SoulCycle 2020 Expat 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

EMPLOYEE ASSISTANCE PLAN Mutual of Omaha 800.316.2796 MUTUALOFOMAHA.COM

MEDICAL GeoBlue

iNSIDE THE U.S.: 855.282.3513 OUTSIDE THE U.S.: 610.254.5304 GEO-BLUE.COM

DENTAL Cigna 800.244.6224 MYCIGNA.COM

HEARING DISCOUNT PROGRAM AMPLIFONUSA.COM/MUTUALOFOMAHA 888.534.1747

FLEXIBLE SPENDING ACCOUNT Benefit Resource Inc. 800.473.9595 BENEFITRESOURCE.COM USERNAME: Social Security Number (no dashes) COMPANY CODE: soul; PASSWORD: home zip code

WORLDWIDETRAVELASSISTANCE Mutual of Omaha 800.856.9947 (inside the U.S.) 312.935.3658 (outside the U.S. - call collect)

SHORT/LONG TERM DISABILITY Mutual of Omaha 800.769.7159 MUTUALOFOMAHA.COM

LEGAL ASSISTANCE Rocket Lawyer 877.881.0947 GO.ROCKETLAWYER.COM/SOULCYCLE

401(k) PLAN Empower Retirement 888.411.4015 EMPOWER-RETIREMENT.COM

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 Ancillary Plans. Benefit Eligible Instructors are instructors teaching an average of 10 classes per week for the measurement period. You will be eligible the 1st of the month following 30 days of employment.

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

FSA HCFSA DCFSA Dental: High Dental: Low Contributions

MEDICAL PLAN

GEOBLUE INSIDE THE U.S. 855.282.3517 OUTSIDE THE U.S. 610.254.5304 GEO-BLUE.COM

INSIDE THE U.S. IN-NETWORK

INSIDE THE U.S. OUT-OF-NETWORK

OUTSIDE THE U,S.

Annual Deductible

N/A

Ind: $300; Fam: $600

Ind: $600; Fam: $1,200

Out-of-Pocket Maximum (inc. deductible)

N/A

Ind: $1,800; Fam: $3,600

Ind: $3,600; Fam: $7,200

Lifetime Maximum

Unlimited

Unlimited

Unlimited

Preventive Care Adult Infant and Pediatric Well Woman Exam

No Charge No Charge No Charge

No Charge No Charge No Charge

No Charge No Charge No Charge

Outpatient Care Primary Care Physician office visits Specialist office visits Outpatient facility surgery Laboratory services MRI, MRA, PET Scan, CT Scan, Ultrasound Radiology services

$20 copay $20 copay

60% coinsurance after deductible 60% coinsurance after deductible 60% coinsurance after deductible 60% coinsurance after deductible 60% coinsurance after deductible 60% coinsurance after deductible

No Charge No Charge No Charge No Charge No Charge

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

Inpatient Hospital Care

No Charge

80% coinsurance after deductible

60% coinsurance after deductible

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

60% coinsurance after deductible 60% coinsurance after deductible

80% coinsurance after deductible $20 copay

No Charge

Urgent Care

No Charge

80% coinsurance after deductible

60% coinsurance after deductible

Mental Health Inpatient Outpatient

80% coinsurance after deductible $20 copay

60% coinsurance after deductible 60% coinsurance after deductible

No Charge No Charge

Durable Medical Equipment

No Charge

80% coinsurance after deductible

60% coinsurance after deductible

Prescriptions Retail (up to 30 day supply)

No Charge No Charge No Charge

$5 $30 $120

50% per script after deductible 50% per script after deductible 50% per script after deductible

Tier1 Tier2 Tier3

Mail Order (up to 90 day supply) Tier1 Tier2 Tier3 Vision Benefits Examination (1 per year) Lenses or Frames (1 per year)

Not Covered Not Covered Not Covered

$15 $90 $360

Not Covered Not Covered Not Covered

No Charge No Charge up to a maximum benefit of $250

No Charge No Charge up to a maximum benefit of $250

No Charge No Charge up to a maximum benefit of $250

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INCOME PROTECTION

ADDITIONAL BENEFITS

RESOURCES

ELIGIBILITY

WELL-BEING

WEALTH

PAID LEAVE

NOTICES

HEALTH

Medical

Prescriptions Comparison

FSA HCFSA DCFSA Dental: High Dental: Low Contributions

GETTING STARTED

GEOBLUE INSIDE THE U.S. 855.282.3517 OUTSIDE THE U.S. 610.254.5304 GEO-BLUE.COM

REGISTER FOR IMPORTANT PLAN INFORMATION

GET YOUR ID CARD

It is important to have your ID card to access healthcare services; youwill need to present your ID cardwhenever you receive medical care. This card can be accessed frommultiple sources: Your ID card(s) will bemailed to you You can show, fax, email, or request a physical copy of your ID card through the app A temporary ID card is available in the Member Hub on www.geo-blue.com Customer Service can provide replacement ID cards When you receive your ID card, please check the information for accuracy. Call Customer Service if you find an error.

Register to access important plan information:

Display an electronic ID card Locate Blue Cross and Blue Shieldproviders and hospitalswithin the U.S. Locate carefullyselected, trusted providers and hospitals outside of the U.S. Arrangedirect payment to your provider

Access global health and safety tools including translations, drug equivalents, news and safety information Submit and track claims

To register, visit www.geo-blue.comor download the GeoBlue app from the Apple, Amazon or Google Play app stores. After you register you can use your log in information for both the GeoBluewebsite and app.

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INCOME PROTECTION

ADDITIONAL BENEFITS

RESOURCES

ELIGIBILITY

WELL-BEING

WEALTH

PAID LEAVE

NOTICES

HEALTH

Medical

Prescriptions

Comparison

FSA HCFSA DCFSA Dental: High Dental: Low Contributions

FINDINGCAREOUTSIDE THE U.S.

GEOBLUE INSIDE THE U.S. 855.282.3517 OUTSIDE THE U.S. 610.254.5304 GEO-BLUE.COM

FIND A PROVIDER Outside the U.S., you have access to care through the GeoBlue provider network. To find a contracteddoctor or

REQUEST DIRECT PAY To avoid paying up front for medical care and submitting a claim, arrange for Direct Pay:* Use www.geo-blue.comor the GeoBlue app to find a provider, viewa profile and complete a request form Email globalhealth@geo-blue.comthe name of your provider, the reason for your appointment and the date and time of your scheduledvisit Call collect at 610.254.8771 Call toll free inside the U.S. at 800.257.4823 For optimal service, request Direct Pay at least 48 hours prior to your appointment.

www.geo-blue.comor

request Direct Pay at least 48 hours prior to your appointment to avoid paying out-of-pocket for medical care and submitting claims.* Outside of the U.S., you are free to see any provider you choose without a reductionof benefits. If you see a non- contractedprovider, youmay have to pay out of pocket for treatment and submit a claim. SCHEDULE AN APPOINTMENT To schedule an appointment, choose a participating provider or hospital through the Member Hub or app. Contact themdirectly using the information in their profile. After youmake your appointment, contact us to provide Direct Pay. For optimal service, request Direct Pay at least 48 hours prior to your appointment. This is necessary when scheduling follow-up appointments as well. In many countries providers require payment at the time of the visit unless Direct Pay has been arranged.

VISION CARE WORLDWIDE You are free to see any vision care provider you choose.

bill GeoBlue directly. If so, they should send the claim form and invoice to: GeoBlue, Attn: Claims Department, P.O. Box 1748, Southeastern, PA 19399-1748, USA. If Direct Pay is not

submit a claim to GeoBlue.

PRESCRIPTION BENEFITS OUTSIDE OF THE U.S. Utilize the international mail order process to fill your prescription, or pay for your prescription, complete and submit a claim form for reimbursement. To download the appropriate forms, visit Prescription Benefits in the Coverage & Benefits section of the Member Hub at www.geo-blue.com.

To arrange for Direct Pay: Use www.geo-blue.comor the GeoBlue app Email globalhealth@geo-blue.com Call collect on +1.610.254.8771 Call toll free inside the U.S. on 1.800.257.4823

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INCOME PROTECTION

ADDITIONAL BENEFITS

RESOURCES

ELIGIBILITY

WELL-BEING

WEALTH

PAID LEAVE

NOTICES

HEALTH

Medical

Prescriptions Comparison

FSA HCFSA DCFSA Dental: High Dental: Low Contributions

FINDINGCARE INSIDE THE U.S.

GEOBLUE INSIDE THE U.S. 855.282.3517 OUTSIDE THE U.S. 610.254.5304 GEO-BLUE.COM

FINDING CARE INSIDE THE U.S. GeoBlue members have access to the Blue Cross and Blue Shield network within the U.S., Puerto Rico, and U.S. Virgin Islands. To find a doctor or facility, visit the

USING AN OUT-OF-NETWORK PROVIDER This typically results in a higher coinsurance and may result in additional costs to you. If you receive care from an out-of-network provider, you may need to pay out of pocket and submit a claim for Member Hub on www.geo-blue. com to download the appropriate claim form. Submit claims electronically using the GeoBlue eClaim

the Member Hub on www.geo-blue.com or select GeoBlue app.

Contact us for assistance: Toll free within the U.S.: 855.282.3517

Outside the U.S.: 610.254.5304 customerservice@geo-blue.com

SCHEDULE AN APPOINTMENT WITH A BLUE CROSS BLUE SHIELD PROVIDER Call the provider to confirm they are in-network and schedule your appointment. You will need to show the provider your ID card at the time of service.

PRE-AUTHORIZATION INSIDE THE U.S. Your plan requires that certain services be pre- authorized before you receive them. Pre- authorization involves reviewing the medical necessity of certain procedures and can help determine the most appropriate setting for certain services and whether a different, equally effective treatment is available. Innovations in health care enable doctors to provide services, once provided exclusively in an inpatient setting, in many different settings, such as an outpatient department of a initiate preauthorization, you are responsible for initiating the pre-authorization process to determine whether the services are medically necessary. For more information regarding pre-authorization please see the Certification Requirements and Pre- Authorization section in your Certificate. To request pre-authorization, contact us: 800.952.3404.

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INCOME PROTECTION

ADDITIONAL BENEFITS

RESOURCES

ELIGIBILITY

HEALTH

WELL-BEING

WEALTH

PAID LEAVE

NOTICES

Medical

Prescriptions Comparison

FSA HCFSA DCFSA Dental: High Dental: Low Contributions

FLEXIBLESPENDING ACCOUNTS (FSAs)

BENEFIT RESOURCES INC. 800.473.9595 BENEFITRESOURCE.COM

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 which medical plan you are enrolled in. 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. 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 are withheld. Youmay carry over up to $500 to reimburse qualifiedmedical expenses from year to year. Your Dependent Care FSA is not available for roll over. Be sure to budget on the conservative side to avoid losing money.

EMPLOYEES ARE RESPONSIBLE FOR CHECKING THEIR FSA BALANCES.

SIGN UP

Go toBENEFITRESOURCE.COM

Click on LOGIN

Click onPARTICIPANT

Username: Your Social Security Number (no dashes)

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

Company Code: SOUL

CHANGING YOUR FSA ELECTION

FSA elections are effective January 1st (or when you first enroll) and these plans run on a calendar year. If you experience a

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

FSA HCFSA DCFSA Dental: High Dental: Low Contributions

FLEXIBLESPENDING ACCOUNTS (FSAs)

BENEFIT RESOURCES INC. 800.473.9595 BENEFITRESOURCE.COM

EMPLOYEES ARE RESPONSIBLE

Health Care FSA

Dependent Care FSA

FOR CHECKING THEIR FSA

Anyone is eligible to contribute. Maximum contribution is on a per- household basis 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 Maximum contribution: $5,000 (2020 Plan Year) Submit claims up to your year- to- date accumulated amount in your account (you will only be reimbursed based on your accumulated contribution amounts) Not eligible for rollover

EPO or on another plan, such as a spouse's plan.

Eligibility

BALANCES.

SIGN UP

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

Go toBENEFITRESOURCE.COM

Eligible Dependents

Click on LOGIN

Click onPARTICIPANT

Medical plan deductibles, prescription drugs, vision exams, glasses, contacts, laser eye surgery Minimum contribution: $100 per plan year Maximum contribution: $2,750 (2020 Plan Year)

Username: Your Social Security

Examples of Eligible Expenses

Number (nodashes)

Company Code: SOUL

Annual Contribution Limits

MOBILE ACCOUNT ACCESS Go to BRIWEB.MOBI and enter your

Rollover

$500

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

Beniversal Master Card number and

Access To Funds

Code

iPhone: Go to the Apple Store

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 dependent care expenses Reduce taxable income

Pre-Tax Benefits

2020 HIGHLIGHTS

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INCOME PROTECTION

ADDITIONAL BENEFITS

RESOURCES

ELIGIBILITY

HEALTH

WELL-BEING

WEALTH

PAID LEAVE

NOTICES

HEALTH

Medical

Prescriptions Comparison

FSA HCFSA DCFSA Dental: High Dental: Low Contributions

HEALTHCARE FSA (HCFSA)

BENEFIT RESOURCES INC. 800.473.9595 BENEFITRESOURCE.COM

CONTRIBUTIONS 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 countagainst this contribution limit.

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.

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.

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

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

2020 HIGHLIGHTS

14

INCOME PROTECTION

ADDITIONAL BENEFITS

RESOURCES

ELIGIBILITY

HEALTH

WELL-BEING

WEALTH

PAID LEAVE

NOTICES

Medical

Prescriptions Comparison

FSA HCFSA DCFSA Dental: High Dental: Low 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

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INCOME PROTECTION

ADDITIONAL BENEFITS

RESOURCES

ELIGIBILITY

HEALTH

WELL-BEING

WEALTH

PAID LEAVE

NOTICES

Medical

Prescriptions Comparison

FSA HCFSA DCFSA Dental: High Dental: Low 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

16

INCOME PROTECTION

ADDITIONAL BENEFITS

RESOURCES

ELIGIBILITY

HEALTH

WELL-BEING

WEALTH

PAID LEAVE

NOTICES

Medical

Prescriptions Comparison

FSA HCFSA DCFSA Dental: High Dental: Low 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

17

INCOME PROTECTION

ADDITIONAL BENEFITS

RESOURCES

ELIGIBILITY

HEALTH

WELL-BEING

WEALTH

PAID LEAVE

NOTICES

Medical

Prescriptions Comparison

FSA HCFSA DCFSA Dental: High Dental: Low Contributions

CONTRIBUTIONS

STANDARD CONTRIBUTIONS

GE0-BLUE PLAN

EMPLOYEE BI-WEEKLY RATE 26 PAYPERIODS

Employee

$53.41

Employee + Spouse

$194.96

Employee + Child(ren)

$170.92

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

DOMESTIC PARTNER CONTRIBUTIONS

GEO-BLUE PLAN PRE-TAX

POST-TAX

IMPUTED INCOME

Employee + Domestic Partner

$53.41

$141.55

$175.62

Family + Domestic Partner

$170.92

$122.86

$273.61

DENTAL PPO HIGH PRE-TAX

POST-TAX

DENTAL PPO LOW PRE-TAX

POST-TAX

Employee + Domestic Partner

$30.02

$30.02

Employee + Domestic Partner

$9.46

$8.51

Family + Domestic Partner

$58.53

$25.53

Family + Domestic Partner

$18.91

$8.04

2020 HIGHLIGHTS

18

INCOME PROTECTION

ADDITIONAL BENEFITS

RESOURCES

ELIGIBILITY

HEALTH

WEALTH

PAID LEAVE

NOTICES

WELL-BEING EL -BEING

Hearing EAP

HEARINGDISCOUNT PROGRAM

AMPLIFON HEARING HEALTH CARE 888.534.1747

AMPLIFONUSA.COM/ MUTUALOFOMAHA

Through a partnership with Amplifon Hearing Health Care,SoulCycle provides hearing aid benefits and discounted hearing screening services to ouremployees.

The national network of credentialed hearing care professionals and clinics are dedicated to helping you hear better with custom hearing solutions from theleading manufacturers at negotiated lowprices.

PROGRAMBENEFITS

About 36 million Americans have a

Low price guarantee on hearingaids Discount on hearing testing anddiagnostics Continuous care: One year free follow-up, three year warranty and two years freebatteries Risk Free 60-day trial period with money backguarantee ...and more

hearing loss, according to the Center for

Disease Control and Prevention .

2020 HIGHLIGHTS

19

INCOME PROTECTION

ADDITIONAL BENEFITS

RESOURCES

ELIGIBILITY

HEALTH

WEALTH

PAID LEAVE

NOTICES

WELL-BEING EL -BEING

One Medical

Hearing Live ealth Hearing

EAP

EAP

EMPLOYEE ASSISTANCE PROGRAM (EAP)

MUTUAL OF OMAHA 888.316.2796 MUTUALOFOMAHA.COM/EAP

not always easy. Sometimes a

The EAPprovides you and your family:

Experienced EAPStaff

Work/Life balance Substanceabuse Dependent and elder care assistance and referral services Access to a library of educational articles, handoutsand resources viawebsite WHAT TO EXPECT Information gathered by the EAP is confidential the EAPdoes with SoulCycle about your situation unless there is a risk of others. Your EAPbenefits are provided through SoulCycle. There is no cost to you for utilizing EAPservices. If additional resources are needed, your EAPwill help locate appropriate providers in your area.

level professionals who can provide assistance for a

variety of personal and professionalmatters Emotional well-being Family and relationships Legal and financial Health lifestyles Work and Life transitions

personal or professional issue can get in the way of maintaining a healthy, productive life.

EAP BENEFITS

Unlimited telephone access to EAPprofessionals 24 hours a day, seven days aweek Telephone assistance and referral Service for employees and eligibledependents Legal assistance and financial services Will Preparation Legal library and online forms

2020 HIGHLIGHTS

20

INCOME PROTECTION

ADDITIONAL BENEFITS

RESOURCES

ELIGIBILITY

HEALTH

WELL-BEING

WEALTH

PAID LEAVE

NOTICES

401(K) PLAN

EMPOWER RETIREMENT 888.411.4015 EMPOWER-RETIREMENT.COM

NEED HELP UNDERSTANDING HOW MUCH TO CONTRIBUTE? HighTower Fiduciary Plan Advisors is a team of advisors that SoulCycle has selected to provide fiduciary advice to you as a participant plan.

401(K) In order to help you save for retirement, SoulCycle offers eligible employees the opportunity to voluntarily contribute to the SoulCycle 401(k) Plan. You are eligible to enroll on the 1 st of the month following 30 days of employment.

HIGHTOWER 443.578.3201 401KADVISOR@HTFPA.COM

Eligibleemployees may enroll online anytime at EMPOWER- RETIREMENT.COMor by callingEmpower Retirement directly at 888.411.4015. Youmay defer up to 100% of your annual earnings to amaximumamount determined by the IRS each year ($19,500 in2020). Employeeswho are or will become age 50 or older are eligible to defer an additional sum of money tothe plan ($6,500in 2020). If you are interested in enrolling in this catch-up provision, please contact theBenefits Department. All contributions can be made on a pre-tax basis. Youdirect how your contributions are investedwith a wide range of fundoptions. SoulCycle provides a discretionarymatch, after oneyear of employment. Thematch is currently equal to 50% of the first 3% of your deferral contributions to amaximumdeferral rate of 1.5%. Thematch may be provided to all eligible employees who are actively employed at the endof the plan year (December31 st ).

HighTower Fiduciary Plan Advisors also providesthe following services to you as a planparticipant:

YOUR 401(K)

You can enroll and make changes

Answer questions on the availableinvestments Provide educational webinars on retirementtopics Assists in developing an investmentstrategy Provide in-person, group and 1-on-1meetings Provide phone support for 1-on-1 investmentadvice Provide newsletters and FinancialWellnessprograms If you have a question that you would like to discuss with HighTower Fiduciary Plan Advisors or you would like to schedule ameetingwith one of their advisors, contact them at 443.578.3201, or send your questionsto 401KADVISOR@HTFPA.COM

to your retirement plan at any time

during the year after you are eligible

to participate.

ENROLL

Go to EMPOWER-RETIREMENT.COM

Click on LOGIN

Click on INDIVIDUAL

Click on RETIREMENT PLAN

Click on REGISTER

Enter your SSN, home zip code, last name, date of birth and the numeric portion of your street address

Click CONTINUE

2020 HIGHLIGHTS

21

ADDITIONAL BENEFITS

INCOME PROTECTION

RESOURCES

ELIGIBILITY

HEALTH

WELL-BEING

WEALTH

PAID LEAVE

NOTICES

Voluntary Life and AD&D

Basic Life and AD&D

Disability

INCOME PROTECTION

MUTUAL OF OMAHA 800.769.7159 MUTUALOFOMAHA.COM

BASIC LIFE AND ACCIDENTAL DEATH&DISMEMBERMENT (AD&D) INSURANCE Life and AD&D Insurance are some of the most valuable benefits available to you. They are often referred to as because they provide financial security toyour loved ones in the event of your death or severe injury.

benefits

Financial security to your loved ones inthe event of your death or severe injury.

SoulCycle provides the following Life and AD&D Insurance benefits at no cost toyou :

Eligible?

All regular full time employees working at least 30 hours per week

Life Benefit Amount

$50,000

AD&D Benefit Amount

$50,000

Guarantee Issue Amount (amount you are eligible for without having to provide evidence of insurability)

$50,000

Reduces to 65% of original amount at age 65 Reduces to 40% of original amount at age 70 Reduces to 25% of original amount at age 75

Reduction of Benefits Schedule

In the event of your death, life insurancepays benefits to your beneficiary. Your beneficiary is the person(s) or estate that will receive the benefit payment from your coverage in the event of your death. Youwill need to name your LifeInsurance beneficiary on SmartBen. AD&D Insurance protects you in case of accidental death or injury; for example if you lose a limb, eyesight or hearing. AD&Dbenefit payments are determined based on the type of loss incurred and are payable up to the full Life Insurance benefitamount.

2020 HIGHLIGHTS

22

ADDITIONAL BENEFITS

INCOME PROTECTION

RESOURCES

ELIGIBILITY

HEALTH

WELL-BEING

WEALTH

PAID LEAVE

NOTICES

Voluntary Life and AD&D

Basic Life and AD&D

Disability

INCOME PROTECTION

MUTUAL OF OMAHA 800.769.7159 MUTUALOFOMAHA.COM

VOLUNTARY LIFE AND ACCIDENTAL DEATH & DISMEMBERMENT (AD&D) INSURANCE Supplemental life insurance provides important financial protection in the event of your death. All employees are eligible to purchase this benefit and premiums are paid by the employee. Employeeswho enter the plan after their initial qualifying event date will need to provide Evidenceof Insurability. The form can be downloaded from the form section on SMARTBEN.

BENEFIT

EMPLOYEE

SPOUSE/DOMESTIC PARTNER

DEPENDENTCHILDREN

Five times (5X)annual salary in increments of $10,000

100% of

benefits in

Benefit Amount

$10,000 benefit

increments of $5,000

Minimum Benefit Amount

$10,000

$5,000

$10,000

The lesser of 100% of the employee amount or $100,000

Maximum Benefit Amount

$500,000

$10,000

Guaranteed Coverage Amount*

$150,000

$30,000

$10,000

Reduces to 65% of original amount at age70 Reduces to 45% of original amount at age75 Reduces to 30% of original amount at age80 Reduces to 20% of original amount at age85 Reduces to 15% of original amount at age90

Reduces to 65% of original amount at age70 Reduces to 45% of original amount at age75 Reduces to 30% of original amount at age80 Reduces to 20% of original amount at age85 Reduces to 15% of original amount at age90

Reduction of Benefits Schedule

No Reduction

*Guaranteedcoverage means the maximum amount of coverage availableduring the initial enrollment period with no medical information required.

VOLUNTARY LIFE AND AD&D INSURANCE RATE TABLE

AGE BAND

EMPLOYEE MONTHLY (PER $1,000) (both employee and spouse rate) (spouse

ALL CHILDREN (PER $1,000)

AGE

EMPLOYEE MONTHLY (PER $1,000)

ALL CHILDREN (PER $1,000)

BAND (both employee and spouse rate) (spouse

<24

$0.10

$0.17

60-64

$1.19

$0.17

25-29

$0.10

65-69

$2.11

30-34

$0.11

70-74

$3.77

35-39

$0.13

75-79

$6.20

40-44

$0.19

80-84

$12.55

45-49

$0.31

85-89

$12.55

50-54

$0.50

90+

$12.55

55-59

$0.77

2020 HIGHLIGHTS

23

ADDITIONAL BENEFITS

INCOME PROTECTION

RESOURCES

ELIGIBILITY

HEALTH

WELL-BEING

WEALTH

PAID LEAVE

NOTICES

Voluntary Life and AD&D

Basic Life and AD&D

Disability

DISABILITY

MUTUAL OF OMAHA 800.769.7159 MUTUALOFOMAHA.COM

SHORT TERM DISABILITY (STD) The STDPlan replaces a percentage of your weekly salary for up to 26 consecutiveweeks of non-workrelated disability. Benefits begin after 8 consecutive days of absence due to illness or accident.

STD & LTD TAX CHOICE SoulCycle pays the STD<Dpremium for you. In the event you become eligible for either benefit, the benefit payment would be taxable to you. Some employees may want the additional financial protection of having the benefit paid-out taxfree. In order to dothis, the insurance premiummust be paid by you, post-tax, in advance of becoming eligiblefor a benefit payment. On an annual basis, we give you the option to choose between the following: SoulCycle pays the STDor LTDpremium, andany benefit payment made to youwould betaxable at the time of your disability; Or, you can pay your STDor LTDpremium, and any benefit payment would be paid taxfree at the time of your disability.

SoulCycle provides short- termand long- term disability coverage at no cost to you. These plans replace aportion of your income ifyou become disabled.

Benefit Percentage

60% of weeklyearnings

Maximum Weekly Benefits

$1,000

Elimination Period: Illness

7 days

Elimination Period: Accident

7 days

Maximum Duration of Benefits

26 weeks

LONG TERM DISABILITY (LTD) After 180 consecutive days of disability, you become eligible for LTDbenefits. LTDbenefits replace a percentage of your monthly earnings, up to amaximumof $7,000 per month.

Benefit Percentage

60% of pre-disability earnings

Definition of Disability

2 years own occupation

Maximum Monthly Benefits

$7,000

Elimination Period

180 days

Social Security retirement age/ Reducing benefit duration

Maximum Duration of Benefits

Pre-Existing Conditions Limitations

3/12

Behavioral Health Limitations

24 Months

2020 HIGHLIGHTS

24

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