test, trained phlebotomists can draw blood and collect diagnostic samples. No appointment needed. Your test results and analysis are emailed to you. • Dedicated Support Team: Thepatient service professionals provide you with easy explanations and guidance for insurance, paperwork andbilling coordination, and cost-saving solutions. Contact them anytime via phone, email, or the mobileapp.

Go to ONEMEDICAL.COM/ MYBENEFIT Use the Soul Cycle code SLC1MED to get started

MAKE AN APPOINTMENT

WHO IS ELIGIBLE? Benefit-eligible employees, spouses, and dependents aged 14 and up are eligible for membership at no cost.(normally up to $199/year).

Youmust first SIGN UP

Download the free mobile app at ONEMEDICAL.COM/MOBILE for appointment booking and free 24/7 virtual care

HOW DOES IT WORK WITHMY INSURANCE?

Your standard deductibles, copayments, and coinsurance apply for in-person visits, however, 24/7 virtual care is completely free. You do not need to be on medical plan to be a member.

2020 HIGHLIGHTS

21

INCOME PROTECTION

ADDITIONAL BENEFITS

RESOURCES

ELIGIBILITY

HEALTH

WEALTH

PAID LEAVE

NOTICES

WELL-BEING WEL -BEING

One Medical

Hearing i l LiveHealth Hearing EAP EAP

LIVEHEALTH

LIVEHEALTH 888.548.3432 LIVEHEALTHONLINE.COM

When you need to see a doctor, use LiveHealth Online to have a video visit with a board-certified doctor, 24/7 on your smartphone, tablet or computer with a webcam. It’s easy to use and more convenient than a trip to urgent care.

SIGN UP

Visit livehealthonline.comor

WHO IS ELIGIBLE? All SoulCycle employees are eligible, even if you are not eligible for benefits or choose not to enroll in the health plan.

download the free mobile app

BENEFITS

Sign up for free and get: •

Immediate, 24/7 access to doctors.

• Prescriptions sent to the pharmacy of your choice, • if needed. • Medical care for common health conditions like the flu, • a cold, sinus infection, pink eye and more!

Doctors using LiveHealth Online typically charge $59 or less per visit, depending on your health plan.

2020 HIGHLIGHTS

22

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