LIGHTHOUSE LEARNING AND DEVELOPMENT takes its clients’ financial privacy very seriously. We restrict access to
nonpublic personal information about you to those employees who need to know that information to provide products or
services to you. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard
your nonpublic personal information.

We may collect nonpublic information about you from the following sources: (I) information we receive from you on
applications or other forms; (ii) information about your transactions with our affiliates, others; or us and (iii) information we
receive from a consumer reporting agency. We may disclose the following information to companies that perform marketing
services on our behalf or to other institutions with whom we have joint marketing agreements: (I) information we receive
from you on contracts or other forms; (ii) information about your transactions with us, our affiliates, or others, such as your
payment history; (iii) information we receive from a consumer reporting agency, such as your credit worthiness, credit score,
or credit history. If you prefer that we not disclose nonpublic information about your organization to non-affiliated third
parties, you may opt out of those disclosures, that is, you may direct us not to make those disclosures (other than disclosures
permitted by law). If you wish to opt out of disclosures to non-affiliated third parties, you may e-mail us at Lighthouse
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