Which of the following is NOT exempt from needing a driver’s license?

The option regarding persons holding a school permit is the choice that is not exempt from needing a driver's license. A school permit is a type of restricted driver's license issued to individuals who are in the process of learning how to drive. This permit allows them to practice driving under certain conditions. Since it is a form of licensing specifically designed for those who are still in training, individuals holding a school permit are indeed required to possess this permit or a driver's license to operate a vehicle legally.

In contrast, non-residents with licenses from other states can operate a vehicle without obtaining a local driver's license, reflecting the principle of reciprocity between states. Similarly, 16-year-olds operating a moped or farmers operating farm equipment are also subject to specific exemptions that allow them to operate those vehicles without a full driver's license in certain circumstances. Thus, while there are various exceptions based on age and purpose of driving, specific licensing requirements are still mandatory for those with school permits.