• Respect other members – please do not threaten, abuse, intimidate or harass other Forum users
• Use the Forum for your personal use only. Posting entries to promote commercial ventures is not allowed
• To the extent you are an employee or are related to an employee of AMERCO or its subsidiaries (combined, "the Company"), you agree that you will not post any material, non-public information about the Company.

• Post any private information or otherwise harvest, collect or disclose information, about another Forum user without his or her express consent.
• Post any content to the Forum that is unlawful, racist, libelous, defamatory, obscene, or harasses particular individuals or groups. This includes anything that may infringe upon any third-party’s intellectual property or other rights or would give rise to criminal or civil liability.
• Use the Forum for advertisements, chain letters, “spamming”, junk mail or any other solicitations.
• Impersonate any person or entity, including any Company employees, or falsely state or otherwise misrepresent your affiliation with any person or entity.
• Imply that the Company endorses any of your statements or positions.
• Transmit any harmful, invasive or disruptive code or other materials (such as viruses, worms or web bugs) through or to the Forum, or otherwise “hack” or deface any portion of the Forum.
• Frame or mirror any part of the Forum without our prior written authorization.
• You acknowledge that the Company has the right, but not the obligation, to modify or remove any submissions that violate Forum Community Rules or that otherwise violate the Terms of Use.

The Forum is provided by the Company. Your use of the Forum is subject to your compliance with the terms and conditions set forth in this Terms of Use agreement (”Terms of Use”), which supplement any additional guidelines or other terms posted on the Forum in relation to specific site-related services or content. Although you can access and read portions of the Forum by visiting the site, you must register as a member to use certain Forum features – such as posting comments.

Please note that we reserve the right to update or modify the Terms of Use without advance notice by posting a revised Terms of Use to this website. Visitors to the Forum can determine whether the Terms of Use have been modified since your last visit by checking the “Last updated” legend posted at the top of the Terms of Use agreement. By using Forum, you agree to be bound by the version of the Terms of Use then in effect. If at any point you no longer agree to the Terms of Use, please arrange to cancel your registration by notifying the Company electronically at http://www.amerco.com and/or discontinuing your use of the Forum. The Company may deny service to you at any time, including in the event you do not adhere to the Terms of Use.

NEITHER THE COMPANY NOR ANY OF OUR AFFILIATES, DIRECTORS, OFFICERS, EMPLOYEES OR CONSULTANTS ARE RESPONSIBLE OR LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, PUNITIVE OR OTHER DAMAGES UNDER ANY CONTRACT, NEGLIGENCE, STRICT LIABILITY OR OTHER THEORY ARISING OUT OF OR RELATING IN ANY WAY TO THE SITE AND/OR MATERIALS CONTAINED ON THE SITE, ANY LINKED SITE OR ANY CONTENT OR SERVICE AVAILABLE THROUGH THE SITE. YOUR SOLE REMEDY FOR DISSATISFACTION WITH THE SITE, CONTENT, SERVICES OR ANY LINKED SITE IS TO STOP YOUR USE OF IT.

You agree to defend, indemnify and hold harmless the Company and our directors, officers, employees and consultants, from and against any and all claims, damages, losses, costs (including reasonable attorneys’ fees) and other expenses that arise out of or from (a) your activities in connection with the Forum; (b) any violation of these Terms of Use by you; or (c) any allegation that any submissions or other materials you submit to us or transmit to the Company infringe or otherwise violate the copyright, trademark, trade secret or other intellectual property or other rights of any third party.

These Terms of Use are governed by and construed in accordance with the laws of Arizona, United States of America, without regard to its conflict of law principles. You agree to submit to the exclusive jurisdiction of any court located in the jurisdiction of the Arizona, United States of America, and waive any jurisdictional, venue or inconvenient forum objections to such courts, in any matter arising out of or related to the Company or these Terms of Use. If any provision of these Terms of Use is found to be unlawful, void or for any reason unenforceable, then that provision will be deemed severable from these Terms of Use and will not affect the validity and enforceability of any remaining provisions. The Company may assign its rights and obligations under these Terms of Use. These, together with all policies referred to herein, are the entire agreement between us relating to the subject matter herein and supersedes any and all prior or contemporaneous written or oral agreements between us with respect to such subject matter.

Disclosure of Company information to the public may result in certain legal ramifications for employees of the Company. One aspect of this is SEC Regulation FD. Below is a summary of issues related to Regulation FD.

The SEC, in its release adopting Regulation FD, expressed concern about issuers’ “selective disclosure” of material nonpublic information to certain categories of recipients, including securities analysts and major investors. In the SEC’s view, these selective disclosures enabled their beneficiaries to trade on the information before it was made public, at the expense of average investors and their confidence in the integrity of the market. To level the playing field between what it termed “market insiders” and average investors, the SEC promulgated Regulation FD.

1. Rule 100 – The Basic Requirement.
   Rule 100(a) sets forth the general requirement of Regulation FD, which is that material nonpublic information be disclosed (if at all) to the public rather than “selectively.” Rule 100(a) applies to disclosures of material nonpublic information made by the issuer or “any person acting on its behalf” to certain categories of recipients, as described below. In the event of such disclosures, public disclosure (e.g., via a Form 8-K filing) is required as described in the following table:

   Type of Disclosure	Deadline for Public Disclosure
   Intentional	“Simultaneous”
   Non-intentional	“Prompt” (i.e., as soon as reasonably practicable but not later than 24 hours or the commencement of trading on the day after a senior official of the issuer learns about the non-intentional disclosure)



2. Covered Speakers – The Company and “Any Person Acting on Its Behalf.”
   Regulation FD only applies to selective disclosures made by certain persons within the issuer. These persons (i.e., those who are considered to be acting on behalf of the issuer) include “senior officials” of the issuer and other officers, employees or agents of the issuer who regularly communicate with the categories of information recipients covered by Regulation FD, which are listed in Section A.3 below. “Senior Officials” of the issuer include:
   • directors and executive officers; and
   • investor relations or public relations officers (or persons with similar functions).


3. Covered Recipients.
   Regulation FD is also limited to selective disclosures made to certain categories of recipients outside the issuer, which recipients the adopting release characterize as “market insiders.” These recipients (collectively, “Covered Recipients”) include:
   • brokers or dealers, or persons associated with them;
   • investment advisers or institutional investment managers, or persons associated with them;
   • investment companies or affiliated persons; and
   • holders of the issuer’s securities, if it is reasonably foreseeable that the person(s) will trade in the issuer’s securities based on the information.
   Rule 100(b)(2) sets forth certain categories of recipients to whom material nonpublic information may be disclosed without triggering a public disclosure obligation under Regulation FD. These types of recipients include persons owing a duty of trust or confidence to the issuer (e.g., its attorneys or accountants), persons expressly agreeing to maintain the information in confidence and businesses intending to issue credit ratings with respect to the issuer.



4. “Material Nonpublic Information” Defined.
   In its adopting release, the SEC did not attempt to define “material nonpublic information” specifically for purposes of Regulation FD. The release did provide, however, a non-exhaustive list of certain types of information that might be considered material, including:
   • earnings information;
   • mergers, acquisitions, tender offers, joint ventures, or changes in assets;
   • new products or discoveries, or developments regarding customers or suppliers (e.g., the acquisition or loss of a contract);
   • changes in control or in management;
   • change in auditors or auditor notification that the company may no longer rely on an auditor’s audit report;
   • events regarding the issuer’s securities – e.g., defaults on senior securities, calls of securities for redemption, repurchase plans, stock splits or changes in dividends, changes to the rights of security holders, public or private sales of additional securities; and
   • bankruptcies or receiverships.