LTH: Material agreement · New financial obligation

Item 1.01. Entry into a Material Definitive Agreement. On August 12, 2026, Life Time, Inc. (the “ Borrower ”) and certain of its wholly-owned subsidiaries, each of which is a wholly-owned subsidiary of Life Time Group Holdings, Inc., entered into that certain Sixteenth Amendment to Credit Agreement (the “ Amendment ”), which amended the existing credit agreement (as amended and restated, the “ Credit Agreement ”). The Amendment provides for a refinancing of the $985 million term loan facility (the “ 2026 Term Loan Facility ”) to reduce the interest rate margin by 0.25% to 1.75%. With this reduction and as a result of the interest rate swaps that are hedging the variable interest payments on the 2026 Term Loan Facility, the effective fixed interest rate associated with the 2026 Term Loan Facility borrowings is now 5.159%. Loans under the 2026 Term Loan Facility were issued at par with no original issue discount. The 2026 Term Loan Facility continues to mature on November 5, 2031. The foregoing description of the Amendment does not purport to be complete and is qualified in its entirety by reference to the Amendment, a copy of which is attached as Exhibit 10.1 to this Current Report on Form 8-K and incorporated into this Item 1.01 by reference. Item 2.03. Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant. The information set forth in Item 1.01 above is incorporated by reference into this Item 2.03. Item 9.01. Financial Statements and Exhibits. (d) Exhibits Exhibit Number Description 10.1 Sixteenth Amendment to the Credit Agreement, dated as of August 12, 2026, by and among LTF Intermediate Holdings, Inc., Life Time, Inc., the subsidiary guarantors party thereto, the lenders party thereto, and Deutsche Bank AG