<SEC-DOCUMENT>0000004457-20-000009.txt : 20200110
<SEC-HEADER>0000004457-20-000009.hdr.sgml : 20200110
<ACCEPTANCE-DATETIME>20200110083209
ACCESSION NUMBER:		0000004457-20-000009
CONFORMED SUBMISSION TYPE:	S-3ASR
PUBLIC DOCUMENT COUNT:		11
FILED AS OF DATE:		20200110
DATE AS OF CHANGE:		20200110
EFFECTIVENESS DATE:		20200110

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			AMERCO /NV/
		CENTRAL INDEX KEY:			0000004457
		STANDARD INDUSTRIAL CLASSIFICATION:	SERVICES-AUTO RENTAL & LEASING (NO DRIVERS) [7510]
		IRS NUMBER:				880106815
		STATE OF INCORPORATION:			NV
		FISCAL YEAR END:			0331

	FILING VALUES:
		FORM TYPE:		S-3ASR
		SEC ACT:		1933 Act
		SEC FILE NUMBER:	333-235872
		FILM NUMBER:		20519507

	BUSINESS ADDRESS:	
		STREET 1:		5555 KIETZKE LANE STE 100
		CITY:			RENO
		STATE:			NV
		ZIP:			89511
		BUSINESS PHONE:		7756886300

	MAIL ADDRESS:	
		STREET 1:		5555 KIETZKE LANE
		STREET 2:		SUITE 100
		CITY:			RENO
		STATE:			NV
		ZIP:			89511

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	AMERCO
		DATE OF NAME CHANGE:	19770926
</SEC-HEADER>
<DOCUMENT>
<TYPE>S-3ASR
<SEQUENCE>1
<FILENAME>s3.htm
<DESCRIPTION>S-3ASR
<TEXT>
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            <p style="margin-top:0pt; margin-bottom:0pt; text-align:center; font-size:10pt"><a name="_DMBM_820"></a><a name="_CSF_TOC_1"></a><a name="EDGAR_PAGE_START1"></a><font style="font-family:'Times New Roman'">As filed with the Securities and Exchange Commission on January 10, 2020</font></p>
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                        <p style="margin-top:0pt; margin-bottom:0pt; text-align:right; font-size:10pt"><font style="font-family:'Times New Roman'; font-weight:bold">Registration No. 333-</font></p>
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            <p style="margin-top:0pt; margin-bottom:0pt; text-align:center; font-size:18pt"><font style="font-family:'Times New Roman'; font-weight:bold">UNITED STATES</font></p>
            <p style="margin-top:0pt; margin-bottom:0pt; text-align:center; font-size:18pt"><font style="font-family:'Times New Roman'; font-weight:bold">SECURITIES AND EXCHANGE COMMISSION</font></p>
            <p style="margin-top:0pt; margin-bottom:0pt; text-align:center; font-size:10pt"><font style="font-family:'Times New Roman'; font-weight:bold">Washington, D.C. 20549</font></p>
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            <p style="margin-top:0pt; margin-bottom:0pt; text-align:center; font-size:18pt"><font style="font-family:'Times New Roman'; font-weight:bold">FORM S-3</font></p>
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            <p style="margin-top:0pt; margin-bottom:0pt; text-align:center; font-size:10pt"><font style="font-family:'Times New Roman'; font-weight:bold">REGISTRATION STATEMENT</font><font style="font-family:'Times New Roman'"> </font><font style="font-family:'Times New Roman'; font-weight:bold">UNDER</font><font style="font-family:'Times New Roman'"> </font><font style="font-family:'Times New Roman'; font-weight:bold">THE SECURITIES ACT OF 1933</font></p>
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            <p style="margin-top:0pt; margin-bottom:0pt; text-align:center; font-size:24pt"><font style="font-family:'Times New Roman'; font-weight:bold">AMERCO</font></p>
            <p style="margin-top:0pt; margin-bottom:0pt; text-align:center; font-size:10pt"><font style="font-family:'Times New Roman'; font-weight:bold">(Exact name of registrant as specified in its charter)</font></p>
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                        <p style="margin-top:0pt; margin-bottom:0pt; text-align:center; font-size:10pt"><font style="font-family:'Times New Roman'; font-weight:bold">Nevada</font></p>
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                        <p style="margin-top:0pt; margin-bottom:0pt; text-align:center; font-size:10pt"><font style="font-family:'Times New Roman'; font-weight:bold">88-0106815</font></p>
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                        <p style="margin-top:0pt; margin-bottom:0pt; text-align:center; font-size:10pt"><font style="font-family:'Times New Roman'; font-weight:bold">(State or other jurisdiction of</font></p>
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                        <p style="margin-top:0pt; margin-bottom:0pt; text-align:center; font-size:10pt"><font style="font-family:'Times New Roman'; font-weight:bold">(I.R.S. Employer</font></p>
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                        <p style="margin-top:0pt; margin-bottom:0pt; text-align:center; font-size:10pt"><font style="font-family:'Times New Roman'; font-weight:bold">of incorporation or organization)</font></p>
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                        <p style="margin-top:0pt; margin-bottom:0pt; text-align:center; font-size:10pt"><font style="font-family:'Times New Roman'; font-weight:bold">Identification Number)</font></p>
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            <p style="margin-top:0pt; margin-bottom:0pt; text-align:center; font-size:10pt"><font style="font-family:'Times New Roman'; font-weight:bold">5555 Kietzke Lane, Suite</font><font style="font-family:'Times New Roman'; font-weight:bold">&#xa0;</font><font style="font-family:'Times New Roman'; font-weight:bold">100</font></p>
            <p style="margin-top:0pt; margin-bottom:0pt; text-align:center; font-size:10pt"><font style="font-family:'Times New Roman'; font-weight:bold">Reno, Nevada 89511</font></p>
            <p style="margin-top:0pt; margin-bottom:0pt; text-align:center; font-size:10pt"><font style="font-family:'Times New Roman'; font-weight:bold">(775)</font><font style="font-family:'Times New Roman'; font-weight:bold">&#xa0;</font><font style="font-family:'Times New Roman'; font-weight:bold">688-6300</font></p>
            <p style="margin-top:0pt; margin-bottom:0pt; text-align:center; font-size:10pt"><font style="font-family:'Times New Roman'; font-weight:bold">(Address, including zip code, and telephone number, including area code,</font></p>
            <p style="margin-top:0pt; margin-bottom:0pt; text-align:center; font-size:10pt"><font style="font-family:'Times New Roman'; font-weight:bold">of registrant&#8217;s principal executive offices)</font></p>
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            <p style="margin-top:0pt; margin-bottom:0pt; text-align:center; font-size:10pt"><font style="font-family:'Times New Roman'; font-weight:bold">Laurence De Respino, Esq.</font></p>
            <p style="margin-top:0pt; margin-bottom:0pt; text-align:center; font-size:10pt"><font style="font-family:'Times New Roman'; font-weight:bold">General Counsel</font></p>
            <p style="margin-top:0pt; margin-bottom:0pt; text-align:center; font-size:10pt"><font style="font-family:'Times New Roman'; font-weight:bold">AMERCO</font></p>
            <p style="margin-top:0pt; margin-bottom:0pt; text-align:center; font-size:10pt"><font style="font-family:'Times New Roman'; font-weight:bold">5555 Kietzke Lane, Suite</font><font style="font-family:'Times New Roman'; font-weight:bold">&#xa0;</font><font style="font-family:'Times New Roman'; font-weight:bold">100</font></p>
            <p style="margin-top:0pt; margin-bottom:0pt; text-align:center; font-size:10pt"><font style="font-family:'Times New Roman'; font-weight:bold">Reno, Nevada 89511</font></p>
            <p style="margin-top:0pt; margin-bottom:0pt; text-align:center; font-size:10pt"><font style="font-family:'Times New Roman'; font-weight:bold">(775)</font><font style="font-family:'Times New Roman'; font-weight:bold">&#xa0;</font><font style="font-family:'Times New Roman'; font-weight:bold">688-6300</font></p>
            <p style="margin-top:0pt; margin-bottom:0pt; text-align:center; font-size:10pt"><font style="font-family:'Times New Roman'; font-weight:bold">(Name, address, including zip code, and telephone number, including</font></p>
            <p style="margin-top:0pt; margin-bottom:0pt; text-align:center; font-size:10pt"><font style="font-family:'Times New Roman'; font-weight:bold">area code, of agent for service)</font></p>
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            <p style="margin-top:0pt; margin-bottom:0pt; text-align:center; font-size:10pt"><font style="font-family:'Times New Roman'; font-weight:bold; font-style:italic">Copy to:</font></p>
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            <p style="margin-top:0pt; margin-bottom:0pt; text-align:center; font-size:10pt"><font style="font-family:'Times New Roman'; font-weight:bold">Gregory R. Hall, Esq.</font></p>
            <p style="margin-top:0pt; margin-bottom:0pt; text-align:center; font-size:10pt"><font style="font-family:'Times New Roman'; font-weight:bold">DLA Piper LLP (US)</font></p>
            <p style="margin-top:0pt; margin-bottom:0pt; text-align:center; font-size:10pt"><font style="font-family:'Times New Roman'; font-weight:bold">2525 East Camelback Road, Suite 1000</font></p>
            <p style="margin-top:0pt; margin-bottom:0pt; text-align:center; font-size:10pt"><font style="font-family:'Times New Roman'; font-weight:bold">Phoenix, AZ 85016</font></p>
            <p style="margin-top:0pt; margin-bottom:0pt; font-size:10pt"><font style="font-family:'Times New Roman'">&#xa0;</font></p>
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            <p style="margin-top:0pt; margin-bottom:0pt; font-size:10pt"><font style="font-family:'Times New Roman'; font-weight:bold">Approximate date of commencement of proposed sale to the public: </font><font style="font-family:'Times New Roman'">From time to time after the effective date of this registration statement.</font></p>
            <p style="margin-top:0pt; margin-bottom:0pt; font-size:10pt"><font style="font-family:'Times New Roman'">&#xa0;</font></p>
            <p style="margin-top:0pt; margin-bottom:0pt; font-size:10pt"><font style="font-family:'Times New Roman'">If the only securities being registered on this form are being offered pursuant to dividend or interest reinvestment plans, please check the following box:</font><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'">[</font><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'">]</font></p>
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            <p style="margin-top:0pt; margin-bottom:0pt; font-size:10pt"><font style="font-family:'Times New Roman'">If any of the securities being registered on this form are to be offered on a delayed or continuous basis pursuant to Rule</font><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'">415 under the Securities Act of 1933, other than securities offered only in connection with dividend or interest reinvestment plans, check the following box:</font><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'">[X]</font></p>
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            <p style="margin-top:0pt; margin-bottom:0pt; font-size:10pt"><font style="font-family:'Times New Roman'">If this form is filed to register additional securities for an offering pursuant to Rule</font><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'">462(b) under the Securities Act, check the following box and list the Securities Act registration statement number of the earlier effective registration statement for the same offering:</font><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'">[</font><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'">]</font><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'">&#xa0;</font></p>
            <p style="margin-top:0pt; margin-bottom:0pt; font-size:10pt"><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'">&#xa0;</font><a name="EDGAR_PAGE_END1"></a></p>
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            <p style="margin-top:0pt; margin-bottom:0pt; font-size:10pt"><a name="EDGAR_PAGE_START2"></a><font style="font-family:'Times New Roman'">If this form is a post-effective amendment filed pursuant to Rule</font><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'">462(c) under the Securities Act, check the following box and list the Securities Act registration statement number of the earlier effective registration statement for the same offering:</font><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'">[</font><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'">]</font><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'">&#xa0;</font></p>
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            <p style="margin-top:0pt; margin-bottom:0pt; font-size:10pt"><font style="font-family:'Times New Roman'">If this Form is a registration statement pursuant to General Instruction I.D. or a post-effective amendment thereto that shall become effective upon filing with the Commission pursuant to Rule 462(e) under the Securities Act, check the following box.</font><font style="font-family:'Times New Roman'">&#xa0;&#xa0;&#xa0; </font><font style="font-family:'Times New Roman'">[X]</font><font style="font-family:'Wingdings 2'"></font><br /><a name="Check1"></a><font style="font-family:'Times New Roman'">&#xa0;</font></p>
            <p style="margin-top:0pt; margin-bottom:0pt; font-size:10pt"><font style="font-family:'Times New Roman'">If this Form is a post-effective amendment to a registration statement filed pursuant to General Instruction I.D. filed to register additional securities or additional classes of securities or additional classes of securities pursuant to Rule 413(b) under the Securities Act, check the following box. </font><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'">[</font><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'">]</font><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'">&#xa0;</font><br /><font style="font-family:'Times New Roman'">&#xa0;</font></p>
            <p style="margin-top:0pt; margin-bottom:0pt; font-size:10pt"><font style="font-family:'Times New Roman'">Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting company, or an emerging growth company.</font><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'">See the definitions of &#8220;large accelerated filer,&#8221; &#8220;accelerated filer,&#8221; &#8220;smaller reporting company&#8221; and &#8220;emerging growth company&#8221; in Rule 12b-2 of the Exchange Act.</font></p>
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            <p style="margin-top:0pt; margin-bottom:0pt; font-size:10pt"><font style="font-family:'Times New Roman'">Large accelerated filer</font><font style="font-family:'Times New Roman'">&#xa0; </font><font style="font-family:'Times New Roman'">[X]</font><font style="font-family:'Wingdings 2'"></font><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'">&#xa0;</font><font 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Roman'">&#xa0;</font><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'">Accelerated filer </font><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'">[</font><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'">]</font><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'">&#xa0;</font></p>
            <p style="margin-top:0pt; margin-bottom:0pt; font-size:10pt"><font style="font-family:'Times New Roman'">Non-accelerated filer</font><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'">[</font><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'">]</font><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'">(Do not check if a smaller reporting company)</font><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'">Smaller reporting company</font><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'">[</font><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'">]</font><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'">&#xa0;</font></p>
            <p style="margin-top:0pt; margin-bottom:0pt; font-size:10pt"><font style="font-family:'Times New Roman'">&#xa0;&#xa0;&#xa0;&#xa0;&#xa0;&#xa0;&#xa0;&#xa0;&#xa0;&#xa0;&#xa0;&#xa0;&#xa0;&#xa0;&#xa0;&#xa0;&#xa0;&#xa0;&#xa0;&#xa0;&#xa0;&#xa0;&#xa0;&#xa0;&#xa0;&#xa0;&#xa0;&#xa0;&#xa0;&#xa0;&#xa0;&#xa0;&#xa0;&#xa0;&#xa0;&#xa0;&#xa0;&#xa0;&#xa0;&#xa0;&#xa0;&#xa0;&#xa0;&#xa0;&#xa0;&#xa0;&#xa0;&#xa0;&#xa0;&#xa0;&#xa0;&#xa0;&#xa0;&#xa0;&#xa0;&#xa0;&#xa0;&#xa0;&#xa0;&#xa0;&#xa0;&#xa0;&#xa0;&#xa0;&#xa0;&#xa0;&#xa0;&#xa0;&#xa0;&#xa0;&#xa0;&#xa0;&#xa0;&#xa0;&#xa0;&#xa0;&#xa0;&#xa0;&#xa0;&#xa0;&#xa0;&#xa0;&#xa0;&#xa0;&#xa0;&#xa0;&#xa0;&#xa0;&#xa0;&#xa0;&#xa0;&#xa0;&#xa0;&#xa0;&#xa0;&#xa0;&#xa0;&#xa0;&#xa0;&#xa0;&#xa0;&#xa0;&#xa0;&#xa0;&#xa0;&#xa0;&#xa0;&#xa0;&#xa0;&#xa0;&#xa0;&#xa0;&#xa0;&#xa0;&#xa0;&#xa0;&#xa0;&#xa0;&#xa0;&#xa0;&#xa0;&#xa0;&#xa0;&#xa0;&#xa0;&#xa0;&#xa0;&#xa0;&#xa0; </font><font style="font-family:'Times New Roman'">Emerging growth company</font><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'">[</font><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'">]</font><font style="font-family:'Times New Roman'">&#xa0;</font></p>
            <p style="margin-top:0pt; margin-bottom:0pt; font-size:10pt"><font style="font-family:'Times New Roman'">&#xa0;</font></p>
            <p style="margin-top:0pt; margin-bottom:0pt; font-size:10pt"><font style="font-family:'Times New Roman'">If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 7(a)(2)(B) of the Securities Act.</font><font style="font-family:'Times New Roman'">&#xa0; </font><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'">[</font><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'">]</font><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'">&#xa0;&#xa0; </font></p>
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                        <p style="margin-top:0pt; margin-bottom:6pt; text-align:center; font-size:10pt"><br /><font style="font-family:'Times New Roman'; font-weight:bold">CALCULATION OF REGISTRATION FEE</font></p>
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            </table>
            <p style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"><font style="font-family:'Times New Roman'">&#xa0;</font></p>
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                            <p style="margin-top:3pt; margin-bottom:3pt; text-align:center; font-size:10pt"><font style="font-family:'Times New Roman'; font-weight:bold">Title of Each Class of </font></p>
                            <p style="margin-top:3pt; margin-bottom:3pt; text-align:center; font-size:10pt"><font style="font-family:'Times New Roman'; font-weight:bold">Securities to be </font></p>
                            <p style="margin-top:0pt; margin-bottom:6pt; text-align:center; font-size:10pt"><font style="font-family:'Times New Roman'; font-weight:bold">Registered</font></p>
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                        <td style="width:45.55pt; border-style:double solid solid; border-width:1.5pt 0.75pt 0.75pt; padding-right:5.03pt; padding-left:5.03pt; vertical-align:top">
                            <p style="margin-top:0pt; margin-bottom:6pt; text-align:center; font-size:10pt"><font style="font-family:'Times New Roman'; font-weight:bold">Amount to be Registered (1)</font></p>
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                        <td style="width:47.55pt; border-style:double solid solid; border-width:1.5pt 0.75pt 0.75pt; padding-right:5.03pt; padding-left:5.03pt; vertical-align:top">
                            <p style="margin-top:0pt; margin-bottom:6pt; text-align:center; font-size:10pt"><font style="font-family:'Times New Roman'; font-weight:bold">Proposed Maximum Offering Price Per Security (1)</font></p>
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                            <p style="margin-top:0pt; margin-bottom:6pt; text-align:center; font-size:10pt"><font style="font-family:'Times New Roman'; font-weight:bold">Proposed Maximum Aggregate Offering Price (1)</font></p>
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                        <td style="width:52.2pt; border-top-style:double; border-top-width:1.5pt; border-left-style:solid; border-left-width:0.75pt; border-bottom-style:solid; border-bottom-width:0.75pt; padding-right:5.4pt; padding-left:5.03pt; vertical-align:top">
                            <p style="margin-top:0pt; margin-bottom:6pt; text-align:center; font-size:10pt"><font style="font-family:'Times New Roman'; font-weight:bold">Amount of Registration Fee (2)</font></p>
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                            <p style="margin-top:0pt; margin-bottom:6pt; font-size:10pt"><font style="font-family:'Times New Roman'">Debt Securities</font></p>
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                            <p style="margin-top:0pt; margin-bottom:6pt; text-align:center; font-size:10pt"><font style="font-family:'Times New Roman'; font-weight:bold">&#xa0;</font></p>
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                        <td style="width:47.55pt; border-style:solid; border-width:0.75pt; padding-right:5.03pt; padding-left:5.03pt; vertical-align:top">
                            <p style="margin-top:0pt; margin-bottom:6pt; text-align:center; font-size:10pt"><font style="font-family:'Times New Roman'; font-weight:bold">&#xa0;</font></p>
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                        <td style="width:52.6pt; border-style:solid; border-width:0.75pt; padding-right:5.03pt; padding-left:5.03pt; vertical-align:top">
                            <p style="margin-top:0pt; margin-bottom:6pt; text-align:center; font-size:10pt"><font style="font-family:'Times New Roman'; font-weight:bold">&#xa0;</font></p>
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                            <p style="margin-top:0pt; margin-bottom:6pt; text-align:center; font-size:10pt"><font style="font-family:'Times New Roman'; font-weight:bold">&#xa0;</font></p>
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                            <p style="margin-top:0pt; margin-bottom:6pt; font-size:10pt"><font style="font-family:'Times New Roman'">Common Stock, par value $0.25 per share</font></p>
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                            <p style="margin-top:0pt; margin-bottom:6pt; text-align:center; font-size:10pt"><font style="font-family:'Times New Roman'; font-weight:bold">&#xa0;</font></p>
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                            <p style="margin-top:0pt; margin-bottom:6pt; font-size:10pt"><font style="font-family:'Times New Roman'">Preferred Stock, par value $0.___ per share</font></p>
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                            <p style="margin-top:0pt; margin-bottom:6pt; text-align:center; font-size:10pt"><font style="font-family:'Times New Roman'; font-weight:bold">&#xa0;</font></p>
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                            <p style="margin-top:0pt; margin-bottom:6pt; text-align:center; font-size:10pt"><font style="font-family:'Times New Roman'; font-weight:bold">&#xa0;</font></p>
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            <p style="margin-top:0pt; margin-bottom:0pt; text-align:justify; font-size:10pt"><font style="font-family:'Times New Roman'">&#xa0;</font></p>
            <p style="margin-top:0pt; margin-bottom:0pt; text-align:justify; font-size:10pt"><font style="font-family:'Times New Roman'">(1) Omitted pursuant to General Instruction II.E of Form S-3. An indeterminate amount of securities to be offered at indeterminate prices is being registered pursuant to this registration statement.</font><font style="font-family:'Times New Roman'">&#xa0; </font><font style="font-family:'Times New Roman'">Separate consideration may or may not be received for securities that are issuable upon conversion of exchange of other securities.</font><font style="font-family:'Times New Roman'">&#xa0; </font><font style="font-family:'Times New Roman'">Any securities registered hereunder may be sold separately or as units with the other securities registered hereunder.</font><font style="font-family:'Times New Roman'">&#xa0; </font><font style="font-family:'Times New Roman'">In addition, pursuant to Rule 416 under the Securities Act of 1933, as amended, the shares being registered hereunder include such indeterminate number of shares of common stock and preferred stock as may be issuable with respect to the shares being registered hereunder as a result of stock splits, stock dividends or similar transactions.</font></p>
            <p style="margin-top:0pt; margin-bottom:0pt; text-align:justify; font-size:10pt"><font style="font-family:'Times New Roman'">&#xa0;</font></p>
            <p style="margin-top:0pt; margin-bottom:0pt; text-align:justify; font-size:10pt"><font style="font-family:'Times New Roman'">(2) The registrant is deferring payment of the registration fee pursuant to Rule 456(b) and is excluding this information in reliance on Rule 456(b) and Rule 457(r), except for filing fees of $4,161 that have already been paid with respect to unsold securities of the registrant previously registered pursuant to registration statement no. 333-215546 on Form S-3 which became effective on January 13, 2017.</font><font style="font-family:'Times New Roman'">&#xa0; </font><font style="font-family:'Times New Roman'">Pursuant to Rule 415(a)(6), the registrant is carrying forward $136,699,100 in unsold securities and $4,161 in filing fees associated with those unsold securities from registration no. 333-215546 to this registration statement, which filing fees have been paid in advance of any future offerings of securities registered under this registration statement.</font><font style="font-family:'Times New Roman'">&#xa0; </font><font style="font-family:'Times New Roman'">Any additional registration fees will be paid subsequently on a pay-as-you-go basis.</font><font style="font-family:'Times New Roman'">&#xa0; </font><font style="font-family:'Times New Roman'">Pursuant to Rule 415(a)(6), the offering of the unsold securities registered pursuant to registration statement no. 333-215546 will be deemed terminated as of the date of effectiveness of this registration statement.</font></p>
            <p style="margin-top:0pt; margin-bottom:0pt; border-bottom:1.5pt double #000000; padding-bottom:1pt; font-size:10pt"><font style="font-family:'Times New Roman'">&#xa0;</font></p>
            <p style="margin-top:0pt; margin-bottom:0pt; font-size:10pt"><font style="font-family:'Times New Roman'">&#xa0;</font><br style=" clear:both" /><a name="EDGAR_PAGE_END2"></a></p>
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            <p style="margin-top:14pt; margin-bottom:14pt; font-size:12pt"><a name="EDGAR_PAGE_START3"></a><font style="font-family:'Times New Roman'; font-weight:bold">PROSPECTUS</font></p>
            <p style="margin-top:14pt; margin-bottom:14pt; font-size:12pt"><font style="font-family:'Times New Roman'; font-weight:bold">&#xa0;</font></p>
            <p style="margin-top:12pt; margin-bottom:14pt; text-align:center; font-size:24pt"><img src="image5.jpg" width="294" height="35" alt="" style="" ></p>
            <p style="margin-top:0pt; margin-bottom:0pt; text-align:center; font-size:12pt"><font style="font-family:'Times New Roman'; font-weight:bold">Debt Securities</font></p>
            <p style="margin-top:0pt; margin-bottom:0pt; text-align:center; font-size:12pt"><font style="font-family:'Times New Roman'; font-weight:bold">Common Stock</font><br /><font style="font-family:'Times New Roman'; font-weight:bold">Preferred Stock</font><br /><font style="font-family:'Times New Roman'">&#xa0;</font></p>
            <p style="margin-top:0pt; margin-bottom:6pt; text-indent:18pt; text-align:justify; font-size:12pt"><font style="font-family:'Times New Roman'">By this prospectus, we may offer from time to time: debt securities; common stock; or preferred stock.</font></p>
            <p style="margin-top:0pt; margin-bottom:6pt; text-indent:18pt; text-align:justify; font-size:12pt"><font style="font-family:'Times New Roman'">When we offer securities, we will provide you with a prospectus supplement describing the terms of the specific issue of securities, including the price of the securities. You should read this prospectus and any prospectus supplement carefully before you decide to invest. This prospectus may not be used to sell securities unless it is accompanied by a prospectus supplement that further describes the securities being delivered to you.</font></p>
            <p style="margin-top:0pt; margin-bottom:6pt; text-indent:18pt; text-align:justify; font-size:12pt"><font style="font-family:'Times New Roman'">We may offer and sell these securities to or through one or more underwriters, dealers and agents, or directly to purchasers, on a continuous or delayed basis.</font></p>
            <p style="margin-top:0pt; margin-bottom:6pt; text-indent:18pt; text-align:justify; font-size:12pt"><font style="font-family:'Times New Roman'">Our common stock is listed for trading on the NASDAQ Global Select Market under the symbol &#8220;UHAL.&#8221; We have not yet determined whether any of the securities that may be offered by this prospectus will be listed on any exchange, or included in any inter-dealer quotation system or over-the-counter market. If we decide to seek the listing or inclusion of any such securities upon issuance, the prospectus supplement relating to those securities will disclose the exchange, quotation system or market on or in which the securities will be listed or included.</font></p>
            <p style="margin-top:0pt; margin-bottom:6pt; text-indent:18pt; text-align:justify; font-size:12pt"><font style="font-family:'Times New Roman'">Investing in our securities involves risks. We may include specific risk factors in an applicable prospectus supplement under the heading &#8220;Risk Factors.&#8221;</font></p>
            <p style="margin-top:0pt; margin-bottom:6pt; text-indent:18pt; text-align:justify; font-size:12pt"><font style="font-family:'Times New Roman'">In this prospectus, when we use the terms &#8220;AMERCO,&#8221; the &#8220;Company,&#8221; &#8220;the combined company,&#8221; &#8220;we,&#8221; &#8220;us&#8221; or &#8220;our,&#8221; we mean AMERCO and its subsidiaries unless the context required otherwise.</font></p>
            <p style="margin-top:6pt; margin-bottom:12pt; text-align:center; font-size:12pt"><font style="font-family:'Times New Roman'">____________________</font></p>
            <p style="margin-top:6pt; margin-bottom:0pt; text-indent:36pt; text-align:justify; font-size:12pt"><font style="font-family:'Times New Roman'; font-weight:bold">Investing in our securities involves certain risks.</font><font style="font-family:'Times New Roman'; font-weight:bold">&#xa0; </font><font style="font-family:'Times New Roman'; font-weight:bold">See &#8220;Risk Factors&#8221; beginning on Page</font><font style="font-family:'Times New Roman'; font-weight:bold">&#xa0;</font><font style="font-family:'Times New Roman'; font-weight:bold">5 of this prospectus and in the applicable prospectus supplement for certain risks you should consider.</font><font style="font-family:'Times New Roman'; font-weight:bold">&#xa0; </font><font style="font-family:'Times New Roman'; font-weight:bold">You should carefully read the entire prospectus before you invest in our securities.</font></p>
            <p style="margin-top:6pt; margin-bottom:12pt; text-align:center; font-size:12pt"><font style="font-family:'Times New Roman'">____________________</font></p>
            <p style="margin-top:0pt; margin-bottom:6pt; text-indent:36pt; text-align:justify; font-size:12pt"><font style="font-family:'Times New Roman'; font-weight:bold">Neither the Securities and Exchange Commission nor any state securities commission has approved or disapproved of these securities or passed upon the accuracy or adequacy of this prospectus.</font><font style="font-family:'Times New Roman'; font-weight:bold">&#xa0;</font><font style="font-family:'Times New Roman'; font-weight:bold">&#xa0;</font><font style="font-family:'Times New Roman'; font-weight:bold">Any representation to the contrary is a criminal offense.</font></p>
            <p style="margin-top:0pt; margin-bottom:6pt; text-align:center; font-size:12pt"><font style="font-family:'Times New Roman'">____________________</font></p>
            <p style="margin-top:12pt; margin-bottom:0pt; text-align:center; font-size:12pt"><font style="font-family:'Times New Roman'; font-weight:bold">January 10, 2020</font></p>
            <p style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"><font style="font-family:'Times New Roman'; font-weight:bold">&#xa0;</font></p>
            <p style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"><a name="EDGAR_PAGE_END3"></a></p>
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            <p style="margin-top:0pt; margin-bottom:0pt; text-align:center; font-size:12pt"><a name="EDGAR_PAGE_START4"></a><font style="font-family:'Times New Roman'; font-weight:bold">TABLE OF CONTENTS</font></p>
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                    <td style="width:88.32%; padding-right:2.35pt; padding-left:2.35pt; vertical-align:bottom">
                        <p style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"><font style="font-family:'Times New Roman'; text-decoration:underline">About This Prospectus</font></p>
                    </td>
                    <td style="width:11.68%; padding-right:2.35pt; padding-left:2.35pt; vertical-align:bottom">
                        <p style="margin-top:0pt; margin-bottom:0pt; text-align:right; font-size:12pt"><font style="font-family:'Times New Roman'">1</font></p>
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                    <td style="width:88.32%; padding-right:2.35pt; padding-left:2.35pt; vertical-align:bottom">
                        <p style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"><font style="font-family:'Times New Roman'; text-decoration:underline">About AMERCO</font></p>
                    </td>
                    <td style="width:11.68%; padding-right:2.35pt; padding-left:2.35pt; vertical-align:bottom">
                        <p style="margin-top:0pt; margin-bottom:0pt; text-align:right; font-size:12pt"><font style="font-family:'Times New Roman'">4</font></p>
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                        <p style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"><font style="font-family:'Times New Roman'; text-decoration:underline">Risk Factors</font></p>
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                    <td style="width:11.68%; padding-right:2.35pt; padding-left:2.35pt; vertical-align:bottom">
                        <p style="margin-top:0pt; margin-bottom:0pt; text-align:right; font-size:12pt"><font style="font-family:'Times New Roman'">5</font></p>
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                    <td style="width:88.32%; padding-right:2.35pt; padding-left:2.35pt; vertical-align:bottom">
                        <p style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"><font style="font-family:'Times New Roman'; text-decoration:underline">Note Regarding Forward-Looking Statements</font></p>
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                    <td style="width:11.68%; padding-right:2.35pt; padding-left:2.35pt; vertical-align:bottom">
                        <p style="margin-top:0pt; margin-bottom:0pt; text-align:right; font-size:12pt"><font style="font-family:'Times New Roman'">6</font></p>
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                        <p style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"><font style="font-family:'Times New Roman'; text-decoration:underline">Description of Securities</font></p>
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                    <td style="width:11.68%; padding-right:2.35pt; padding-left:2.35pt; vertical-align:bottom">
                        <p style="margin-top:0pt; margin-bottom:0pt; text-align:right; font-size:12pt"><font style="font-family:'Times New Roman'">7</font></p>
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                        <p style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"><font style="font-family:'Times New Roman'; text-decoration:underline">Use of Proceeds</font></p>
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                    <td style="width:11.68%; padding-right:2.35pt; padding-left:2.35pt; vertical-align:bottom">
                        <p style="margin-top:0pt; margin-bottom:0pt; text-align:right; font-size:12pt"><font style="font-family:'Times New Roman'">7</font></p>
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                        <p style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"><font style="font-family:'Times New Roman'; text-decoration:underline">Plan of Distribution</font></p>
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                    <td style="width:11.68%; padding-right:2.35pt; padding-left:2.35pt; vertical-align:bottom">
                        <p style="margin-top:0pt; margin-bottom:0pt; text-align:right; font-size:12pt"><font style="font-family:'Times New Roman'">7</font></p>
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                    <td style="width:88.32%; padding-right:2.35pt; padding-left:2.35pt; vertical-align:bottom">
                        <p style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"><font style="font-family:'Times New Roman'; text-decoration:underline">Legal Matters</font></p>
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                    <td style="width:11.68%; padding-right:2.35pt; padding-left:2.35pt; vertical-align:bottom">
                        <p style="margin-top:0pt; margin-bottom:0pt; text-align:right; font-size:12pt"><font style="font-family:'Times New Roman'">9</font></p>
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                        <p style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"><font style="font-family:'Times New Roman'; text-decoration:underline">Experts</font></p>
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                        <p style="margin-top:0pt; margin-bottom:0pt; text-align:right; font-size:12pt"><font style="font-family:'Times New Roman'">9</font></p>
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                        <p style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"><font style="font-family:'Times New Roman'; text-decoration:underline">Incorporation of Certain Information by Reference</font></p>
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                    <td style="width:11.68%; padding-right:2.35pt; padding-left:2.35pt; vertical-align:bottom">
                        <p style="margin-top:0pt; margin-bottom:0pt; text-align:right; font-size:12pt"><font style="font-family:'Times New Roman'">9</font></p>
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                        <p style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"><font style="font-family:'Times New Roman'; text-decoration:underline">Where You Can Find More Information</font></p>
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                    <td style="width:11.68%; padding-right:2.35pt; padding-left:2.35pt; vertical-align:bottom">
                        <p style="margin-top:0pt; margin-bottom:0pt; text-align:right; font-size:12pt"><font style="font-family:'Times New Roman'">10</font></p>
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            <p style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"><font style="font-family:'Times New Roman'">&#xa0;</font></p>
            <p style="margin-top:0pt; margin-bottom:0pt; text-indent:36pt; text-align:justify; font-size:12pt"><font style="font-family:'Times New Roman'">If you are in a jurisdiction where offers to sell, or solicitations of offers to purchase, the securities offered by this document are unlawful, or if you are a person to whom it is unlawful to direct these types of activities, then the offer presented in this prospectus does not extend to you.</font></p>
            <p style="margin-top:0pt; margin-bottom:0pt; text-align:justify; font-size:12pt"><font style="font-family:'Times New Roman'">&#xa0;</font></p>
            <p style="margin-top:0pt; margin-bottom:0pt; text-indent:36pt; text-align:justify; font-size:12pt"><font style="font-family:'Times New Roman'">We have not authorized anyone to give any information or make any representation about us that is different from, or in addition to, that contained in this prospectus, including in any of the materials that we have incorporated by reference into this prospectus, any accompanying prospectus supplement and any free writing prospectus prepared or authorized by us.</font><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'">Therefore, if anyone does give you information of this sort, you should not rely on it as authorized by us.</font><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'">Neither the delivery of this prospectus, nor any sale made hereunder, shall under any circumstances create any implication that there has been no change in our affairs since the date hereof or that the information incorporated by reference herein is correct as of any time subsequent to the date of such information.</font></p>
            <p style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"><font style="font-family:'Times New Roman'">&#xa0;</font></p>
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            <p style="margin-top:0pt; margin-bottom:0pt; text-align:center; font-size:12pt"><a name="EDGAR_PAGE_START5"></a><font style="font-family:'Times New Roman'; font-weight:bold">ABOUT THIS PROSPECTUS</font></p>
            <p style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"><font style="font-family:'Times New Roman'">&#xa0;</font></p>
            <p style="margin-top:0pt; margin-bottom:0pt; text-indent:36pt; text-align:justify; font-size:12pt"><font style="font-family:'Times New Roman'">This prospectus is part of a registration statement on Form S-3 that AMERCO has filed with the Securities and Exchange Commission, or the SEC, utilizing the &#8220;shelf&#8221; registration process for the offering and sale of securities pursuant to Rule 415 under the Securities Act of 1933, as amended, or the Securities Act.</font><font style="font-family:'Times New Roman'">&#xa0; </font><font style="font-family:'Times New Roman'">Under the shelf registration process, we may, over time, sell any combination of securities described in this prospectus.</font></p>
            <p style="margin-top:0pt; margin-bottom:0pt; text-align:justify; font-size:12pt"><font style="font-family:'Times New Roman'">&#xa0;</font></p>
            <p style="margin-top:0pt; margin-bottom:0pt; text-indent:36pt; text-align:justify; font-size:12pt"><font style="font-family:'Times New Roman'">This prospectus provides you with a general description of the securities that AMERCO may offer hereunder.</font><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'">Each time AMERCO sells a type or series of securities, we will provide a prospectus supplement that will contain specific information about the offering and the terms of the particular securities offered.</font><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'">The prospectus supplement may also add, update or change information contained in this prospectus.</font><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'">You should read both this prospectus and any prospectus supplement together with the additional information described under the headings &#8220;Where You Can Find More Information.&#8221;</font></p>
            <p style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"><font style="font-family:'Times New Roman'">&#xa0;</font></p>
            <p style="margin-top:0pt; margin-bottom:0pt; text-indent:36pt; font-size:12pt"><font style="font-family:'Times New Roman'">In each prospectus supplement, we will include the following information:</font></p>
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                <li style="margin-left:64.52pt; text-align:justify; padding-left:7.48pt; font-family:serif; font-size:12pt"><font style="font-family:'Times New Roman'">designation or classification;</font></li>
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                <li style="margin-left:64.52pt; text-align:justify; padding-left:7.48pt; font-family:serif; font-size:12pt"><font style="font-family:'Times New Roman'">the aggregate principal amount or aggregate offering price of securities that we propose to sell;</font></li>
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                <li style="margin-left:64.52pt; text-align:justify; padding-left:7.48pt; font-family:serif; font-size:12pt"><font style="font-family:'Times New Roman'">with respect to debt securities, the maturity;</font></li>
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                <li style="margin-left:64.52pt; text-align:justify; padding-left:7.48pt; font-family:serif; font-size:12pt"><font style="font-family:'Times New Roman'">original issue discount, if any;</font></li>
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            <p style="margin-top:0pt; margin-left:72pt; margin-bottom:0pt; text-align:justify; font-size:12pt"><font style="font-family:'Times New Roman'">&#xa0;</font></p>
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                <li style="margin-left:64.52pt; text-align:justify; padding-left:7.48pt; font-family:serif; font-size:12pt"><font style="font-family:'Times New Roman'">the rates and times of payment of interest, dividends or other payments, if any;</font></li>
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                <li style="margin-left:64.52pt; text-align:justify; padding-left:7.48pt; font-family:serif; font-size:12pt"><font style="font-family:'Times New Roman'">redemption, conversion, exchange, settlement or sinking fund terms, if any;</font></li>
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                <li style="margin-left:64.52pt; text-align:justify; padding-left:7.48pt; font-family:serif; font-size:12pt"><font style="font-family:'Times New Roman'">ranking;</font></li>
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                <li style="margin-left:64.52pt; text-align:justify; padding-left:7.48pt; font-family:serif; font-size:12pt"><font style="font-family:'Times New Roman'">restrictive covenants, if any;</font></li>
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                <li style="margin-left:64.52pt; text-align:justify; padding-left:7.48pt; font-family:serif; font-size:12pt"><font style="font-family:'Times New Roman'">the names of any underwriters, agents or dealers to or through which the securities will be sold;</font></li>
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                <li style="margin-left:64.52pt; text-align:justify; padding-left:7.48pt; font-family:serif; font-size:12pt"><font style="font-family:'Times New Roman'">any compensation of those underwriters, agents or dealers;</font></li>
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            <p style="margin-top:0pt; margin-left:72pt; margin-bottom:0pt; text-align:justify; font-size:12pt"><font style="font-family:'Times New Roman'">&#xa0;</font></p>
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                <li style="margin-left:64.52pt; text-align:justify; padding-left:7.48pt; font-family:serif; font-size:12pt"><font style="font-family:'Times New Roman'">information about any securities exchanges or automated quotation systems on which the securities will be listed or traded or the fact that such securities will not be listed or traded on any exchange;</font></li>
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                <li style="margin-left:64.52pt; text-align:justify; padding-left:7.48pt; font-family:serif; font-size:12pt"><font style="font-family:'Times New Roman'">any risk factors applicable to the securities that we propose to sell;</font></li>
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                    <p style="margin-top:0pt; margin-bottom:0pt; text-align:center; font-size:12pt"><a name="EDGAR_HF_F_START_1"></a><font style="font-family:'Times New Roman'">1</font><a name="EDGAR_HF_F_END_2"></a></p>
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                <li style="margin-left:64.52pt; text-align:justify; padding-left:7.48pt; font-family:serif; font-size:12pt"><a name="EDGAR_PAGE_START6"></a><font style="font-family:'Times New Roman'">important federal income tax considerations; and</font></li>
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            <p style="margin-top:0pt; margin-left:72pt; margin-bottom:0pt; text-align:justify; font-size:12pt"><font style="font-family:'Times New Roman'">&#xa0;</font></p>
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                <li style="margin-left:64.52pt; text-align:justify; padding-left:7.48pt; font-family:serif; font-size:12pt"><font style="font-family:'Times New Roman'">any other material information about the offering and sale of the securities.</font></li>
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            <p style="margin-top:12pt; margin-bottom:12pt; text-indent:36pt; text-align:justify; font-size:12pt"><font style="font-family:'Times New Roman'">A prospectus supplement may include a discussion of risks or other special considerations applicable to us or the offered securities. A prospectus supplement may also add, update or change information in this prospectus. If there is any inconsistency between the information in this prospectus and the applicable prospectus supplement, you must rely on the information in the prospectus supplement. Please carefully read both this prospectus and the applicable prospectus supplement together with additional information described under the heading &#8220;Where You Can Find More Information.&#8221; This prospectus may not be used to offer or sell any securities unless accompanied by a prospectus supplement.</font></p>
            <p style="margin-top:0pt; margin-bottom:12pt; text-indent:36pt; text-align:justify; font-size:12pt"><font style="font-family:'Times New Roman'">The registration statement containing this prospectus, including exhibits to the registration statement, provides additional information about us and the securities offered under this prospectus. The registration statement can be read at the SEC website or at the SEC&#8217;s public reading room mentioned under the heading &#8220;Where You Can Find More Information.&#8221;</font></p>
            <p style="margin-top:0pt; margin-bottom:12pt; text-indent:36pt; text-align:justify; font-size:12pt"><font style="font-family:'Times New Roman'">We have not authorized any broker-dealer, salesperson or other person to give any information or to make any representation other than those contained or incorporated by reference in this prospectus and any accompanying supplement to this prospectus. You must not rely upon any information or representation not contained or incorporated by reference in this prospectus or the accompanying prospectus supplement. This prospectus and the accompanying supplement to this prospectus do not constitute an offer to sell or the solicitation of an offer to buy securities, nor do this prospectus and the accompanying supplement to this prospectus constitute an offer to sell or the solicitation of an offer to buy securities in any jurisdiction to any person to whom it is unlawful to make such offer or solicitation. The information contained in this prospectus and the accompanying prospectus supplement speaks only as of the date set forth on the cover page and may not reflect subsequent changes in our business, financial condition, results of operations and prospects even though this prospectus and any accompanying prospectus supplement is delivered or securities are sold on a later date.</font></p>
            <p style="margin-top:0pt; margin-bottom:12pt; text-indent:36pt; text-align:justify; font-size:12pt"><font style="font-family:'Times New Roman'">We may sell the securities directly to or through underwriters, dealers or agents. We, and our underwriters or agents, reserve the right to accept or reject all or part of any proposed purchase of securities. If we do offer securities through underwriters or agents, we will include in the applicable prospectus supplement:</font></p>
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                <li style="margin-left:64.52pt; text-align:justify; padding-left:7.48pt; font-family:serif; font-size:12pt"><font style="font-family:'Times New Roman'">the names of those underwriters or agents;</font></li>
            </ul>
            <p style="margin-top:0pt; margin-left:72pt; margin-bottom:0pt; text-align:justify; font-size:12pt"><font style="font-family:'Times New Roman'">&#xa0;</font></p>
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                <li style="margin-left:64.52pt; text-align:justify; padding-left:7.48pt; font-family:serif; font-size:12pt"><font style="font-family:'Times New Roman'">applicable fees, discounts and commissions to be paid to them;</font></li>
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                <li style="margin-left:64.52pt; text-align:justify; padding-left:7.48pt; font-family:serif; font-size:12pt"><font style="font-family:'Times New Roman'">the net proceeds to us.</font></li>
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            <p style="margin-top:0pt; margin-bottom:6pt; text-indent:18pt; text-align:justify; page-break-inside:avoid; widows:0; orphans:0; font-size:12pt"><a name="EDGAR_PAGE_START7"></a><font style="font-family:'Times New Roman'; font-weight:bold; font-style:italic">Common Stock.</font><font style="font-family:'Times New Roman'; font-style:italic"> </font><font style="font-family:'Times New Roman'">We may issue shares of our common stock from time to time. Holders of our common stock are entitled to one vote per share for the election of directors and on all other matters that require stockholder approval. Subject to any preferential rights of any outstanding preferred stock, in the event of our liquidation, dissolution or winding up, holders of our common stock are entitled to share ratably in the assets remaining after payment of liabilities </font><font style="font-family:'Times New Roman'">and the liquidation preferences of any outstanding preferred stock. Our common stock does not carry any redemption rights or any preemptive rights enabling a holder to subscribe for, or receive shares of, any class of our common stock or any other securities convertible into shares of any class of our common </font><font style="font-family:'Times New Roman'">stock. Any such issuance of common stock may cause the dilution of our existing outstanding equity securities.</font></p>
            <p style="margin-top:0pt; margin-bottom:6pt; text-indent:18pt; text-align:justify; font-size:12pt"><font style="font-family:'Times New Roman'; font-weight:bold; font-style:italic">Preferred Stock. </font><font style="font-family:'Times New Roman'">We may issue shares of our preferred stock from time to time, in one or more series. Under our certificate of incorporation, our board of directors has the authority, without further action by stockholders, to designate up to 50,000,000 shares of preferred stock in one or more series and to fix the rights, preferences, privileges, qualifications and restrictions granted to or imposed upon the preferred stock, including dividend rights, conversion rights, voting rights, rights and terms of redemption, liquidation preference and sinking fund terms, any or all of which may be greater than the rights of the common stock.</font></p>
            <p style="margin-top:0pt; margin-bottom:6pt; text-indent:18pt; text-align:justify; font-size:12pt"><font style="font-family:'Times New Roman'">If we issue preferred stock, we will fix the rights, preferences, privileges, qualifications and restrictions of the preferred stock of each series that we sell under this prospectus and applicable prospectus supplements in the certificate of designations relating to that series. If we issue preferred stock, we will incorporate by reference into the registration statement of which this prospectus is a part the form of any certificate of designations that describes the terms of the series of preferred stock we are offering before the issuance of the related series of preferred stock. We urge you to read the prospectus supplement related to any series of preferred stock we may offer, as well as the complete certificate of designations that contains the terms of the applicable series of preferred stock. Any issuance of our preferred stock may cause the dilution of our existing outstanding equity securities.</font></p>
            <p style="margin-top:0pt; margin-bottom:6pt; text-indent:18pt; text-align:justify; font-size:12pt"><font style="font-family:'Times New Roman'; font-weight:bold; font-style:italic">Debt Securities</font><font style="font-family:'Times New Roman'; font-weight:bold">. </font><font style="font-family:'Times New Roman'">We may issue debt securities from time to time, in one or more series, as either senior or subordinated debt. The senior debt securities will rank equally with any other unsubordinated debt that we may have and may be secured or unsecured. The subordinated debt securities will be subordinate and junior in right of payment, to the extent and in the manner described in the instrument governing the debt, to all or some portion of our indebtedness.</font><font style="font-family:'Times New Roman'">&#xa0; </font><font style="font-family:'Times New Roman'">Additionally, we may issue common and/or preferred stock from time to time.</font><font style="font-family:'Times New Roman'">&#xa0; </font><font style="font-family:'Times New Roman'">Any such issuance of equity securities may cause the dilution of our existing outstanding equity securities.</font><font style="font-family:'Times New Roman'">&#xa0; </font><a name="EDGAR_PAGE_END7"></a></p>
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                    <p style="margin-top:0pt; margin-bottom:0pt; text-align:center; font-size:12pt"><a name="EDGAR_HF_F_START_1"></a><font style="font-family:'Times New Roman'">3</font><a name="EDGAR_HF_F_END_2"></a></p>
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            <p style="margin-top:0pt; margin-bottom:6pt; text-indent:18pt; text-align:justify; page-break-inside:avoid; widows:0; orphans:0; font-size:12pt"><a name="EDGAR_PAGE_START8"></a><font style="font-family:'Times New Roman'">If we issue debt securities, they will be issued under one or more documents called indentures, which are contracts between us and a trustee for the holders of the debt securities. If we issue preferred stock, it will be issued pursuant to a certificate of designation of the rights and preferences of such securities, to the extent and in the manner described in such document.</font><font style="font-family:'Times New Roman'">&#xa0; </font><font style="font-family:'Times New Roman'">We urge you to read the prospectus supplement related to the series of debt securities or equity securities being offered, as the case may be, as well as the complete indenture that contains the terms of the debt securities (which will include a supplemental indenture) and the complete preferred stock certificate of designation, if any.</font><font style="font-family:'Times New Roman'">&#xa0; </font><font style="font-family:'Times New Roman'">If we issue debt securities, indentures and forms of debt securities containing the terms of debt securities being offered will be incorporated by reference into the registration statement of which this prospectus is a part from reports we have filed or would subsequently file with the SEC. Similarly, if we issue preferred stock, the certificate of designation containing the terms of such preferred stock being offered will be incorporated by reference into the registration statement of which this prospectus is a part from reports we would subsequently file with the SEC.</font><font style="font-family:'Times New Roman'">&#xa0; </font></p>
            <p style="margin-top:0pt; margin-bottom:6pt; text-indent:18pt; text-align:justify; font-size:12pt"><font style="font-family:'Times New Roman'">In this prospectus, when we use the terms &#8220;AMERCO,&#8221; the &#8220;Company,&#8221; &#8220;the combined company,&#8221; &#8220;we,&#8221; &#8220;us&#8221; or &#8220;our,&#8221; we mean AMERCO and its subsidiaries unless the context requires otherwise.</font></p>
            <p style="margin-top:0pt; margin-bottom:0pt; text-align:center; font-size:12pt"><font style="font-family:'Times New Roman'; font-weight:bold">ABOUT AMERCO</font></p>
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            <p style="margin-top:0pt; margin-bottom:6pt; text-indent:18pt; text-align:justify; font-size:12pt"><a name="_Hlk27459381"><font style="font-family:'Times New Roman'">We believe we are North America&#8217;s largest &#8220;do-it-yourself&#8221; moving and storage operator through our subsidiary U-Haul International, Inc. (&#8220;U-Haul&#8221;). U-Haul is synonymous with &#8220;do-it-yourself&#8221; moving and storage and is a leader in supplying products and services to help people move and store their household and commercial goods. Our primary service objective is to provide a better and better product or service to more and more people at a lower and lower cost.</font></a></p>
            <p style="margin-top:0pt; margin-bottom:6pt; text-indent:18pt; text-align:justify; font-size:12pt"><font style="font-family:'Times New Roman'">We were founded in 1945 as a sole proprietorship under the name &#8220;U-Haul Trailer Rental Company&#8221; and have rented trailers ever since. Starting in 1959, we rented trucks on a one-way and in-town basis exclusively through independent U-Haul dealers. In 1974, we began developing our network of U-Haul managed retail stores, through which we rent our trucks and trailers, self-storage rooms and portable moving and storage units and sell moving and self-storage products and services to complement our independent dealer network.</font></p>
            <p style="margin-top:0pt; margin-bottom:6pt; text-indent:14.4pt; text-align:justify; font-size:12pt"><font style="font-family:'Times New Roman'">We rent our distinctive orange and white U-Haul</font><font style="font-family:'Times New Roman'; font-size:8pt; vertical-align:super">&#174;</font><font style="font-family:'Times New Roman'"> trucks and trailers as well as offer self-storage rooms through a network of approximately 2,000 Company operated retail moving stores and over 20,000 independent U-Haul dealers.</font><font style="font-family:'Times New Roman'">&#xa0; </font><font style="font-family:'Times New Roman'">We also sell U-Haul</font><font style="font-family:'Times New Roman'; font-size:8pt; vertical-align:super">&#174;</font><font style="font-family:'Times New Roman'"> brand boxes, tape and other moving and self-storage products and services to &#8220;do-it-yourself&#8221; moving and storage customers at all of our distribution outlets and through our uhaul.com website.</font><font style="font-family:'Times New Roman'">&#xa0; </font><font style="font-family:'Times New Roman'">Another extension of our strategy to make &#8220;do-it-yourself&#8221; moving and storage easier is our U-Box</font><font style="font-family:'Times New Roman'; font-size:8pt; vertical-align:super">&#174;</font><font style="font-family:'Times New Roman'"> program.</font><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'"> A U-Box</font><font style="font-family:'Times New Roman'; font-size:8pt; vertical-align:super">&#174;</font><font style="font-family:'Times New Roman'"> portable moving and storage unit is delivered to a location of our customer&#8217;s choosing either by the customers themselves through the use of a U-Box</font><font style="font-family:'Times New Roman'; font-size:8pt; vertical-align:super">&#174;</font><font style="font-family:'Times New Roman'"> trailer, by Moving Helpers or by Company personnel. Once the U-Box</font><font style="font-family:'Times New Roman'; font-size:8pt; vertical-align:super">&#174;</font><font style="font-family:'Times New Roman'"> portable moving and storage unit is filled, it can be stored at the customer&#8217;s location, or taken to any of our Company operated locations, a participating independent dealer, or moved to a location of the customer&#8217;s choice.</font><a name="EDGAR_PAGE_END8"></a></p>
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                    <p style="margin-top:0pt; margin-bottom:0pt; text-align:center; font-size:12pt"><a name="EDGAR_HF_F_START_1"></a><font style="font-family:'Times New Roman'">4</font><a name="EDGAR_HF_F_END_2"></a></p>
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            <p style="margin-top:0pt; margin-bottom:6pt; text-indent:18pt; text-align:justify; page-break-inside:avoid; widows:0; orphans:0; font-size:12pt"><a name="EDGAR_PAGE_START9"></a><font style="font-family:'Times New Roman'">We believe U-Haul is the most convenient supplier of products and services addressing the needs of North America&#8217;s &#8220;do-it-yourself&#8221; moving and storage market. Our broad geographic coverage throughout the United States and Canada and our extensive selection of U-Haul</font><font style="font-family:Calibri; font-size:7.33pt; vertical-align:super">&#174;</font><font style="font-family:'Times New Roman'"> brand moving equipment rentals, self-storage units, portable moving and storage units and related moving and storage products and services provide our customers with convenient &#8220;one-stop&#8221; shopping.</font></p>
            <p style="margin-top:0pt; margin-bottom:0pt; text-indent:36pt; text-align:justify; font-size:12pt"><font style="font-family:'Times New Roman'">Through Repwest Insurance Company (&#8220;Repwest&#8221;) and ARCOA Risk Retention Group (&#8220;ARCOA&#8221;), our property and casualty insurance subsidiaries, we manage the property, liability and related insurance claims processing for U-Haul. Oxford Life Insurance Company (&#8220;Oxford&#8221;), our life insurance subsidiary, sells Medicare supplement insurance, life insurance, annuities and other related products to the senior market.</font></p>
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            <p style="margin-top:0pt; margin-bottom:0pt; text-indent:36pt; text-align:justify; font-size:12pt"><font style="font-family:'Times New Roman'">We are a publicly traded Nevada corporation.</font><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'">Our common stock is listed on the NASDAQ Global Select Market under the symbol &#8220;UHAL.&#8221;</font><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'">Our principal executive offices are located at 5555 Kietzke Lane, Suite 100, Reno, Nevada 89511. Our telephone number is (775) 688-6300, and our website address is amerco.com.</font><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'">Information contained in or linked to our website is not a part of this prospectus.</font></p>
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            <p style="margin-top:0pt; margin-bottom:6pt; text-indent:18pt; text-align:justify; font-size:12pt"><font style="font-family:'Times New Roman'">You can get more information regarding our business by reading our most recent Annual Report on Form 10-K and the other reports and information that we file with the SEC.</font><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'">See &#8220;Where You Can Find More Information.&#8221;</font></p>
            <p style="margin-top:0pt; margin-bottom:0pt; text-align:center; font-size:12pt"><font style="font-family:'Times New Roman'; font-weight:bold">RISK FACTORS </font></p>
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            <p style="margin-top:0pt; margin-bottom:12pt; text-indent:18pt; text-align:justify; font-size:12pt"><font style="font-family:'Times New Roman'">Before making an investment decision, you should carefully consider the risks described under &#8220;Risk Factors&#8221; in the applicable prospectus supplement, together with all of the other information appearing in this prospectus or incorporated by reference into this prospectus and any applicable prospectus supplement, in light of your particular investment objectives and financial circumstances. Our business, financial condition or results of operations could be materially adversely affected by any of these risks. This prospectus and the incorporated documents also contain forward-looking statements that involve risks and uncertainties. Our actual results could differ materially from those anticipated in these forward-looking statements as a result of certain factors, including the risks mentioned elsewhere in this prospectus.</font><a name="EDGAR_PAGE_END9"></a></p>
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                    <p style="margin-top:0pt; margin-bottom:0pt; text-align:center; font-size:12pt"><a name="EDGAR_HF_F_START_1"></a><font style="font-family:'Times New Roman'">5</font><a name="EDGAR_HF_F_END_2"></a></p>
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            <p style="margin-top:0pt; margin-bottom:0pt; text-align:center; page-break-inside:avoid; page-break-after:avoid; widows:0; orphans:0; font-size:12pt"><a name="EDGAR_PAGE_START10"></a><font style="font-family:'Times New Roman'; font-weight:bold">NOTE REGARDING FORWARD-LOOKING STATEMENTS</font></p>
            <p style="margin-top:0pt; margin-bottom:0pt; text-align:center; page-break-inside:avoid; page-break-after:avoid; widows:0; orphans:0; font-size:12pt"><font style="font-family:'Times New Roman'; font-weight:bold">&#xa0;</font></p>
            <p style="margin-top:0pt; margin-bottom:6pt; text-indent:18pt; text-align:justify; page-break-inside:avoid; page-break-after:avoid; widows:0; orphans:0; font-size:12pt"><font style="font-family:'Times New Roman'">This prospectus and the documents incorporated by reference herein contain &#8220;forward-looking statements&#8221; regarding future events and our future results of operations. We may make additional written or oral forward-looking statements from time to time in filings with the SEC or otherwise. We believe such forward-looking statements are within the meaning of the safe-harbor provisions of Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended (the &#8220;Exchange Act&#8221;). Such statements may include, but are not limited to, estimates of capital expenditures, plans for future operations, products or services, financing needs, plans and strategies, our perceptions of our legal positions and anticipated outcomes of government investigations and pending litigation against us, liquidity and the availability of financial resources to meet our needs, goals and strategies, plans for new business, storage occupancy, growth rate assumptions, pricing, costs, and access to capital and leasing markets, the impact of our compliance with environmental laws and cleanup costs, our used vehicle disposition strategy, the sources and availability of funds for our rental equipment and self-storage expansion and replacement strategies and plans, our plan to expand our U-Haul</font><font style="font-family:Calibri; font-size:7.33pt; vertical-align:super">&#174;</font><font style="font-family:'Times New Roman'"> storage affiliate program, that additional leverage can be supported by our operations and business, the availability of alternative vehicle manufacturers, our estimates of the residual values of our equipment fleet, our plans with respect to off-balance sheet arrangements, our plans to continue to invest in the U-Box</font><font style="font-family:'Times New Roman'; font-size:8pt; vertical-align:super">&#174;</font><font style="font-family:'Times New Roman'"> program, the impact of interest rate and foreign currency exchange rate changes on our operations, the sufficiency of our capital resources and the sufficiency of capital of our insurance subsidiaries as well as assumptions relating to the foregoing. The words &#8220;believe,&#8221; &#8220;expect,&#8221; &#8220;anticipate,&#8221; &#8220;plan,&#8221; &#8220;may,&#8221; &#8220;will,&#8221; &#8220;could,&#8221; &#8220;estimate,&#8221; &#8220;project&#8221; and similar expressions identify forward-looking statements, which speak only as of the date the statement was made.</font></p>
            <p style="margin-top:0pt; margin-bottom:6pt; text-indent:18pt; text-align:justify; page-break-inside:avoid; widows:0; orphans:0; font-size:12pt"><font style="font-family:'Times New Roman'">Forward-looking statements are inherently subject to risks and uncertainties, some of which cannot be predicted or quantified. Factors that could significantly affect results include, without limitation, the degree and nature of our competition; our leverage; general economic conditions; fluctuations in our costs to maintain and update our fleet and facilities; the limited number of manufacturers that supply our rental trucks; our ability to effectively hedge our variable interest rate debt; that we are controlled by a small contingent of stockholders; fluctuations in quarterly results and seasonality; changes in, and our compliance with, government regulations, particularly environmental regulations and regulations relating to motor carrier operations; outcomes of litigation; our reliance on our third party dealer network; liability claims relating to our rental vehicles and equipment; our ability to attract, motivate and retain key employees; reliance on our automated systems and the internet; our credit ratings; our ability to recover under reinsurance arrangements and other factors described in our Annual Report on Form 10-K in Item 1A, Risk Factors, our Quarterly Reports on Form 10-Q or the other documents we file with the SEC. The above factors, the following disclosures, as well as other statements in this prospectus and in the notes to our consolidated financial statements, could contribute to or cause such risks or uncertainties, or could cause our stock price to fluctuate dramatically. Consequently, the forward-looking statements should not be regarded as representations or warranties by the Company that such matters will be realized. The Company assumes no obligation to update or revise any of the forward-looking statements, whether in response to new information, unforeseen events, changed circumstances or otherwise, except as required by law. </font><a name="EDGAR_PAGE_END10"></a></p>
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                    <p style="margin-top:0pt; margin-bottom:0pt; text-align:center; font-size:12pt"><a name="EDGAR_HF_F_START_1"></a><font style="font-family:'Times New Roman'">6</font><a name="EDGAR_HF_F_END_2"></a></p>
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            <p style="margin-top:0pt; margin-bottom:6pt; text-indent:18pt; text-align:justify; page-break-inside:avoid; widows:0; orphans:0; font-size:12pt"><a name="_Hlk27459417"></a><a name="EDGAR_PAGE_START11"></a><font style="font-family:'Times New Roman'">You should carefully consider the trends, risks and uncertainties described in the &#8220;Risk Factors&#8221; section of this prospectus and other information in this prospectus and reports filed with the SEC before making any investment decision with respect to the notes. If any of the trends, risks or uncertainties set forth in the &#8220;Risk Factors&#8221; section of this prospectus actually occurs or continues, our business, financial condition or operating results could be materially adversely affected. All forward-looking statements attributable to us or persons acting on our behalf are expressly qualified in their entirety by this cautionary statement.</font></p>
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            <p style="margin-top:0pt; margin-bottom:6pt; text-indent:18pt; text-align:justify; font-size:12pt"><font style="font-family:'Times New Roman'">We may offer shares of our common stock and preferred stock and various series of debt securities from time to time under this prospectus at prices and on terms to be determined by market conditions at the time of offering.</font><font style="font-family:'Times New Roman'">&#xa0; </font><font style="font-family:'Times New Roman'">Each time we offer a type or series of securities, we will provide a prospectus supplement that will describe the specific amounts, prices and other important terms of such securities.</font><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'">The debt securities will be unsecured or secured by certain assets owned by us or certain of our subsidiaries or third parties.</font></p>
            <p style="margin-top:0pt; margin-bottom:6pt; text-indent:18pt; text-align:justify; font-size:12pt"><font style="font-family:'Times New Roman'">A prospectus supplement will describe the specific types, amounts, prices and detailed terms of any of these securities.</font></p>
            <p style="margin-top:0pt; margin-bottom:0pt; text-align:center; page-break-after:avoid; widows:0; orphans:0; font-size:12pt"><font style="font-family:'Times New Roman'; font-weight:bold">USE OF PROCEEDS</font></p>
            <p style="margin-top:0pt; margin-bottom:0pt; page-break-after:avoid; widows:0; orphans:0; font-size:12pt"><font style="font-family:'Times New Roman'">&#xa0;</font></p>
            <p style="margin-top:0pt; margin-bottom:6pt; text-indent:18pt; text-align:justify; page-break-after:avoid; widows:0; orphans:0; font-size:12pt"><font style="font-family:'Times New Roman'">We will retain broad discretion over the use of the net proceeds from the sale of our securities offered hereby.</font><font style="font-family:'Times New Roman'">&#xa0; </font><font style="font-family:'Times New Roman'">Except as described in any prospectus supplement, we currently anticipate using the net proceeds from the sale of our securities offered hereby primarily for general corporate purposes.</font></p>
            <p style="margin-top:0pt; margin-bottom:6pt; text-indent:18pt; text-align:justify; font-size:12pt"><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'">Pending the use of the net proceeds, we may invest the net proceeds in short-term marketable securities.</font></p>
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            <p style="margin-top:0pt; margin-bottom:0pt; page-break-inside:avoid; page-break-after:avoid; widows:0; orphans:0; font-size:12pt"><font style="font-family:'Times New Roman'">&#xa0;</font></p>
            <p style="margin-top:0pt; margin-bottom:6pt; text-indent:18pt; text-align:justify; page-break-inside:avoid; page-break-after:avoid; widows:0; orphans:0; font-size:12pt"><font style="font-family:'Times New Roman'">We may sell the securities covered by this prospectus from time to time in one or more offerings.</font><font style="font-family:'Times New Roman'">&#xa0; </font><font style="font-family:'Times New Roman'">Registration of the securities covered by this prospectus does not mean, however, that those securities will necessarily be offered or sold.</font></p>
            <p style="margin-top:0pt; margin-bottom:6pt; text-indent:18pt; text-align:justify; font-size:12pt"><font style="font-family:'Times New Roman'">We may sell the securities separately or together:</font></p>
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                <li style="margin-left:64.52pt; text-align:justify; padding-left:7.48pt; font-family:serif; font-size:12pt"><font style="font-family:'Times New Roman'">through one or more underwriters or dealers in a public offering and sale by them;</font></li>
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                <li style="margin-left:64.52pt; text-align:justify; padding-left:7.48pt; font-family:serif; font-size:12pt"><font style="font-family:'Times New Roman'">through agents; or</font></li>
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                <li style="margin-left:64.52pt; text-align:justify; padding-left:7.48pt; font-family:serif; font-size:12pt"><font style="font-family:'Times New Roman'">directly to investors.</font></li>
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            <p style="margin-top:0pt; margin-bottom:6pt; text-indent:18pt; text-align:justify; font-size:12pt"><font style="font-family:'Times New Roman'">We will set forth the terms of the offering of any securities being offered in the applicable prospectus supplement.</font></p>
            <p style="margin-top:0pt; margin-bottom:6pt; text-indent:18pt; text-align:justify; font-size:12pt"><font style="font-family:'Times New Roman'">If we utilize underwriters in an offering of securities using this prospectus, we will execute an underwriting agreement with those underwriters.</font><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'">The underwriting agreement will provide that the obligations of the underwriters with respect to a sale of the offered securities are subject to</font><a name="EDGAR_PAGE_END11"></a></p>
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            <p style="margin-top:0pt; margin-bottom:6pt; ; text-align:justify; font-size:12pt"><font style="font-family:'Times New Roman'"> </font><a name="EDGAR_PAGE_START12"></a><font style="font-family:'Times New Roman'">certain conditions precedent and that the underwriters will be obligated to purchase all the offered securities if any are purchased.</font><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'">Underwriters may sell those securities to or through dealers.</font><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'">The underwriters may change any initial public offering price and any discounts or concessions allowed or re-allowed or paid to dealers from time to time.</font><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'">If we utilize underwriters in an offering of securities using this prospectus, the applicable prospectus supplement will contain a statement regarding the intention, if any, of the underwriters to make a market in the offered securities.</font></p>
            <p style="margin-top:0pt; margin-bottom:6pt; text-indent:18pt; text-align:justify; font-size:12pt"><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'">If we utilize a dealer in an offering of securities using this prospectus, we will sell the offered securities to the dealer, as principal.</font><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'">The dealer may then resell those securities to the public at a fixed price or at varying prices to be determined by the dealer at the time of resale.</font></p>
            <p style="margin-top:0pt; margin-bottom:6pt; text-indent:18pt; text-align:justify; font-size:12pt"><font style="font-family:'Times New Roman'">We may also use this prospectus to offer and sell securities through agents designated by us from time to time.</font><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'">Unless otherwise indicated in the prospectus supplement, any agent will be acting on a reasonable efforts basis for the period of its appointment.</font></p>
            <p style="margin-top:0pt; margin-bottom:6pt; text-indent:18pt; text-align:justify; font-size:12pt"><font style="font-family:'Times New Roman'">We may offer to sell securities either at a fixed price or at prices that may be changed, at market prices prevailing at the time of sale, at prices related to prevailing market prices or at negotiated prices.</font><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'">We may also use this prospectus to directly solicit offers to purchase securities.</font><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'">Except as set forth in the applicable prospectus supplement, none of our directors, officers, or employees nor those of our subsidiaries will solicit or receive a commission in connection with those direct sales.</font><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'">Those persons may respond to inquiries by potential purchasers and perform ministerial and clerical work in connection with direct sales.</font></p>
            <p style="margin-top:0pt; margin-bottom:6pt; text-indent:18pt; text-align:justify; page-break-inside:avoid; widows:0; orphans:0; font-size:12pt"><font style="font-family:'Times New Roman'">We may authorize underwriters, dealers and agents to solicit offers by certain institutions to purchase securities pursuant to delayed delivery contracts providing for payment and delivery on a future date specified in the prospectus supplement.</font><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'">Institutions with which delayed delivery contracts may be made include commercial and savings banks, insurance companies, educational and charitable institutions and other institutions that we may approve.</font><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'">The obligations of any purchaser under any delayed delivery contract will not be subject to any conditions except that any related sale of offered securities to underwriters shall have occurred and the purchase by an institution of the securities covered by its delayed delivery contract shall not at the time of delivery be prohibited under the laws of any jurisdiction in the United States to which that institution is subject.</font></p>
            <p style="margin-top:0pt; margin-bottom:6pt; text-indent:18pt; text-align:justify; font-size:12pt"><font style="font-family:'Times New Roman'">Underwriters, dealers or agents participating in a distribution of securities by use of this prospectus and an applicable prospectus supplement may be deemed to be underwriters, and any discounts and commissions received by them and any profit realized by them on resale of the offered securities, whether received from us or from purchasers of offered securities for whom they act as agent, may be deemed to be underwriting discounts and commissions under the Securities Act.</font></p>
            <p style="margin-top:0pt; margin-bottom:6pt; text-indent:18pt; text-align:justify; font-size:12pt"><font style="font-family:'Times New Roman'">Under agreements that we may enter into, underwriters, dealers or agents who participate in the distribution of securities by use of this prospectus and an applicable prospectus supplement may be entitled to indemnification by us against certain liabilities, including liabilities under the Securities Act, or to contribution with respect to payments that those underwriters, dealers or agents may be required to make.</font></p>
            <p style="margin-top:0pt; margin-bottom:0pt; text-indent:18pt; text-align:justify; font-size:12pt"><font style="font-family:'Times New Roman'">Underwriters, dealers, agents or their affiliates may be customers of, engage in transactions with, or perform services for, us and our subsidiaries in the ordinary course of business, for which they have received or will receive customary compensation.</font><a name="EDGAR_PAGE_END12"></a></p>
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            <p style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"><a name="EDGAR_PAGE_START13"></a><font style="font-family:'Times New Roman'">&#xa0;</font></p>
            <p style="margin-top:0pt; margin-bottom:0pt; text-align:center; page-break-after:avoid; widows:0; orphans:0; font-size:12pt"><font style="font-family:'Times New Roman'; font-weight:bold">LEGAL MATTERS</font></p>
            <p style="margin-top:0pt; margin-bottom:0pt; page-break-after:avoid; widows:0; orphans:0; font-size:12pt"><font style="font-family:'Times New Roman'">&#xa0;</font></p>
            <p style="margin-top:0pt; margin-bottom:0pt; text-indent:36pt; text-align:justify; page-break-after:avoid; widows:0; orphans:0; font-size:12pt"><font style="font-family:'Times New Roman'">Certain legal matters will be passed upon for us by DLA Piper LLP (US).</font><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'">If counsel for any underwriter, dealer or agent passes on legal matters in connection with an offering made by this prospectus, we will name that counsel in the prospectus supplement relating to the offering.</font></p>
            <p style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"><font style="font-family:'Times New Roman'">&#xa0;</font></p>
            <p style="margin-top:0pt; margin-bottom:0pt; text-align:center; page-break-inside:avoid; page-break-after:avoid; font-size:12pt"><font style="font-family:'Times New Roman'; font-weight:bold">EXPERTS</font></p>
            <p style="margin-top:0pt; margin-bottom:0pt; page-break-inside:avoid; page-break-after:avoid; font-size:12pt"><font style="font-family:'Times New Roman'">&#xa0;</font></p>
            <p style="margin-top:0pt; margin-bottom:0pt; text-indent:36pt; text-align:justify; page-break-inside:avoid; page-break-after:avoid; font-size:12pt"><font style="font-family:'Times New Roman'">The consolidated financial statements and schedules as of March 31, 2019 and 2018 and for each of the three years in the period ended March 31, 2019 and management&#8217;s assessment of the effectiveness of</font><font style="font-family:'Times New Roman'">&#xa0; </font><font style="font-family:'Times New Roman'">internal control over financial reporting as of March 31, 2019 incorporated by reference in this Form S-3 have been so incorporated in reliance on the reports of BDO USA, LLP, an independent registered public accounting firm, incorporated herein by reference, given on the authority of said firm as experts in accounting and auditing.</font></p>
            <p style="margin-top:0pt; margin-bottom:0pt; text-indent:36pt; font-size:12pt"><font style="font-family:'Times New Roman'">&#xa0;</font></p>
            <p style="margin-top:0pt; margin-bottom:0pt; text-align:center; page-break-inside:avoid; page-break-after:avoid; widows:0; orphans:0; font-size:12pt"><font style="font-family:'Times New Roman'; font-weight:bold">INCORPORATION OF CERTAIN INFORMATION BY REFERENCE</font></p>
            <p style="margin-top:0pt; margin-bottom:0pt; page-break-inside:avoid; page-break-after:avoid; widows:0; orphans:0; font-size:12pt"><font style="font-family:'Times New Roman'">&#xa0;</font></p>
            <p style="margin-top:0pt; margin-bottom:0pt; text-indent:36pt; text-align:justify; page-break-inside:avoid; page-break-after:avoid; widows:0; orphans:0; font-size:12pt"><font style="font-family:'Times New Roman'">We file reports and other information with the SEC under the Exchange Act.</font><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'">You may read and copy, at prescribed rates, any document we file at the SEC&#8217;s Public Reference Room at 100</font><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'">F</font><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'">Street, N.E., Washington, D.C. 20549.</font><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'">Please call the SEC at (800)-SEC-0330 for further information on the operation of the Public Reference Room.</font><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'">Our SEC filings also are available on the SEC&#8217;s website at sec.gov.</font><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'">&#xa0;</font></p>
            <p style="margin-top:0pt; margin-bottom:0pt; text-align:justify; font-size:12pt"><font style="font-family:'Times New Roman'">&#xa0;</font></p>
            <p style="margin-top:0pt; margin-bottom:0pt; text-indent:36pt; text-align:justify; font-size:12pt"><font style="font-family:'Times New Roman'">We have filed with the SEC a registration statement on Form S-3 to register the securities offered hereby.</font><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'">This prospectus is a part of that registration statement.</font><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'">As allowed by SEC rules, this prospectus does not contain all of the information that is in the registration statement and the exhibits to the registration statement.</font><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'">For further information about AMERCO, investors should refer to the registration statement and its exhibits.</font><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'">The registration statement is available at the SEC&#8217;s public reference room or website as described above.</font></p>
            <p style="margin-top:0pt; margin-bottom:0pt; text-align:justify; font-size:12pt"><font style="font-family:'Times New Roman'">&#xa0;</font></p>
            <p style="margin-top:0pt; margin-bottom:6pt; text-indent:36pt; text-align:justify; font-size:12pt"><font style="font-family:'Times New Roman'">We &#8220;incorporate by reference&#8221; information into this prospectus, which means that we are disclosing important information to you by referring you to other documents filed separately with the SEC.</font><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'">These documents contain important information about AMERCO and are an important part of this prospectus.</font><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'">We incorporate by reference in this prospectus the documents listed below:</font></p>
            <ul type="disc" style="margin:0pt; padding-left:0pt">
                <li style="margin-left:46.52pt; margin-bottom:6pt; text-align:justify; padding-left:7.48pt; font-family:serif; font-size:12pt"><a name="_Hlk27459522"><font style="font-family:'Times New Roman'">our Annual Report on Form 10-K for the fiscal year ended March 31, 2019;</font></a></li>
                <li style="margin-left:46.52pt; margin-bottom:6pt; text-align:justify; padding-left:7.48pt; font-family:serif; font-size:12pt"><font style="font-family:'Times New Roman'">our Quarterly Reports on Form 10-Q for the fiscal quarters ended June 30, 2019, September 30, 2019 and December 31, 2018;</font></li>
                <li style="margin-left:46.52pt; margin-bottom:6pt; text-align:justify; padding-left:7.48pt; font-family:serif; font-size:12pt"><font style="font-family:'Times New Roman'">those portions of our definitive proxy statement on Schedule 14A dated July 10, 2019, incorporated by reference in our Annual Report on Form 10-K for the year ended March 31, 2019;</font></li>
                <li style="margin-left:46.52pt; margin-bottom:6pt; text-align:justify; padding-left:7.48pt; font-family:serif; font-size:12pt"><font style="font-family:'Times New Roman'">our current reports on Form 8-K filed on March 7, 2019, March 29, 2019, May 3, 2019, August 7, 2019, August 23, 2019, November 12, 2019 December 9, 2019 and December 10, 2019;</font><a name="EDGAR_PAGE_END13"></a></li>
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                <li style="margin-left:46.52pt; margin-bottom:6pt; text-align:justify; padding-left:7.48pt; font-family:serif; font-size:12pt"><a name="EDGAR_PAGE_START14"></a><font style="font-family:'Times New Roman'">the description of AMERCO&#8217;s common stock set forth in our registration statements filed pursuant to Section 12 of the Exchange Act, and any amendment or report filed for the purpose of updating those descriptions; and</font></li>
                <li style="margin-left:46.52pt; margin-bottom:6pt; text-align:justify; padding-left:7.48pt; font-family:serif; font-size:12pt"><font style="font-family:'Times New Roman'">all documents filed by us under Sections 13(a), 13(c), 14 or 15(d) of the Exchange Act between the date of this prospectus and the termination of any offering made under this prospectus and the prospectus supplement or supplements that will accompany any offering of securities hereunder.</font></li>
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            <p style="margin-top:0pt; margin-bottom:6pt; text-indent:18pt; text-align:justify; font-size:12pt"><font style="font-family:'Times New Roman'">Unless expressly incorporated by reference, nothing in this prospectus shall be deemed to incorporate by reference information furnished, but not filed, with the SEC.</font></p>
            <p style="margin-top:0pt; margin-bottom:6pt; text-indent:18pt; text-align:justify; page-break-inside:avoid; widows:0; orphans:0; font-size:12pt"><font style="font-family:'Times New Roman'">Any statement contained in a document incorporated or deemed to be incorporated by reference into this prospectus will be deemed to be modified or superseded for purposes of this prospectus to the extent that a statement contained in this prospectus or in the applicable prospectus supplement or in any other subsequently filed document that also is or is deemed to be incorporated by reference into this prospectus, modifies or supersedes that statement.</font><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'">Any statement that is so modified or superseded will not constitute a part of this prospectus, except as modified or superseded.</font></p>
            <p style="margin-top:0pt; margin-bottom:6pt; text-indent:18pt; text-align:justify; font-size:12pt"><font style="font-family:'Times New Roman'">You may obtain any of the documents incorporated by reference in this prospectus from the SEC through the SEC&#8217;s website at the address provided on the previous page.</font><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'">You also may request a copy of any document incorporated by reference in this prospectus (excluding any exhibits to those documents, unless the exhibit is specifically incorporated by reference in this document), at no cost.</font><font style="font-family:'Times New Roman'">&#xa0; </font><font style="font-family:'Times New Roman'">Requests should be directed to Laurence De Respino, General Counsel, AMERCO, c/o U-Haul International, Inc., 2727 N. Central Avenue, Phoenix, AZ</font><font style="font-family:'Times New Roman'">&#xa0; </font><font style="font-family:'Times New Roman'">85004, telephone, (602) 263-6977.</font></p>
            <p style="margin-top:0pt; margin-bottom:0pt; text-indent:18pt; text-align:justify; font-size:12pt"><a name="_Hlk27459649"><font style="font-family:'Times New Roman'">We own numerous trademarks and service marks that contribute to the identity and recognition of our Company and its products and services. Certain of these marks are integral to the conduct of our business, a loss of any of which could have a material adverse-affect on our business. We consider the trademark &#8220;U-Haul</font><font style="font-family:'Times New Roman'; font-size:8pt; vertical-align:super">&#174;</font><font style="font-family:'Times New Roman'">&#8221; to be of material importance to our business in addition, but not limited to, the U.S. trademarks and service marks &#8220;AMERCO</font><font style="font-family:'Times New Roman'; font-size:8pt; vertical-align:super">&#174;</font><font style="font-family:'Times New Roman'">&#8221;, &#8220;eMove</font><font style="font-family:'Times New Roman'; font-size:8pt; vertical-align:super">&#174;</font><font style="font-family:'Times New Roman'">&#8221;, &#8220;Gentle Ride Suspension</font><font style="font-family:'Times New Roman'; font-size:8pt; vertical-align:super">SM</font><font style="font-family:'Times New Roman'">&#8221;, &#8220;In-Town</font><font style="font-family:'Times New Roman'; font-size:8pt; vertical-align:super">&#174;</font><font style="font-family:'Times New Roman'">&#8221;, &#8220;Lowest Decks</font><font style="font-family:'Times New Roman'; font-size:8pt; vertical-align:super">SM</font><font style="font-family:'Times New Roman'">&#8221;, &#8220;Moving made Easier</font><font style="font-family:'Times New Roman'; font-size:8pt; vertical-align:super">&#174;</font><font style="font-family:'Times New Roman'">&#8221;, &#8220;Make Moving Easier</font><font style="font-family:'Times New Roman'; font-size:8pt; vertical-align:super">&#174;</font><font style="font-family:'Times New Roman'">&#8221;, &#8220;Mom&#8217;s Attic</font><font style="font-family:'Times New Roman'; font-size:8pt; vertical-align:super">&#174;</font><font style="font-family:'Times New Roman'">&#8221;, &#8220;Moving Help</font><font style="font-family:'Times New Roman'; font-size:8pt; vertical-align:super">&#174;</font><font style="font-family:'Times New Roman'">&#8221;, &#8220;Moving Helper</font><font style="font-family:'Times New Roman'; font-size:8pt; vertical-align:super">&#174;</font><font style="font-family:'Times New Roman'">&#8221;, &#8220;Safemove</font><font style="font-family:'Times New Roman'; font-size:8pt; vertical-align:super">&#174;</font><font style="font-family:'Times New Roman'">&#8221;, &#8220;Safemove Plus</font><font style="font-family:'Times New Roman'; font-size:8pt; vertical-align:super">&#174;</font><font style="font-family:'Times New Roman'">&#8221;, &#8220;Safestor</font><font style="font-family:'Times New Roman'; font-size:8pt; vertical-align:super">&#174;</font><font style="font-family:'Times New Roman'">&#8221;, &#8220;Safestor Mobile</font><font style="font-family:'Times New Roman'; font-size:8pt; vertical-align:super">&#174;</font><font style="font-family:'Times New Roman'">&#8221;, &#8220;Safetow</font><font style="font-family:'Times New Roman'; font-size:8pt; vertical-align:super">&#174;</font><font style="font-family:'Times New Roman'">&#8221;, &#8220;U-Box</font><font style="font-family:'Times New Roman'; font-size:8pt; vertical-align:super">&#174;</font><font style="font-family:'Times New Roman'">&#8221;, &#8220;uhaul.com</font><font style="font-family:'Times New Roman'; font-size:8pt; vertical-align:super">&#174;</font><font style="font-family:'Times New Roman'">&#8221;, &#8220;U-Haul Investors Club</font><font style="font-family:'Times New Roman'; font-size:8pt; vertical-align:super">&#174;</font><font style="font-family:'Times New Roman'">&#8221;, &#8220;U-Haul Truck Share</font><font style="font-family:'Times New Roman'; font-size:8pt; vertical-align:super">&#174;</font><font style="font-family:'Times New Roman'">&#8221;, &#8220;U-Haul Truck Share 24/7</font><font style="font-family:'Times New Roman'; font-size:8pt; vertical-align:super">&#174;</font><font style="font-family:'Times New Roman'">&#8221; &#8220;U-Note</font><font style="font-family:'Times New Roman'; font-size:8pt; vertical-align:super">&#174;</font><font style="font-family:'Times New Roman'">&#8221;, &#8220;WebSelfStorage</font><font style="font-family:'Times New Roman'; font-size:8pt; vertical-align:super">&#174;</font><font style="font-family:'Times New Roman'">&#8221;, and &#8220;U-Haul Smart Mobility Center</font><font style="font-family:'Times New Roman'; font-size:8pt; vertical-align:super">&#174;</font><font style="font-family:'Times New Roman'">&#8221;, among others, for use in connection with the moving and storage business. </font></a><font style="font-family:'Times New Roman'">&#xa0; </font></p>
            <p style="margin-top:0pt; margin-bottom:6pt; text-indent:18pt; text-align:justify; font-size:12pt"><font style="font-family:'Times New Roman'">&#xa0;</font></p>
            <p style="margin-top:0pt; margin-bottom:0pt; text-align:center; page-break-after:avoid; font-size:12pt"><font style="font-family:'Times New Roman'; font-weight:bold">WHERE YOU CAN FIND MORE INFORMATION</font></p>
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            <p style="margin-top:0pt; margin-bottom:6pt; text-indent:18pt; text-align:justify; font-size:12pt"><font style="font-family:'Times New Roman'">We are subject to the informational requirements of the Exchange Act and in accordance therewith file reports, proxy statements and other information with the SEC.</font><font style="font-family:'Times New Roman'">&#xa0; </font><font style="font-family:'Times New Roman'">Our filings are available to the public over the Internet at the SEC&#8217;s website at sec.gov, as well as at our website at amerco.com.</font><font style="font-family:'Times New Roman'">&#xa0; </font><font style="font-family:'Times New Roman'">You may also read and copy, at prescribed rates, any document we file at the SEC&#8217;s Public Reference Room at 100 F Street, N.E., Washington, D.C. 20549.</font><font style="font-family:'Times New Roman'">&#xa0; </font><font style="font-family:'Times New Roman'">Please call the SEC at (800)-SEC-0330 for further information on the operation of the SEC&#8217;s Public Reference Room.</font></p>
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                    <p style="margin-top:0pt; margin-bottom:0pt; text-align:center; font-size:12pt"><a name="EDGAR_HF_F_START_1"></a><font style="font-family:'Times New Roman'">10</font><a name="EDGAR_HF_F_END_2"></a></p>
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            <p style="margin-top:0pt; margin-bottom:0pt; text-align:center; font-size:12pt"><a name="EDGAR_PAGE_START15"></a><font style="font-family:'Times New Roman'; font-weight:bold">PART II</font></p>
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            <p style="margin-top:0pt; margin-bottom:0pt; text-align:center; font-size:12pt"><font style="font-family:'Times New Roman'; font-weight:bold">INFORMATION NOT REQUIRED IN PROSPECTUS</font></p>
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            <p style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"><font style="font-family:'Times New Roman'; font-weight:bold">Item 14. Other Expenses of Issuance and Distribution.</font></p>
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            <p style="margin-top:0pt; margin-bottom:10pt; text-indent:18pt; text-align:justify; line-height:115%; font-size:12pt"><font style="font-family:'Times New Roman'">The following table sets forth the estimated expenses in connection with the issuance and distribution of the securities registered hereby, which will be borne by the registrant.</font><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'"> </font></p>
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                        <p style="margin-top:0pt; margin-bottom:10pt; line-height:115%; font-size:12pt"><font style="font-family:'Times New Roman'">Securities and Exchange Commission registration fee</font></p>
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                    <td style="width:0.64%; vertical-align:bottom; background-color:#bdd6ee">
                        <p style="margin-top:0pt; margin-bottom:10pt; line-height:115%; font-size:12pt"><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'"> </font></p>
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                    <td style="width:1.28%; vertical-align:bottom; background-color:#bdd6ee">
                        <p style="margin-top:0pt; margin-bottom:10pt; text-align:center; line-height:115%; font-size:12pt"><font style="font-family:'Times New Roman'">$</font></p>
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                        <p style="margin-top:0pt; margin-bottom:10pt; line-height:115%; font-size:12pt"><font style="font-family:'Times New Roman'">&#xa0;</font></p>
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                    <td style="width:3%; vertical-align:bottom; background-color:#bdd6ee">
                        <p style="margin-top:0pt; margin-bottom:10pt; line-height:115%; font-size:12pt"><font style="font-family:'Times New Roman'">(1)</font></p>
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                        <p style="margin-top:0pt; margin-bottom:10pt; line-height:115%; font-size:12pt"><font style="font-family:'Times New Roman'">Legal fees and expenses</font></p>
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                        <p style="margin-top:0pt; margin-bottom:10pt; line-height:115%; font-size:12pt"><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'"> </font></p>
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                        <p style="margin-top:0pt; margin-bottom:10pt; line-height:115%; font-size:12pt"><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'"> </font></p>
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                        <p style="margin-top:0pt; margin-bottom:10pt; text-align:right; line-height:115%; font-size:12pt"><font style="font-family:'Times New Roman'">&#xa0;</font></p>
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                        <p style="margin-top:0pt; margin-bottom:10pt; line-height:115%; font-size:12pt"><font style="font-family:'Times New Roman'">(2)</font></p>
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                        <p style="margin-top:0pt; margin-bottom:10pt; line-height:115%; font-size:12pt"><font style="font-family:'Times New Roman'">Accounting fees and expenses</font></p>
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                        <p style="margin-top:0pt; margin-bottom:10pt; line-height:115%; font-size:12pt"><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'"> </font></p>
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                    <td style="width:1.28%; vertical-align:bottom; background-color:#bdd6ee">
                        <p style="margin-top:0pt; margin-bottom:10pt; line-height:115%; font-size:12pt"><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'"> </font></p>
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                    <td style="width:10.26%; vertical-align:bottom; background-color:#bdd6ee">
                        <p style="margin-top:0pt; margin-bottom:10pt; text-align:right; line-height:115%; font-size:12pt"><font style="font-family:'Times New Roman'">&#xa0;</font></p>
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                        <p style="margin-top:0pt; margin-bottom:10pt; line-height:115%; font-size:12pt"><font style="font-family:'Times New Roman'">(2)</font></p>
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                        <p style="margin-top:0pt; margin-bottom:10pt; line-height:115%; font-size:12pt"><font style="font-family:'Times New Roman'">Miscellaneous</font></p>
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                        <p style="margin-top:0pt; margin-bottom:10pt; line-height:115%; font-size:12pt"><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'"> </font></p>
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                        <p style="margin-top:0pt; margin-bottom:10pt; line-height:115%; font-size:12pt"><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'"> </font></p>
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                    <td style="width:10.26%; border-bottom-style:solid; border-bottom-width:1.5pt; vertical-align:bottom">
                        <p style="margin-top:0pt; margin-bottom:10pt; text-align:right; line-height:115%; font-size:12pt"><font style="font-family:'Times New Roman'">&#xa0;</font></p>
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                    <td style="width:3%; padding-bottom:1.5pt; vertical-align:bottom">
                        <p style="margin-top:0pt; margin-bottom:10pt; line-height:115%; font-size:12pt"><font style="font-family:'Times New Roman'">(2)</font></p>
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                    <td style="width:84.82%; padding-bottom:3pt; vertical-align:bottom; background-color:#bdd6ee">
                        <p style="margin-top:0pt; margin-bottom:10pt; line-height:115%; font-size:12pt"><font style="font-family:'Times New Roman'">Total</font></p>
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                        <p style="margin-top:0pt; margin-bottom:10pt; line-height:115%; font-size:12pt"><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'"> </font></p>
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                        <p style="margin-top:0pt; margin-bottom:10pt; text-align:center; line-height:115%; font-size:12pt"><font style="font-family:'Times New Roman'">$</font></p>
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                        <p style="margin-top:0pt; margin-bottom:10pt; text-align:right; line-height:115%; font-size:12pt"><font style="font-family:'Times New Roman'">&#xa0;</font></p>
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                        <p style="margin-top:0pt; margin-bottom:10pt; line-height:115%; font-size:12pt"><font style="font-family:'Times New Roman'">(2)</font></p>
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            <p style="margin-top:0pt; margin-bottom:10pt; line-height:115%; font-size:12pt"><font style="font-family:'Times New Roman'">________________________</font></p>
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                        <p style="margin-top:0pt; margin-bottom:10pt; line-height:115%; font-size:12pt"><font style="font-family:'Times New Roman'">(1)</font></p>
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                        <p style="margin-top:0pt; margin-bottom:10pt; line-height:115%; font-size:12pt"><font style="font-family:'Times New Roman'">Deferred in accordance with Rule 456(b) and 457(r) of the Securities Act.</font></p>
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                        <p style="margin-top:0pt; margin-bottom:10pt; line-height:115%; font-size:12pt"><font style="font-family:'Times New Roman'">(2)</font></p>
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                        <p style="margin-top:0pt; margin-bottom:10pt; line-height:115%; font-size:12pt"><font style="font-family:'Times New Roman'">These fees and expenses depend on the securities offered and the number of issuances and accordingly are not presently known and cannot be estimated at this time.</font></p>
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            <p style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"><font style="font-family:'Times New Roman'; font-weight:bold">Item 15. Indemnification of Directors and Officers.</font></p>
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            <p style="margin-top:0pt; margin-bottom:0pt; text-indent:18pt; text-align:justify; font-size:12pt"><font style="font-family:'Times New Roman'">The Nevada General Corporation Law requires AMERCO to indemnify officers and directors for any expenses incurred by any officer or director in connection with any actions or proceedings, whether civil, criminal, administrative, or investigative, brought against such officer or director because of his or her status as an officer or director, to the extent that the director or officer has been successful on the merits or otherwise in defense of the action or proceeding. The Nevada General Corporation Law permits a corporation to indemnify an officer or director, even in the absence of an agreement to do so, for expenses incurred in connection with any action or proceeding if such officer or director acted in good faith and in a manner in which he or she reasonably believed to be in or not opposed to the best interests of the corporation and such indemnification is authorized by the stockholders, by a quorum of disinterested directors, by independent legal counsel in a written opinion authorized by a majority vote of a quorum of directors consisting of disinterested directors, or by independent legal counsel in a written opinion if a quorum of disinterested directors cannot be obtained. The Amended and Restated Articles of Incorporation of AMERCO eliminate personal liability of directors and officers, to AMERCO or its stockholders, for damages for breach of their fiduciary duties as directors or officers, except for liability (i) for acts or omissions that involve intentional misconduct, fraud, or a knowing violation of law, or (ii) for the unlawful payment of dividends. In addition, the Amended and Restated Articles of Incorporation of AMERCO provide that AMERCO shall indemnify, to the fullest extent authorized or permitted by law, any person made, or threatened to be made, a defendant in</font><a name="EDGAR_PAGE_END15"></a></p>
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                        <p style="margin-top:0pt; margin-bottom:0pt; text-align:center; font-size:12pt"><a name="EDGAR_HF_F_START_3"></a><font style="font-family:'Times New Roman'">II-</font><font style="font-family:'Times New Roman'">1</font><a name="EDGAR_HF_F_END_4"></a></p>
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            <p style="margin-top:0pt; margin-bottom:0pt; ; text-align:justify; font-size:12pt"><font style="font-family:'Times New Roman'"> </font><a name="EDGAR_PAGE_START16"></a><font style="font-family:'Times New Roman'">any action, suit, or proceeding by reason of the fact that he or she was a director or officer of AMERCO so long as such person is not liable pursuant to Section 78.138 of the Nevada General Corporation Law or acted in good faith and in a manner in which he or she reasonably believed to be in or not opposed to the best interests of AMERCO, and, with respect to criminal actions or proceedings, had no reasonable cause to believe the conduct was unlawful. AMERCO has also executed indemnification agreements that provide that certain of AMERCO&#8217;s directors and officers shall be indemnified and held harmless by AMERCO to the fullest extent permitted by applicable law or the Restated Articles of Incorporation or Bylaws of AMERCO. The Nevada General Corporation Law prohibits indemnification of a director or officer if a final adjudication establishes that the officer&#8217;s or director&#8217;s acts or omissions involved intentional misconduct, fraud, or a knowing violation of the law and were material to the cause of action. Despite the foregoing limitations on indemnification, the Nevada General Corporation Law may permit an officer or director to apply to the court for approval of indemnification even if the officer or director is adjudged to have committed intentional misconduct, fraud, or a knowing violation of the law. The Nevada General Corporation Law also provides that indemnification of directors is not permitted for the unlawful payment of distributions, except for those directors registering their dissent to the payment of the distribution.</font></p>
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            <p style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"><font style="font-family:'Times New Roman'; font-weight:bold">Item 16. Exhibits. </font></p>
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            <p style="margin-top:0pt; margin-bottom:0pt; text-align:justify; font-size:12pt"><font style="font-family:'Times New Roman'">The information set forth in the Exhibit Index immediately following the signature pages to this Registration Statement in Form S-3 is incorporated by reference into this Item 16. Certain exhibits are incorporated by reference from documents previously filed by the Company with the SEC as required by Item 601 of Regulation S-K.</font></p>
            <p style="margin-top:12pt; margin-bottom:0pt; font-size:12pt"><font style="font-family:'Times New Roman'; font-weight:bold">Item 17. Undertakings.</font></p>
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            <p style="margin-top:0pt; margin-bottom:0pt; text-indent:18pt; text-align:justify; font-size:12pt"><font style="font-family:'Times New Roman'">The undersigned registrant hereby undertakes:</font></p>
            <p style="margin-top:0pt; margin-bottom:0pt; text-align:justify; font-size:12pt"><font style="font-family:'Times New Roman'">&#xa0;</font></p>
            <p style="margin-top:0pt; margin-bottom:0pt; text-indent:36pt; text-align:justify; font-size:12pt"><font style="font-family:'Times New Roman'">(1) to file, during any period in which offers or sales are being made, a post-effective amendment to this registration statement:</font></p>
            <p style="margin-top:0pt; margin-bottom:0pt; text-indent:36pt; text-align:justify; font-size:12pt"><font style="font-family:'Times New Roman'">&#xa0;</font></p>
            <p style="margin-top:0pt; margin-bottom:0pt; text-indent:36pt; text-align:justify; font-size:12pt"><font style="font-family:'Times New Roman'">(i) to include any prospectus required by section 10(a)(3) of the Securities Act of 1933;</font></p>
            <p style="margin-top:0pt; margin-bottom:0pt; text-indent:36pt; text-align:justify; font-size:12pt"><font style="font-family:'Times New Roman'">&#xa0;</font></p>
            <p style="margin-top:0pt; margin-bottom:0pt; text-indent:36pt; text-align:justify; font-size:12pt"><font style="font-family:'Times New Roman'">(ii) to reflect in the prospectus any facts or events arising after the effective date of the registration statement (or the most recent post-effective amendment thereof) which, individually or in the aggregate, represent a fundamental change in the information set forth in the registration statement. Notwithstanding the foregoing, any increase or decrease in volume of securities offered (if the total dollar value of securities offered would not exceed that which was registered) and any deviation from the low or high end of the estimated maximum offering range may be reflected in the form of prospectus filed with the Commission pursuant to Rule 424(b), if, in the aggregate, the changes in volume and price represent no more than a 20% change in the maximum aggregate offering price set forth in the &#8220;Calculation of Registration Fee&#8221; table in the effective registration statement;</font></p>
            <p style="margin-top:0pt; margin-bottom:0pt; text-indent:36pt; text-align:justify; font-size:12pt"><font style="font-family:'Times New Roman'">&#xa0;</font></p>
            <p style="margin-top:0pt; margin-bottom:0pt; text-indent:36pt; text-align:justify; font-size:12pt"><font style="font-family:'Times New Roman'">(iii) to include any material information with respect to the plan of distribution not previously disclosed in the registration statement or any material change to such information in</font><a name="EDGAR_PAGE_END16"></a></p>
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                        <p style="margin-top:0pt; margin-bottom:0pt; text-align:center; font-size:12pt"><a name="EDGAR_HF_F_START_3"></a><font style="font-family:'Times New Roman'">II-</font><font style="font-family:'Times New Roman'">2</font><a name="EDGAR_HF_F_END_4"></a></p>
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            <p style="margin-top:0pt; margin-bottom:0pt; ; text-align:justify; font-size:12pt"><font style="font-family:'Times New Roman'"> </font><a name="EDGAR_PAGE_START17"></a><font style="font-family:'Times New Roman'">the registration statement; </font><font style="font-family:'Times New Roman'; font-style:italic">provided</font><font style="font-family:'Times New Roman'">, </font><font style="font-family:'Times New Roman'; font-style:italic">however</font><font style="font-family:'Times New Roman'">, that paragraphs (i), (ii) and (iii) above do not apply if the information required to be included in a post-effective amendment by those paragraphs is contained in reports filed with or furnished to the Commission by the registrant pursuant to section 13 or section 15(d) of the Securities Exchange Act of 1934 that are incorporated by reference in the registration statement, or is contained in a form of prospectus filed pursuant to Rule 424(b) that is part of the registration statement.</font></p>
            <p style="margin-top:0pt; margin-bottom:0pt; text-indent:36pt; text-align:justify; font-size:12pt"><font style="font-family:'Times New Roman'">&#xa0;</font></p>
            <p style="margin-top:0pt; margin-bottom:0pt; text-indent:36pt; text-align:justify; font-size:12pt"><font style="font-family:'Times New Roman'">(2) that, for the purpose of determining any liability under the Securities Act of 1933, each such post-effective amendment shall be deemed to be a new registration statement relating to the securities offered therein, and the offering of such securities at that time shall be deemed to be the initial bona fide offering thereof.</font></p>
            <p style="margin-top:0pt; margin-bottom:0pt; text-indent:36pt; text-align:justify; font-size:12pt"><font style="font-family:'Times New Roman'">&#xa0;</font></p>
            <p style="margin-top:0pt; margin-bottom:0pt; text-indent:36pt; text-align:justify; font-size:12pt"><font style="font-family:'Times New Roman'">(3) to remove from registration by means of a post-effective amendment any of the securities being registered which remain unsold at the termination of the offering.</font></p>
            <p style="margin-top:0pt; margin-bottom:0pt; text-indent:36pt; text-align:justify; font-size:12pt"><font style="font-family:'Times New Roman'">&#xa0;</font></p>
            <p style="margin-top:0pt; margin-bottom:0pt; text-indent:36pt; text-align:justify; font-size:12pt"><font style="font-family:'Times New Roman'">(4) that, for the purpose of determining liability under the Securities Act of 1933 to any purchaser:</font></p>
            <p style="margin-top:0pt; margin-bottom:0pt; text-align:justify; font-size:12pt"><font style="font-family:'Times New Roman'">&#xa0;</font></p>
            <p style="margin-top:0pt; margin-bottom:0pt; text-indent:36pt; text-align:justify; font-size:12pt"><font style="font-family:'Times New Roman'">(i) each prospectus filed by the registrant pursuant to Rule 424(b)(3) shall be deemed to be part of the registration statement as of the date the filed prospectus was deemed part of and included in the registration statement; and (ii) each prospectus required to be filed pursuant to Rule 424(b)(2), (b)(5), or (b)(7) as part of a registration statement in reliance on Rule 430B relating to an offering made pursuant to Rule 415(a)(1)(i), (vii), or (x) for the purpose of providing the information required by section 10(a) of the Securities Act of 1933 shall be deemed to be part of and included in the registration statement as of the earlier of the date such form of prospectus is first used after effectiveness or the date of the first contract of sale of securities in the offering described in the prospectus. As provided in Rule 430B, for liability purposes of the issuer and any person that is at that date an underwriter, such date shall be deemed to be a new effective date of the registration statement relating to the securities in the registration statement to which that prospectus relates, and the offering of such securities at that time shall be deemed to be the initial bona fide</font><font style="font-family:'Times New Roman'; font-style:italic"> </font><font style="font-family:'Times New Roman'">offering thereof. </font><font style="font-family:'Times New Roman'; font-style:italic">Provided, however</font><font style="font-family:'Times New Roman'">, that no statement made in a registration statement or prospectus that is part of the registration statement or made in a document incorporated or deemed incorporated by reference into the registration statement or prospectus that is part of the registration statement will, as to a purchaser with a time of contract of sale prior to such effective date, supersede or modify any statement that was made in the registration statement or prospectus that was part of the registration statement or made in any such document immediately prior to such effective date.</font></p>
            <p style="margin-top:0pt; margin-bottom:0pt; text-indent:36pt; text-align:justify; font-size:12pt"><font style="font-family:'Times New Roman'">&#xa0;</font></p>
            <p style="margin-top:0pt; margin-bottom:0pt; text-indent:36pt; text-align:justify; page-break-inside:avoid; widows:0; orphans:0; font-size:12pt"><font style="font-family:'Times New Roman'">(5) that, for the purpose of determining liability of the registrant under the Securities Act of 1933 to any purchaser in the initial distribution of the securities: the undersigned registrant undertakes that in a primary offering of securities of the undersigned registrant pursuant to this registration statement, regardless of the underwriting method used to sell the securities to the purchaser, if the securities are offered or sold to such purchaser by means of any of the following communications, the undersigned registrant will be a seller to the purchaser and will be considered to offer or sell such securities to such purchaser:</font></p>
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                        <p style="margin-top:0pt; margin-bottom:0pt; text-align:center; font-size:12pt"><a name="EDGAR_HF_F_START_3"></a><font style="font-family:'Times New Roman'">II-</font><font style="font-family:'Times New Roman'">3</font><a name="EDGAR_HF_F_END_4"></a></p>
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            <p style="margin-top:0pt; margin-bottom:0pt; text-indent:36pt; text-align:justify; font-size:12pt"><a name="EDGAR_PAGE_START18"></a><font style="font-family:'Times New Roman'">(i) any preliminary prospectus or prospectus of the undersigned registrant relating to the offering required to be filed pursuant to Rule 424;</font></p>
            <p style="margin-top:0pt; margin-bottom:0pt; text-indent:36pt; text-align:justify; font-size:12pt"><font style="font-family:'Times New Roman'">&#xa0;</font></p>
            <p style="margin-top:0pt; margin-bottom:0pt; text-indent:36pt; text-align:justify; font-size:12pt"><font style="font-family:'Times New Roman'">(ii) any free writing prospectus relating to the offering prepared by or on behalf of the undersigned registrant or used or referred to by the undersigned registrant;</font></p>
            <p style="margin-top:0pt; margin-bottom:0pt; text-indent:36pt; text-align:justify; font-size:12pt"><font style="font-family:'Times New Roman'">&#xa0;</font></p>
            <p style="margin-top:0pt; margin-bottom:0pt; text-indent:36pt; text-align:justify; font-size:12pt"><font style="font-family:'Times New Roman'">(iii) the portion of any other free writing prospectus relating to the offering containing material information about the undersigned registrant or its securities provided by or on behalf of the undersigned registrant; and</font></p>
            <p style="margin-top:0pt; margin-bottom:0pt; text-indent:36pt; text-align:justify; font-size:12pt"><font style="font-family:'Times New Roman'">&#xa0;</font></p>
            <p style="margin-top:0pt; margin-bottom:0pt; text-indent:36pt; text-align:justify; font-size:12pt"><font style="font-family:'Times New Roman'">(iv) any other communication that is an offer in the offering made by the undersigned registrant to the purchaser.</font></p>
            <p style="margin-top:0pt; margin-bottom:0pt; text-indent:36pt; text-align:justify; font-size:12pt"><font style="font-family:'Times New Roman'">&#xa0;</font></p>
            <p style="margin-top:0pt; margin-bottom:0pt; text-indent:36pt; text-align:justify; font-size:12pt"><font style="font-family:'Times New Roman'">(6) that, for purposes of determining any liability under the Securities Act of 1933, each filing of the registrant&#8217;s annual report pursuant to section 13(a) or section 15(d) of the Securities Exchange Act of 1934 (and, where applicable, each filing of an employee benefit plan&#8217;s annual report pursuant to section 15(d) of the Securities Exchange Act of 1934) that is incorporated by reference in the registration statement shall be deemed to be a new registration statement relating to the securities offered therein, and the offering of such securities at that time shall be deemed to be the initial bona fide offering thereof.</font></p>
            <p style="margin-top:0pt; margin-bottom:0pt; text-indent:36pt; text-align:justify; font-size:12pt"><font style="font-family:'Times New Roman'">&#xa0;</font></p>
            <p style="margin-top:0pt; margin-bottom:0pt; text-indent:36pt; text-align:justify; font-size:12pt"><font style="font-family:'Times New Roman'">(7) that, (i) for purposes of determining any liability under the Securities Act of 1933, the information omitted from the form of prospectus filed as part of this registration statement in reliance upon Rule 430A and contained in a form of prospectus filed by the registrant pursuant to Rule 424(b)(1) or (4) or 497(h) under the Securities Act shall be deemed to be part of this registration statement as of the time it was declared effective; and (ii) for the purpose of determining any liability under the Securities Act of 1933, each post-effective amendment that contains a form of prospectus shall be deemed to be a new registration statement relating to the securities offered therein, and the offering of such securities at that time shall be deemed to be the initial bona fide offering thereof.</font></p>
            <p style="margin-top:0pt; margin-bottom:0pt; text-indent:18pt; text-align:justify; font-size:12pt"><font style="font-family:'Times New Roman'">&#xa0;</font></p>
            <p style="margin-top:0pt; margin-bottom:0pt; text-indent:18pt; text-align:justify; page-break-inside:avoid; widows:0; orphans:0; font-size:12pt"><font style="font-family:'Times New Roman'">Insofar as indemnification for liabilities arising under the Securities Act of 1933 may be permitted to directors, officers and controlling persons of the registrant pursuant to the provisions described under item 15 above, or otherwise, the registrant has been advised that in the opinion of the Securities and Exchange Commission such indemnification is against public policy as expressed in the Securities Act of 1933 and is therefore unenforceable.</font><font style="font-family:'Times New Roman'">&#xa0; </font><font style="font-family:'Times New Roman'">In the event that a claim for indemnification against such liabilities (other than the payment by the registrant of expenses incurred or paid by a director, officer or controlling person of the registrant in the successful defense of any action, suit or proceeding) is asserted by such director, officer or controlling person in connection with the securities being registered, the registrant will, unless in the opinion of its counsel the matter has been settled by controlling precedent, submit to a court of appropriate jurisdiction the question whether such indemnification by it is against public policy as expressed in the Securities Act of 1933 and will be governed by the final adjudication of such issue.</font></p>
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                        <p style="margin-top:0pt; margin-bottom:0pt; text-align:center; font-size:12pt"><a name="EDGAR_HF_F_START_3"></a><font style="font-family:'Times New Roman'">II-</font><font style="font-family:'Times New Roman'">4</font><a name="EDGAR_HF_F_END_4"></a></p>
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            <p style="margin-top:0pt; margin-bottom:0pt; text-align:center; font-size:12pt"><a name="EDGAR_PAGE_START19"></a><font style="font-family:'Times New Roman'; font-weight:bold">SIGNATURES</font></p>
            <p style="margin-top:0pt; margin-bottom:0pt; text-align:justify; font-size:10pt"><font style="font-family:'Times New Roman'">&#xa0;</font></p>
            <p style="margin-top:0pt; margin-bottom:0pt; text-indent:36pt; text-align:justify; font-size:12pt"><font style="font-family:'Times New Roman'">Pursuant to the requirements of the Securities Act of 1933, as amended, the registrant certifies that it has reasonable grounds to believe that it meets all of the requirements for filing on Form S-3 and has duly caused this registration statement to be signed on its behalf by the undersigned, thereunto duly authorized, in the City of Phoenix, State of Arizona, on January 10, 2020.</font></p>
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                            <p style="margin-top:0pt; margin-bottom:0pt; text-align:center; font-size:12pt"><font style="font-family:'Times New Roman'">AMERCO</font><font style="font-family:'Times New Roman'">&#xa0;</font></p>
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                            <p style="margin-top:0pt; margin-bottom:0pt;text-align:center; font-size:12pt"><font style="font-family:'Times New Roman'">By</font><font style="font-family:'Times New Roman'; text-decoration:underline">:/s/Edward J. Shoen</font></p>
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                            <p style="margin-top:0pt; margin-bottom:0pt; text-align:center;font-size:12pt"><font style="font-family:'Times New Roman'">Name:</font><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'"> Edward J. Shoen</font></p>
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                            <p style="margin-top:0pt; margin-bottom:0pt;text-align:center; font-size:12pt"><font style="font-family:'Times New Roman'">Title:</font><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'">&#xa0;&#xa0; </font><font style="font-family:'Times New Roman'">President and Chairman of the Board</font></p>
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                            <p style="margin-top:0pt; margin-bottom:0pt; text-align:center;font-size:12pt"><font style="font-family:'Times New Roman'">By:</font><font style="font-family:'Times New Roman'; text-decoration:underline">/s/ Jason A. Berg</font></p>
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                            <p style="margin-top:0pt; margin-bottom:0pt;text-align:center; font-size:12pt"><font style="font-family:'Times New Roman'">Name:</font><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'"> Jason A. Berg</font></p>
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                            <p style="margin-top:0pt; margin-bottom:0pt;text-align:center; font-size:12pt"><font style="font-family:'Times New Roman'">Title:</font><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'">&#xa0;&#xa0; </font><font style="font-family:'Times New Roman'">Chief Financial Officer</font></p>
                            <p style="margin-top:0pt; margin-bottom:0pt; text-align:center;font-size:12pt"><font style="font-family:'Times New Roman'">&#xa0;&#xa0;&#xa0;&#xa0;&#xa0;&#xa0;&#xa0;&#xa0;&#xa0;&#xa0;&#xa0;&#xa0; </font><font style="font-family:'Times New Roman'">(Principal Financial Officer)</font></p>
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                        <p style="margin-top:0pt; margin-bottom:0pt; text-align:center; font-size:12pt"><a name="EDGAR_HF_F_START_3"></a><font style="font-family:'Times New Roman'">II-</font><font style="font-family:'Times New Roman'">5</font><a name="EDGAR_HF_F_END_4"></a></p>
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            <p style="margin-top:0pt; margin-bottom:0pt; text-align:center; font-size:12pt"><a name="EDGAR_PAGE_START20"></a><font style="font-family:'Times New Roman'; font-weight:bold">POWER OF ATTORNEY</font></p>
            <p style="margin-top:0pt; margin-bottom:0pt; text-indent:36pt; font-size:12pt"><font style="font-family:'Times New Roman'">&#xa0;</font></p>
            <p style="margin-top:0pt; margin-bottom:0pt; text-indent:36pt; text-align:justify; font-size:12pt"><font style="font-family:'Times New Roman'">KNOW ALL MEN BY THESE PRESENT, that each person whose signature appears below constitutes and appoints Edward J. Shoen his true and lawful attorney-in-fact and agent, with full power of substitution and re-substitution, for him and in his name, place and stead, in any and all capacities, to sign any and all amendments to this Form S-3, and to file the same, with all exhibits thereto and other documents in connection therewith with the Securities and Exchange Commission, granting unto said attorney-in-fact and agent, full power and authority to do and perform each and every act or things requisite and necessary to be done in and about the premises, as fully and to all intents and purposes as he might or could do in person hereby ratifying and confirming all that said attorney-in-fact and agent, or his substitute or substitutes, may lawfully do or cause to be done by virtue hereof.</font></p>
            <p style="margin-top:0pt; margin-bottom:0pt; text-indent:36pt; font-size:12pt"><font style="font-family:'Times New Roman'">&#xa0;</font></p>
            <p style="margin-top:0pt; margin-bottom:0pt; text-indent:36pt; font-size:12pt"><font style="font-family:'Times New Roman'">Pursuant to the requirements of the Securities Act of 1933, as amended, this registration statement has been signed by the following persons in the capacities and on the dates indicated:</font></p>
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                            <p style="margin-top:0pt; margin-right:4.95pt; margin-bottom:0pt; font-size:12pt"><font style="font-family:'Times New Roman'">/s/ Edward J. Shoen</font></p>
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                            <p style="margin-top:0pt; margin-bottom:0pt; text-align:center; font-size:12pt"><font style="font-family:'Times New Roman'">President and Chairman of the Board</font></p>
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                            <p style="margin-top:0pt; margin-bottom:0pt; text-align:center; font-size:12pt"><font style="font-family:'Times New Roman'">January 10, 2020</font></p>
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                            <p style="margin-top:0pt; margin-bottom:0pt; text-align:center; font-size:12pt"><font style="font-family:'Times New Roman'">(Principal Executive Officer)</font></p>
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                            <p style="margin-top:0pt; margin-bottom:0pt; text-align:center; font-size:12pt"><font style="font-family:'Times New Roman'">&#xa0;</font></p>
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                            <p style="margin-top:0pt; margin-bottom:0pt; text-align:center; font-size:12pt"><font style="font-family:'Times New Roman'">&#xa0;</font></p>
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                            <p style="margin-top:0pt; margin-bottom:0pt; text-align:center; font-size:12pt"><font style="font-family:'Times New Roman'">&#xa0;</font></p>
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                            <p style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"><font style="font-family:'Times New Roman'">/s/ Jason A. Berg</font></p>
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                            <p style="margin-top:0pt; margin-bottom:0pt; text-align:center; font-size:12pt"><font style="font-family:'Times New Roman'">Chief Financial Officer</font></p>
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                            <p style="margin-top:0pt; margin-bottom:0pt; text-align:center; font-size:12pt"><font style="font-family:'Times New Roman'">January 10, 2020</font></p>
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                        <td style="width:34.02%; vertical-align:top">
                            <p style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"><font style="font-family:'Times New Roman'">Jason A. Berg</font></p>
                        </td>
                        <td colspan="2" style="vertical-align:top">
                            <p style="margin-top:0pt; margin-bottom:0pt; text-align:center; font-size:12pt"><font style="font-family:'Times New Roman'">(Principal Financial Officer)</font></p>
                        </td>
                        <td style="width:21.9%; vertical-align:top">
                            <p style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'"> </font></p>
                        </td>
                        <td style="vertical-align:top">
                        </td>
                    </tr>
                    <tr style="height:0pt">
                        <td style="width:160.85pt">
                        </td>
                        <td style="width:207.15pt">
                        </td>
                        <td style="width:0.45pt">
                        </td>
                        <td style="width:103.5pt">
                        </td>
                        <td style="width:0.75pt">
                        </td>
                    </tr>
                </table>
                <div>
            <table cellspacing="0" cellpadding="0" style="width:101%; margin-right:auto; margin-left:auto">
                <tr style="height:0pt">
                        <td style="width:0.75pt">

                            <tr>
                                <td style="width:34.02%; vertical-align:top">
                                    <p style="margin-top:0pt; margin-bottom:0pt; text-align:center; font-size:12pt"><font style="font-family:'Times New Roman'; font-weight:bold">&#xa0;</font></p>
                                </td>
                                <td style="width:43.82%; vertical-align:top">
                                    <p style="margin-top:0pt; margin-bottom:0pt; text-align:center; font-size:12pt"><font style="font-family:'Times New Roman'; font-weight:bold">&#xa0;</font></p>
                                </td>
                                <td colspan="3" style="vertical-align:top">
                                    <p style="margin-top:0pt; margin-bottom:0pt; text-align:center; font-size:12pt"><font style="font-family:'Times New Roman'; font-weight:bold">&#xa0;</font></p>
                                </td>
                            </tr>


                            <tr>
                                <td style="width:34.02%; border-bottom-style:solid; border-bottom-width:0.75pt; vertical-align:bottom">
                                    <p style="margin-top:0pt; margin-bottom:0pt; text-indent:4.5pt; font-size:12pt"><font style="font-family:'Times New Roman'">/s/ James E. Acridge</font></p>
                                </td>
                                <td style="width:43.82%; vertical-align:top">
                                    <p style="margin-top:0pt; margin-bottom:0pt; text-align:center; font-size:12pt"><font style="font-family:'Times New Roman'">Director</font></p>
                                </td>
                                <td colspan="3" style="vertical-align:top">
                                    <p style="margin-top:0pt; margin-bottom:0pt; text-align:center; font-size:12pt"><font style="font-family:'Times New Roman'">January 10, 2020</font></p>
                                </td>
                            </tr>
                            <tr>
                                <td style="width:34.02%; vertical-align:top">
                                    <p style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"><font style="font-family:'Times New Roman'">James E. Acridge</font></p>
                                </td>
                                <td style="width:43.82%; vertical-align:top">
                                    <p style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'"> </font></p>
                                </td>
                                <td colspan="3" style="vertical-align:top">
                                    <p style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'"> </font></p>
                                </td>
                            </tr>
                            <tr>
                                <td style="width:34.02%; vertical-align:top">
                                    <p style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"><font style="font-family:'Times New Roman'">&#xa0;</font></p>
                                </td>
                                <td style="width:43.82%; vertical-align:top">
                                    <p style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"><font style="font-family:'Times New Roman'">&#xa0;</font></p>
                                </td>
                                <td colspan="3" style="vertical-align:top">
                                    <p style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"><font style="font-family:'Times New Roman'">&#xa0;</font></p>
                                </td>
                            </tr>
                            <tr>
                                <td style="width:34.02%; border-bottom-style:solid; border-bottom-width:0.75pt; vertical-align:top">
                                    <p style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"><font style="font-family:'Times New Roman'">/s/ John P. Brogan</font></p>
                                </td>
                                <td style="width:43.82%; vertical-align:top">
                                    <p style="margin-top:0pt; margin-bottom:0pt; text-align:center; font-size:12pt"><font style="font-family:'Times New Roman'">Director</font></p>
                                </td>
                                <td colspan="3" style="vertical-align:top">
                                    <p style="margin-top:0pt; margin-bottom:0pt; text-align:center; font-size:12pt"><font style="font-family:'Times New Roman'">January 10, 2020</font></p>
                                </td>
                            </tr>
                            <tr>
                                <td style="width:34.02%; vertical-align:top">
                                    <p style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"><font style="font-family:'Times New Roman'">John P. Brogan</font></p>
                                </td>
                                <td style="width:43.82%; vertical-align:top">
                                    <p style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'"> </font></p>
                                </td>
                                <td colspan="3" style="vertical-align:top">
                                    <p style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'"> </font></p>
                                </td>
                            </tr>
                            <tr>
                                <td style="width:34.02%; vertical-align:top">
                                    <p style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"><font style="font-family:'Times New Roman'">&#xa0;</font></p>
                                </td>
                                <td style="width:43.82%; vertical-align:top">
                                    <p style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"><font style="font-family:'Times New Roman'">&#xa0;</font></p>
                                </td>
                                <td colspan="3" style="vertical-align:top">
                                    <p style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"><font style="font-family:'Times New Roman'">&#xa0;</font></p>
                                </td>
                            </tr>
                            <tr>
                                <td style="width:34.02%; border-bottom-style:solid; border-bottom-width:0.75pt; vertical-align:top">
                                    <p style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"><font style="font-family:'Times New Roman'">/s/ James J. Grogan</font></p>
                                </td>
                                <td style="width:43.82%; vertical-align:top">
                                    <p style="margin-top:0pt; margin-bottom:0pt; text-align:center; font-size:12pt"><font style="font-family:'Times New Roman'">Director</font></p>
                                </td>
                                <td colspan="3" style="vertical-align:top">
                                    <p style="margin-top:0pt; margin-bottom:0pt; text-align:center; font-size:12pt"><font style="font-family:'Times New Roman'">January 10, 2020</font></p>
                                </td>
                            </tr>
                            <tr>
                                <td style="width:34.02%; vertical-align:top">
                                    <p style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"><font style="font-family:'Times New Roman'">James J. Grogan</font></p>
                                </td>
                                <td style="width:43.82%; vertical-align:top">
                                    <p style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'"> </font></p>
                                </td>
                                <td colspan="3" style="vertical-align:top">
                                    <p style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'"> </font></p>
                                </td>
                            </tr>
                            <tr>
                                <td style="width:34.02%; vertical-align:top">
                                    <p style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"><font style="font-family:'Times New Roman'">&#xa0;</font></p>
                                </td>
                                <td style="width:43.82%; vertical-align:top">
                                    <p style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"><font style="font-family:'Times New Roman'">&#xa0;</font></p>
                                </td>
                                <td colspan="3" style="vertical-align:top">
                                    <p style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"><font style="font-family:'Times New Roman'">&#xa0;</font></p>
                                </td>
                            </tr>
                            <tr>
                                <td style="width:34.02%; border-bottom-style:solid; border-bottom-width:0.75pt; vertical-align:top">
                                    <p style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"><font style="font-family:'Times New Roman'">/s/ Richard J. Herrera</font></p>
                                </td>
                                <td style="width:43.82%; vertical-align:top">
                                    <p style="margin-top:0pt; margin-bottom:0pt; text-align:center; font-size:12pt"><font style="font-family:'Times New Roman'">Director</font></p>
                                </td>
                                <td colspan="3" style="vertical-align:top">
                                    <p style="margin-top:0pt; margin-bottom:0pt; text-align:center; font-size:12pt"><font style="font-family:'Times New Roman'">January 10, 2020</font></p>
                                </td>
                            </tr>
                            <tr>
                                <td style="width:34.02%; vertical-align:top">
                                    <p style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"><font style="font-family:'Times New Roman'">Richard J. Herrera</font></p>
                                </td>
                                <td style="width:43.82%; vertical-align:top">
                                    <p style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'"> </font></p>
                                </td>
                                <td colspan="3" style="vertical-align:top">
                                    <p style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'"> </font></p>
                                </td>
                            </tr>
                            <tr>
                                <td style="width:34.02%; vertical-align:top">
                                    <p style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"><font style="font-family:'Times New Roman'">&#xa0;</font></p>
                                </td>
                                <td style="width:43.82%; vertical-align:top">
                                    <p style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"><font style="font-family:'Times New Roman'">&#xa0;</font></p>
                                </td>
                                <td colspan="3" style="vertical-align:top">
                                    <p style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"><font style="font-family:'Times New Roman'">&#xa0;</font></p>
                                </td>
                            </tr>
                            <tr>
                                <td style="width:34.02%; border-bottom-style:solid; border-bottom-width:0.75pt; vertical-align:top">
                                    <p style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"><font style="font-family:'Times New Roman'">/s/ Karl A. Schmidt</font></p>
                                </td>
                                <td style="width:43.82%; vertical-align:top">
                                    <p style="margin-top:0pt; margin-bottom:0pt; text-align:center; font-size:12pt"><font style="font-family:'Times New Roman'">Director</font></p>
                                </td>
                                <td colspan="3" style="vertical-align:top">
                                    <p style="margin-top:0pt; margin-bottom:0pt; text-align:center; font-size:12pt"><font style="font-family:'Times New Roman'">January 10, 2020</font></p>
                                </td>
                            </tr>
                            <tr>
                                <td style="width:34.02%; vertical-align:top">
                                    <p style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"><font style="font-family:'Times New Roman'">Karl A. Schmidt</font></p>
                                </td>
                                <td style="width:43.82%; vertical-align:top">
                                    <p style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"><font style="font-family:'Times New Roman'">&#xa0;</font></p>
                                </td>
                                <td colspan="3" style="vertical-align:top">
                                    <p style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'"> </font></p>
                                </td>
                            </tr>
                            <tr>
                                <td style="width:34.02%; vertical-align:top">
                                    <p style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"><font style="font-family:'Times New Roman'">&#xa0;</font></p>
                                </td>
                                <td style="width:43.82%; vertical-align:top">
                                    <p style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"><font style="font-family:'Times New Roman'">&#xa0;</font></p>
                                </td>
                                <td colspan="3" style="vertical-align:top">
                                    <p style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"><font style="font-family:'Times New Roman'">&#xa0;</font></p>
                                </td>
                            </tr>
                            <tr>
                                <td style="width:34.02%; border-bottom-style:solid; border-bottom-width:0.75pt; vertical-align:top">
                                    <p style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"><font style="font-family:'Times New Roman'">/s/ Roberta R. Shank</font></p>
                                </td>
                                <td style="width:43.82%; vertical-align:top">
                                    <p style="margin-top:0pt; margin-bottom:0pt; text-align:center; font-size:12pt"><font style="font-family:'Times New Roman'">Director</font></p>
                                </td>
                                <td colspan="3" style="vertical-align:top">
                                    <p style="margin-top:0pt; margin-bottom:0pt; text-align:center; font-size:12pt"><font style="font-family:'Times New Roman'">January 10, 2020</font></p>
                                </td>
                            </tr>
                            <tr>
                                <td style="width:34.02%; vertical-align:top">
                                    <p style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"><font style="font-family:'Times New Roman'">Roberta R. Shank</font></p>
                                </td>
                                <td style="width:43.82%; vertical-align:top">
                                    <p style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'"> </font></p>
                                </td>
                                <td colspan="3" style="vertical-align:top">
                                    <p style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'"> </font></p>
                                </td>
                            </tr>
                            <tr>
                                <td style="width:34.02%; vertical-align:top">
                                    <p style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"><font style="font-family:'Times New Roman'">&#xa0;</font></p>
                                </td>
                                <td style="width:43.82%; vertical-align:top">
                                    <p style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"><font style="font-family:'Times New Roman'">&#xa0;</font></p>
                                </td>
                                <td colspan="3" style="vertical-align:top">
                                    <p style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"><font style="font-family:'Times New Roman'">&#xa0;</font></p>
                                </td>
                            </tr>
                            <tr>
                                <td style="width:34.02%; border-bottom-style:solid; border-bottom-width:0.75pt; vertical-align:top">
                                    <p style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"><font style="font-family:'Times New Roman'">/s/ Samuel J. Shoen</font></p>
                                </td>
                                <td style="width:43.82%; padding-bottom:1.2pt; vertical-align:top">
                                    <p style="margin-top:0pt; margin-bottom:0pt; text-align:center; font-size:12pt"><font style="font-family:'Times New Roman'">Director</font></p>
                                </td>
                                <td colspan="3" style="padding-bottom:1.2pt; vertical-align:top">
                                    <p style="margin-top:0pt; margin-bottom:0pt; text-align:center; font-size:12pt"><font style="font-family:'Times New Roman'">January 10, 2020</font></p>
                                </td>
                            </tr>
                            <tr>
                                <td style="width:34.02%; border-top-style:solid; border-top-width:0.75pt; vertical-align:top">
                                    <p style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"><font style="font-family:'Times New Roman'">Samuel J. Shoen</font></p>
                                </td>
                                <td style="width:43.82%; vertical-align:top">
                                    <p style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'"> </font></p>
                                </td>
                                <td colspan="3" style="vertical-align:top">
                                    <p style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"><font style="font-family:'Times New Roman'">&#xa0;</font><font style="font-family:'Times New Roman'"> </font></p>
                                </td>
                            </tr>

                        <tr style="height:0pt">
                            <td style="width:160.85pt">
                            </td>
                            <td style="width:207.15pt">
                            </td>
                            <td style="width:0.45pt">
                            </td>
                            <td style="width:103.5pt">
                            </td>
                            <td style="width:0.75pt">
                            </td>
                        </tr>
                    </table>
                </div>
                <p style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"><font style="font-family:'Times New Roman'; font-weight:bold">&#xa0;</font></p>
                <p style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"><a name="EDGAR_PAGE_END20"></a></p>
        <div class="footer" style="clear:both">
            <br>
                        <p style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"><a name="EDGAR_HF_F_START_3"></a><font style="font-family:'Times New Roman'">II-</font><font style="font-family:'Times New Roman'">6</font><a name="EDGAR_HF_F_END_4"></a></p>
                        <p style="margin-top:0pt; margin-bottom:0pt; text-align:center; font-size:12pt"><a name="EDGAR_HF_F_START_3"></a><font style="font-family:'Times New Roman'"></font><font style="font-family:'Times New Roman'"></font><a name="EDGAR_HF_F_END_4"></a></p>
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        </div>
        </div>
                    <div style="">
                </div>
            </div>
            <br style=" clear:both; mso-break-type:section-break" />
            <div class="Section5">
        <div style="page-break-before:always; clear:both;">
        <div class="header" style="clear:both">
            <br>
        </div>
                <p style="margin-top:0pt; margin-bottom:0pt; text-align:center; font-size:12pt"><a name="EDGAR_PAGE_START21"></a><font style="font-family:'Times New Roman'; font-weight:bold">EXHIBIT INDEX</font></p>
                <p style="margin-top:0pt; margin-bottom:0pt; text-align:center; font-size:12pt"><font style="font-family:'Times New Roman'">&#xa0;</font></p>
                <div style="text-align:center">
            <table cellspacing="0" cellpadding="0" style="width:100%; margin-right:auto; margin-left:auto; text-align:left">
                <tr>
                            <td style="width:11.54%; vertical-align:top">
                                <p style="margin-top:0pt; margin-bottom:0pt; line-height:115%; font-size:12pt"><font style="font-family:'Times New Roman'; font-weight:bold">Exhibit</font></p>
                                <p style="margin-top:0pt; margin-bottom:0pt; line-height:115%; font-size:12pt"><font style="font-family:'Times New Roman'; font-weight:bold">Number</font></p>
                            </td>
                            <td style="width:88.46%; vertical-align:bottom">
                                <p style="margin-top:0pt; margin-bottom:10pt; text-align:center; line-height:115%; font-size:12pt"><font style="font-family:'Times New Roman'; font-weight:bold">Description</font></p>
                            </td>
                        </tr>
                        <tr>
                            <td style="width:11.54%; vertical-align:top">
                                <p style="margin-top:0pt; margin-bottom:10pt; text-align:justify; line-height:115%; font-size:12pt"><font style="font-family:'Times New Roman'">1.1*</font></p>
                            </td>
                            <td style="width:88.46%; vertical-align:top">
                                <p style="margin-top:0pt; margin-bottom:10pt; text-align:justify; line-height:115%; font-size:12pt"><font style="font-family:'Times New Roman'">Form of Underwriting Agreement.</font></p>
                            </td>
                        </tr>
                        <tr>
                            <td style="width:11.54%; vertical-align:top">
                                <p style="margin-top:0pt; margin-bottom:10pt; text-align:justify; line-height:115%; font-size:12pt"><font style="font-family:'Times New Roman'">3.1</font></p>
                            </td>
                            <td style="width:88.46%; vertical-align:top">
                                <p style="margin-top:0pt; margin-bottom:10pt; text-align:justify; line-height:115%; font-size:12pt"><font style="font-family:'Times New Roman'">Amended and Restated Articles of Incorporation of AMERCO (incorporated herein by reference to the Company&#8217;s Current Report on Form 8-K, filed on June 9, 2016, file no. 1-11255).</font></p>
                            </td>
                        </tr>
                        <tr>
                            <td style="width:11.54%; vertical-align:top">
                                <p style="margin-top:0pt; margin-bottom:10pt; text-align:justify; line-height:115%; font-size:12pt"><font style="font-family:'Times New Roman'">3.2</font></p>
                            </td>
                            <td style="width:88.46%; vertical-align:top">
                                <p style="margin-top:0pt; margin-bottom:10pt; text-align:justify; line-height:115%; font-size:12pt"><font style="font-family:'Times New Roman'">Restated By-Laws of AMERCO (incorporated herein by reference to the Company&#8217;s Current Report on Form 8-K, filed on September 5, 2013, file no. 1-11255).</font></p>
                            </td>
                        </tr>
                        <tr>
                            <td style="width:11.54%; vertical-align:top">
                                <p style="margin-top:0pt; margin-bottom:10pt; text-align:justify; line-height:115%; font-size:12pt"><font style="font-family:'Times New Roman'">4.1</font></p>
                            </td>
                            <td style="width:88.46%; vertical-align:top">
                                <p style="margin-top:6pt; margin-bottom:0pt; text-align:justify; font-size:12pt"><font style="font-family:'Times New Roman'">U-Haul Investors Club Base Indenture, dated February 12, 2011 by and between AMERCO and U. S. Bank National Association (incorporated by reference to the Company&#8217;s Current Report on Form 8-K, filed on February 22, 2011, file no. 1-11255).</font></p>
                            </td>
                        </tr>
                        <tr>
                            <td style="width:11.54%; vertical-align:top">
                                <p style="margin-top:0pt; margin-bottom:10pt; text-align:justify; line-height:115%; font-size:12pt"><font style="font-family:'Times New Roman'">4.2</font></p>
                            </td>
                            <td style="width:88.46%; vertical-align:top">
                                <p style="margin-top:6pt; margin-bottom:0pt; text-align:justify; font-size:12pt"><font style="font-family:'Times New Roman'">Second Supplemental Indenture, dated February 17, 2011, by and between the Company and U.S. Bank National Association (incorporated by reference to the Company&#8217;s Current Report on Form 8-K, filed on February 22, 2011, file no. 1-11255).</font></p>
                            </td>
                        </tr>
                        <tr>
                            <td style="width:11.54%; vertical-align:top">
                                <p style="margin-top:0pt; margin-bottom:10pt; text-align:justify; line-height:115%; font-size:12pt"><font style="font-family:'Times New Roman'">4.3</font></p>
                            </td>
                            <td style="width:88.46%; vertical-align:top">
                                <p style="margin-top:6pt; margin-bottom:0pt; text-align:justify; font-size:12pt"><font style="font-family:'Times New Roman'">Fourth Supplemental Indenture, dated March 15, 2011, by and between the Company and U.S. Bank National Association (incorporated by reference to the Company&#8217;s Current Report on Form 8-K, filed on March 22, 2011, file no. 1-11255).</font></p>
                            </td>
                        </tr>
                        <tr>
                            <td style="width:11.54%; vertical-align:top">
                                <p style="margin-top:0pt; margin-bottom:10pt; text-align:justify; line-height:115%; font-size:12pt"><font style="font-family:'Times New Roman'">4.4</font></p>
                            </td>
                            <td style="width:88.46%; vertical-align:top">
                                <p style="margin-top:6pt; margin-bottom:0pt; text-align:justify; font-size:12pt"><font style="font-family:'Times New Roman'">Seventh Supplemental Indenture, dated March 29, 2011, by and between the Company and U.S. Bank National Association (incorporated by reference to the Company&#8217;s Current Report on Form 8-K, filed on April 1, 2011, file no. 1-11255).</font></p>
                            </td>
                        </tr>
                        <tr>
                            <td style="width:11.54%; vertical-align:top">
                                <p style="margin-top:0pt; margin-bottom:10pt; text-align:justify; line-height:115%; font-size:12pt"><font style="font-family:'Times New Roman'">4.5</font></p>
                            </td>
                            <td style="width:88.46%; vertical-align:top">
                                <p style="margin-top:6pt; margin-bottom:0pt; text-align:justify; font-size:12pt"><font style="font-family:'Times New Roman'">Tenth Supplemental Indenture, dated June 7, 2011 by and between the Company and U.S. Bank National Association (incorporated by reference to the Company&#8217;s Current Report on Form 8-K, filed on June 23, 2011, file no. 1-11255).</font></p>
                            </td>
                        </tr>
                        <tr>
                            <td style="width:11.54%; vertical-align:top">
                                <p style="margin-top:0pt; margin-bottom:10pt; text-align:justify; line-height:115%; font-size:12pt"><font style="font-family:'Times New Roman'">4.6</font></p>
                            </td>
                            <td style="width:88.46%; vertical-align:top">
                                <p style="margin-top:6pt; margin-bottom:0pt; text-align:justify; font-size:12pt"><font style="font-family:'Times New Roman'">Eleventh Supplemental Indenture dated June 7, 2011 by and between the Company and U.S. Bank National Association (incorporated by reference to the Company&#8217;s Current Report on Form 8-K, filed on October 31, 2011, file no. 1-11255).</font></p>
                            </td>
                        </tr>
                        <tr>
                            <td style="width:11.54%; vertical-align:top">
                                <p style="margin-top:0pt; margin-bottom:10pt; text-align:justify; line-height:115%; font-size:12pt"><font style="font-family:'Times New Roman'">4.7</font></p>
                            </td>
                            <td style="width:88.46%; vertical-align:top">
                                <p style="margin-top:6pt; margin-bottom:0pt; text-align:justify; font-size:12pt"><font style="font-family:'Times New Roman'">Twelfth Supplemental Indenture dated June 14, 2011 by and between the Company and U.S. Bank National Association (incorporated by reference to the Company&#8217;s Current Report on Form 8-K, filed on June 23, 2011, file no. 1-11255).</font></p>
                            </td>
                        </tr>
                        <tr>
                            <td style="width:11.54%; vertical-align:top">
                                <p style="margin-top:0pt; margin-bottom:10pt; text-align:justify; line-height:115%; font-size:12pt"><font style="font-family:'Times New Roman'">4.8</font></p>
                            </td>
                            <td style="width:88.46%; vertical-align:top">
                                <p style="margin-top:6pt; margin-bottom:0pt; text-align:justify; font-size:12pt"><font style="font-family:'Times New Roman'">Fourteenth Supplemental Indenture dated July 20, 2011 by and between the Company and U.S. Bank National Association (incorporated by reference to the Company&#8217;s Current Report on Form 8-K, filed on August 17, 2011, file no. 1-11255).</font></p>
                            </td>
                        </tr>
                        <tr>
                            <td style="width:11.54%; vertical-align:top">
                                <p style="margin-top:0pt; margin-bottom:10pt; text-align:justify; line-height:115%; font-size:12pt"><font style="font-family:'Times New Roman'">4.9</font></p>
                            </td>
                            <td style="width:88.46%; vertical-align:top">
                                <p style="margin-top:6pt; margin-bottom:0pt; text-align:justify; font-size:12pt"><font style="font-family:'Times New Roman'">Sixteenth Supplemental Indenture dated August 31, 2011 by and between the Company and U.S. Bank National Association (incorporated by reference to the Company&#8217;s Current Report on Form 8-K, filed on September 28, 2011, file no. 1-11255).</font></p>
                            </td>
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                        <p style="margin-top:0pt; margin-bottom:0pt; text-align:center; font-size:12pt"><a name="EDGAR_HF_F_START_3"></a><font style="font-family:'Times New Roman'">II-</font><font style="font-family:'Times New Roman'">7</font><a name="EDGAR_HF_F_END_4"></a></p>
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                                <p style="margin-top:0pt; margin-bottom:0pt; line-height:115%; font-size:12pt"><a name="EDGAR_PAGE_START22"></a><font style="font-family:'Times New Roman'; font-weight:bold">Exhibit</font></p>
                                <p style="margin-top:0pt; margin-bottom:0pt; line-height:115%; font-size:12pt"><font style="font-family:'Times New Roman'; font-weight:bold">Number</font></p>
                            </td>
                            <td style="width:88.46%; vertical-align:bottom">
                                <p style="margin-top:0pt; margin-bottom:10pt; text-align:center; line-height:115%; font-size:12pt"><font style="font-family:'Times New Roman'; font-weight:bold">Description</font></p>
                            </td>
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                        <tr>
                            <td style="width:11.54%; vertical-align:top">
                                <p style="margin-top:0pt; margin-bottom:10pt; text-align:justify; line-height:115%; font-size:12pt"><font style="font-family:'Times New Roman'">4.10</font></p>
                            </td>
                            <td style="width:88.46%; vertical-align:top">
                                <p style="margin-top:6pt; margin-bottom:0pt; text-align:justify; font-size:12pt"><font style="font-family:'Times New Roman'">Seventeenth Supplemental Indenture dated November 8, 2011 by and between the Company and U. S. Bank National Association (incorporated by reference to the Company&#8217;s Current Report on Form 8-K, filed on January 18, 2012, file no. 1-11255).</font></p>
                            </td>
                        </tr>
                        <tr>
                            <td style="width:11.54%; vertical-align:top">
                                <p style="margin-top:0pt; margin-bottom:10pt; text-align:justify; line-height:115%; font-size:12pt"><font style="font-family:'Times New Roman'">4.11</font></p>
                            </td>
                            <td style="width:88.46%; vertical-align:top">
                                <p style="margin-top:6pt; margin-bottom:0pt; text-align:justify; font-size:12pt"><font style="font-family:'Times New Roman'">Eighteenth Supplemental Indenture dated January 7, 2012 by and between the Company and U. S. Bank National Association (incorporated by reference to the Company&#8217;s Current Report on Form 8-K, filed on March 26, 2012, file no. 1-11255).</font></p>
                            </td>
                        </tr>
                        <tr>
                            <td style="width:11.54%; vertical-align:top">
                                <p style="margin-top:0pt; margin-bottom:10pt; text-align:justify; line-height:115%; font-size:12pt"><font style="font-family:'Times New Roman'">4.12</font></p>
                            </td>
                            <td style="width:88.46%; vertical-align:top">
                                <p style="margin-top:6pt; margin-bottom:0pt; text-align:justify; font-size:12pt"><font style="font-family:'Times New Roman'">Nineteenth Supplemental Indenture dated May 14, 2012 by and between the Company and U. S. Bank National Association (incorporated by reference to the Company&#8217;s Current Report on Form 8-K, filed on May 15, 2012, file no. 1-11255).</font></p>
                            </td>
                        </tr>
                        <tr>
                            <td style="width:11.54%; vertical-align:top">
                                <p style="margin-top:0pt; margin-bottom:10pt; text-align:justify; line-height:115%; font-size:12pt"><font style="font-family:'Times New Roman'">4.13</font></p>
                            </td>
                            <td style="width:88.46%; vertical-align:top">
                                <p style="margin-top:6pt; margin-bottom:0pt; text-align:justify; font-size:12pt"><font style="font-family:'Times New Roman'">Eighth Supplemental Indenture dated April 12, 2011 by and between the Company and U. S. Bank National Association (incorporated by reference to the Company&#8217;s Annual Report on Form 10-K, filed on March 31, 2012, file no. 1-11255).</font></p>
                            </td>
                        </tr>
                        <tr>
                            <td style="width:11.54%; vertical-align:top">
                                <p style="margin-top:0pt; margin-bottom:10pt; text-align:justify; line-height:115%; font-size:12pt"><font style="font-family:'Times New Roman'">4.14</font></p>
                            </td>
                            <td style="width:88.46%; vertical-align:top">
                                <p style="margin-top:6pt; margin-bottom:0pt; text-align:justify; font-size:12pt"><font style="font-family:'Times New Roman'">Twentieth Supplemental Indenture dated September 4, 2012 by and between the Company and U. S. Bank National Association (incorporated by reference to the Company&#8217;s Current Report on Form 8-K, filed on September 4, 2012, file no. 1-11255).</font></p>
                            </td>
                        </tr>
                        <tr>
                            <td style="width:11.54%; vertical-align:top">
                                <p style="margin-top:0pt; margin-bottom:10pt; text-align:justify; line-height:115%; font-size:12pt"><font style="font-family:'Times New Roman'">4.15</font></p>
                            </td>
                            <td style="width:88.46%; vertical-align:top">
                                <p style="margin-top:6pt; margin-bottom:0pt; text-align:justify; font-size:12pt"><font style="font-family:'Times New Roman'">Twenty-First Supplemental Indenture dated January 15, 2013 by and between the Company and U. S. Bank National Association (incorporated by reference to the Company&#8217;s Current Report on Form 8-K, filed on January 15, 2013, file no. 1-11255).</font></p>
                            </td>
                        </tr>
                        <tr>
                            <td style="width:11.54%; vertical-align:top">
                                <p style="margin-top:0pt; margin-bottom:10pt; text-align:justify; line-height:115%; font-size:12pt"><font style="font-family:'Times New Roman'">4.16</font></p>
                            </td>
                            <td style="width:88.46%; vertical-align:top">
                                <p style="margin-top:6pt; margin-bottom:0pt; text-align:justify; font-size:12pt"><font style="font-family:'Times New Roman'">Twenty-Second Supplemental Indenture dated May 28, 2013 by and between the Company and U. S. Bank National Association (incorporated by reference to the Company&#8217;s Current Report on Form 8-K, filed on May 30, 2013, file no. 1-11255).</font></p>
                            </td>
                        </tr>
                        <tr>
                            <td style="width:11.54%; vertical-align:top">
                                <p style="margin-top:0pt; margin-bottom:10pt; text-align:justify; line-height:115%; font-size:12pt"><font style="font-family:'Times New Roman'">4.17</font></p>
                            </td>
                            <td style="width:88.46%; vertical-align:top">
                                <p style="margin-top:6pt; margin-bottom:0pt; text-align:justify; font-size:12pt"><font style="font-family:'Times New Roman'">Twenty-Third Supplemental Indenture dated November 26, 2013 by and between the Company and U.S. Bank National Association (incorporated by reference to the Company&#8217;s Current Report on Form 8-K, filed on November 26, 2013, file no. 1-11255).</font></p>
                            </td>
                        </tr>
                        <tr>
                            <td style="width:11.54%; vertical-align:top">
                                <p style="margin-top:0pt; margin-bottom:10pt; text-align:justify; line-height:115%; font-size:12pt"><font style="font-family:'Times New Roman'">4.18</font></p>
                            </td>
                            <td style="width:88.46%; vertical-align:top">
                                <p style="margin-top:0pt; margin-bottom:10pt; text-align:justify; font-size:12pt"><font style="font-family:'Times New Roman'">Twenty-Fourth Supplemental Indenture dated April 22, 2014 by and between the Company and U.S. Bank National Association (incorporated by reference to the Company&#8217;s Current Report on Form 8-K, filed on April 22, 2014, file no. 1-11255).</font></p>
                            </td>
                        </tr>
                        <tr>
                            <td style="width:11.54%; vertical-align:top">
                                <p style="margin-top:0pt; margin-bottom:10pt; text-align:justify; line-height:115%; font-size:12pt"><font style="font-family:'Times New Roman'">4.19</font></p>
                            </td>
                            <td style="width:88.46%; vertical-align:top">
                                <p style="margin-top:0pt; margin-bottom:10pt; text-align:justify; font-size:12pt"><font style="font-family:'Times New Roman'">Twenty-Fifth Supplemental Indenture dated July 7, 2015 by and between the Company and U.S. Bank National Association (incorporated by reference to the Company&#8217;s Current Report on Form 8-K, filed on July 7, 2015, file no. 1-11255).</font></p>
                            </td>
                        </tr>
                        <tr>
                            <td style="width:11.54%; vertical-align:top">
                                <p style="margin-top:0pt; margin-bottom:10pt; text-align:justify; line-height:115%; font-size:12pt"><font style="font-family:'Times New Roman'">4.20</font></p>
                            </td>
                            <td style="width:88.46%; vertical-align:top">
                                <p style="margin-top:0pt; margin-bottom:10pt; text-align:justify; font-size:12pt"><font style="font-family:'Times New Roman'">Twenty-Sixth Supplemental Indenture dated September 29, 2015 by and between the Company and U.S. Bank National Association (incorporated by reference to the Company&#8217;s Current Report on Form 8-K, filed on September 29, 2015, file no. 1-11255).</font></p>
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                        <p style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"><a name="EDGAR_HF_F_START_3"></a><font style="font-family:'Times New Roman'">II-</font><font style="font-family:'Times New Roman'">8</font><a name="EDGAR_HF_F_END_4"></a></p>
                        <p style="margin-top:0pt; margin-bottom:0pt; text-align:center; font-size:12pt"><a name="EDGAR_HF_F_START_3"></a><font style="font-family:'Times New Roman'"></font><font style="font-family:'Times New Roman'"></font><a name="EDGAR_HF_F_END_4"></a></p>
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                                <p style="margin-top:0pt; margin-bottom:0pt; line-height:115%; font-size:12pt"><a name="EDGAR_PAGE_START23"></a><font style="font-family:'Times New Roman'; font-weight:bold">Exhibit</font></p>
                                <p style="margin-top:0pt; margin-bottom:0pt; line-height:115%; font-size:12pt"><font style="font-family:'Times New Roman'; font-weight:bold">Number</font></p>
                            </td>
                            <td style="width:88.46%; vertical-align:bottom">
                                <p style="margin-top:0pt; margin-bottom:10pt; text-align:center; line-height:115%; font-size:12pt"><font style="font-family:'Times New Roman'; font-weight:bold">Description</font></p>
                            </td>
                        </tr>
                        <tr>
                            <td style="width:11.54%; vertical-align:top">
                                <p style="margin-top:0pt; margin-bottom:10pt; text-align:justify; line-height:115%; font-size:12pt"><font style="font-family:'Times New Roman'">4.21</font></p>
                            </td>
                            <td style="width:88.46%; vertical-align:top">
                                <p style="margin-top:0pt; margin-bottom:10pt; text-align:justify; font-size:12pt"><font style="font-family:'Times New Roman'">Twenty-Seventh Supplemental Indenture dated December 15, 2015 by and between the Company and U.S. Bank National Association (incorporated by reference to the Company&#8217;s Current Report on Form 8-K, filed on December 15, 2015, file no. 1-11255).</font></p>
                            </td>
                        </tr>
                        <tr>
                            <td style="width:11.54%; vertical-align:top">
                                <p style="margin-top:0pt; margin-bottom:10pt; text-align:justify; line-height:115%; font-size:12pt"><font style="font-family:'Times New Roman'">4.22</font></p>
                            </td>
                            <td style="width:88.46%; vertical-align:top">
                                <p style="margin-top:0pt; margin-bottom:10pt; text-align:justify; font-size:12pt"><font style="font-family:'Times New Roman'">Twenty-Eighth Supplemental Indenture dated September 13, 2016 by and between the Company and U.S. Bank National Association (incorporated by reference to the Company&#8217;s Current Report on Form 8-K, filed on September 13, 2016, file no. 1-11255).</font></p>
                            </td>
                        </tr>
                        <tr>
                            <td style="width:11.54%; vertical-align:top">
                                <p style="margin-top:0pt; margin-bottom:10pt; text-align:justify; line-height:115%; font-size:12pt"><font style="font-family:'Times New Roman'">4.23</font></p>
                            </td>
                            <td style="width:88.46%; vertical-align:top">
                                <p style="margin-top:0pt; margin-bottom:10pt; text-align:justify; font-size:12pt"><font style="font-family:'Times New Roman'">Twenty-Ninth Supplemental Indenture dated January 24, 2017 by and between the Company and U.S. Bank National Association (incorporated by reference to the Company&#8217;s Current Report on Form 8-K, filed on January 24, 2017, file no. 1-11255).</font></p>
                            </td>
                        </tr>
                        <tr>
                            <td style="width:11.54%; vertical-align:top">
                                <p style="margin-top:0pt; margin-bottom:10pt; text-align:justify; line-height:115%; font-size:12pt"><font style="font-family:'Times New Roman'">4.24</font></p>
                            </td>
                            <td style="width:88.46%; vertical-align:top">
                                <p style="margin-top:0pt; margin-bottom:10pt; text-align:justify; font-size:12pt"><font style="font-family:'Times New Roman'">Thirtieth Supplemental Indenture dated June 27, 2017 by and between the Company and U.S. Bank National Association (incorporated by reference to the Company&#8217;s Current Report on Form 8-K, filed on June 27, 2017, file no. 1-11255).</font></p>
                            </td>
                        </tr>
                        <tr>
                            <td style="width:11.54%; vertical-align:top">
                                <p style="margin-top:0pt; margin-bottom:10pt; text-align:justify; line-height:115%; font-size:12pt"><font style="font-family:'Times New Roman'">4.25</font></p>
                            </td>
                            <td style="width:88.46%; vertical-align:top">
                                <p style="margin-top:0pt; margin-bottom:10pt; text-align:justify; font-size:12pt"><font style="font-family:'Times New Roman'">Thirty-First Supplemental Indenture dated October 24, 2017 by and between the Company and U.S. Bank National Association (incorporated by reference to the Company&#8217;s Current Report on Form 8-K, filed on October 24, 2017, file no. 1-11255).</font></p>
                            </td>
                        </tr>
                        <tr>
                            <td style="width:11.54%; vertical-align:top">
                                <p style="margin-top:0pt; margin-bottom:10pt; text-align:justify; line-height:115%; font-size:12pt"><font style="font-family:'Times New Roman'">4.26</font></p>
                            </td>
                            <td style="width:88.46%; vertical-align:top">
                                <p style="margin-top:0pt; margin-bottom:10pt; text-align:justify; font-size:12pt"><font style="font-family:'Times New Roman'">Thirty-Second Supplemental Indenture dated March 6, 2018 by and between the Company and U.S. Bank National Association (incorporated by reference to the Company&#8217;s Current Report on Form 8-K, filed on March 6, 2018, file no. 1-11255).</font></p>
                            </td>
                        </tr>
                        <tr>
                            <td style="width:11.54%; vertical-align:top">
                                <p style="margin-top:0pt; margin-bottom:10pt; text-align:justify; line-height:115%; font-size:12pt"><font style="font-family:'Times New Roman'">4.27</font></p>
                            </td>
                            <td style="width:88.46%; vertical-align:top">
                                <p style="margin-top:0pt; margin-bottom:10pt; text-align:justify; font-size:12pt"><font style="font-family:'Times New Roman'">Amended and Restated Twenty-Fifth Supplemental Indenture dated August 28, 2018 by and between the Company and U.S. Bank National Association (incorporated by reference to the Company&#8217;s Current Report on Form 8-K, filed on August 28, 2018, file no. 1-11255).</font></p>
                            </td>
                        </tr>
                        <tr>
                            <td style="width:11.54%; vertical-align:top">
                                <p style="margin-top:0pt; margin-bottom:10pt; text-align:justify; line-height:115%; font-size:12pt"><font style="font-family:'Times New Roman'">4.28</font></p>
                            </td>
                            <td style="width:88.46%; vertical-align:top">
                                <p style="margin-top:0pt; margin-bottom:10pt; text-align:justify; font-size:12pt"><font style="font-family:'Times New Roman'">Thirty-Third Supplemental Indenture dated August 28, 2018 by and between the Company and U.S. Bank National Association (incorporated by reference to the Company&#8217;s Current Report on Form 8-K, filed on August 28, 2018, file no. 1-11255).</font></p>
                            </td>
                        </tr>
                        <tr>
                            <td style="width:11.54%; vertical-align:top">
                                <p style="margin-top:0pt; margin-bottom:10pt; text-align:justify; line-height:115%; font-size:12pt"><font style="font-family:'Times New Roman'">4.29</font></p>
                            </td>
                            <td style="width:88.46%; vertical-align:top">
                                <p style="margin-top:0pt; margin-bottom:10pt; text-align:justify; font-size:12pt"><font style="font-family:'Times New Roman'">Thirty-Fourth Supplemental Indenture dated October 23, 2018 by and between the Company and U.S. Bank National Association (incorporated by reference to the Company&#8217;s Current Report on Form 8-K, filed on October 23, 2018, file no. 1-11255).</font></p>
                            </td>
                        </tr>
                        <tr>
                            <td style="width:11.54%; vertical-align:top">
                                <p style="margin-top:0pt; margin-bottom:10pt; text-align:justify; line-height:115%; font-size:12pt"><font style="font-family:'Times New Roman'">4.30</font></p>
                            </td>
                            <td style="width:88.46%; vertical-align:top">
                                <p style="margin-top:0pt; margin-bottom:10pt; text-align:justify; font-size:12pt"><font style="font-family:'Times New Roman'">Thirty-Fifth Supplemental Indenture dated May 7, 2019 by and between the Company and U.S. Bank National Association (incorporated by reference to the Company&#8217;s Current Report on Form 8-K, filed on May 7, 2019, file no. 1-11255).</font></p>
                            </td>
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            <br>
                        <p style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"><a name="EDGAR_HF_F_START_3"></a><font style="font-family:'Times New Roman'">II-</font><font style="font-family:'Times New Roman'">9</font><a name="EDGAR_HF_F_END_4"></a></p>
                        <p style="margin-top:0pt; margin-bottom:0pt; text-align:center; font-size:12pt"><a name="EDGAR_HF_F_START_3"></a><font style="font-family:'Times New Roman'"></font><font style="font-family:'Times New Roman'"></font><a name="EDGAR_HF_F_END_4"></a></p>
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                                <p style="margin-top:0pt; margin-bottom:0pt; line-height:115%; font-size:12pt"><a name="EDGAR_PAGE_START24"></a><font style="font-family:'Times New Roman'; font-weight:bold">Exhibit</font></p>
                                <p style="margin-top:0pt; margin-bottom:0pt; line-height:115%; font-size:12pt"><font style="font-family:'Times New Roman'; font-weight:bold">Number</font></p>
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                            <td style="width:88.46%; vertical-align:bottom">
                                <p style="margin-top:0pt; margin-bottom:10pt; text-align:center; line-height:115%; font-size:12pt"><font style="font-family:'Times New Roman'; font-weight:bold">Description</font></p>
                            </td>
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                                <p style="margin-top:0pt; margin-bottom:10pt; text-align:justify; line-height:115%; font-size:12pt"><font style="font-family:'Times New Roman'">4.31</font></p>
                            </td>
                            <td style="width:88.46%; vertical-align:top">
                                <p style="margin-top:0pt; margin-bottom:10pt; text-align:justify; font-size:12pt"><font style="font-family:'Times New Roman'">Amended and Restated Thirty-Third Supplemental Indenture dated May 3, 2019 by and between the Company and U.S. Bank National Association (incorporated by reference to the Company&#8217;s Current Report on Form 8-K, filed on May 3, 2019, file no. 1-11255).</font></p>
                            </td>
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                            <td style="width:11.54%; vertical-align:top">
                                <p style="margin-top:0pt; margin-bottom:10pt; text-align:justify; line-height:115%; font-size:12pt"><font style="font-family:'Times New Roman'">4.32</font></p>
                            </td>
                            <td style="width:88.46%; vertical-align:top">
                                <p style="margin-top:0pt; margin-bottom:10pt; text-align:justify; font-size:12pt"><font style="font-family:'Times New Roman'">Amended and Restated Thirty-Fourth Supplemental Indenture dated May 3, 2019 by and between the Company and U.S. Bank National Association (incorporated by reference to the Company&#8217;s Current Report on Form 8-K, filed on May 3, 2019, file no. 1-11255).</font></p>
                            </td>
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                            <td style="width:11.54%; vertical-align:top">
                                <p style="margin-top:0pt; margin-bottom:10pt; text-align:justify; line-height:115%; font-size:12pt"><font style="font-family:'Times New Roman'">4.33</font></p>
                            </td>
                            <td style="width:88.46%; vertical-align:top">
                                <p style="margin-top:0pt; margin-bottom:10pt; text-align:justify; font-size:12pt"><font style="font-family:'Times New Roman'">Thirty-Sixth Supplemental Indenture dated May 3, 2019 by and between the Company and U.S. Bank National Association (incorporated by reference to the Company&#8217;s Current Report on Form 8-K, filed on May 3, 2019, file no. 1-11255).</font></p>
                            </td>
                        </tr>
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                            <td style="width:11.54%; vertical-align:top">
                                <p style="margin-top:0pt; margin-bottom:10pt; text-align:justify; line-height:115%; font-size:12pt"><font style="font-family:'Times New Roman'">4.34</font></p>
                            </td>
                            <td style="width:88.46%; vertical-align:top">
                                <p style="margin-top:0pt; margin-bottom:10pt; text-align:justify; font-size:12pt"><font style="font-family:'Times New Roman'">Thirty-Seventh Supplemental Indenture dated December 10, 2019 by and between the Company and U.S. Bank National Association (incorporated by reference to the Company&#8217;s Current Report on Form 8-K, filed on December 10, 2019, file no. 1-11255).</font></p>
                            </td>
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                                <p style="margin-top:0pt; margin-bottom:10pt; text-align:justify; line-height:115%; font-size:12pt"><font style="font-family:'Times New Roman'">4.35*</font></p>
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                                <p style="margin-top:0pt; margin-bottom:10pt; text-align:justify; line-height:115%; font-size:12pt"><font style="font-family:'Times New Roman'">Form of Debt Security.</font></p>
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                                <p style="margin-top:0pt; margin-bottom:10pt; text-align:justify; line-height:115%; font-size:12pt"><font style="font-family:'Times New Roman'">5.1**</font></p>
                            </td>
                            <td style="width:88.46%; vertical-align:top">
                                <p style="margin-top:0pt; margin-bottom:10pt; text-align:justify; line-height:115%; font-size:12pt"><font style="font-family:'Times New Roman'">Opinion of DLA Piper LLP (US) regarding legality of the securities being registered.</font></p>
                            </td>
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                                <p style="margin-top:0pt; margin-bottom:10pt; text-align:justify; line-height:115%; font-size:12pt"><font style="font-family:'Times New Roman'">23.1**</font></p>
                            </td>
                            <td style="width:88.46%; vertical-align:top">
                                <p style="margin-top:0pt; margin-bottom:10pt; text-align:justify; line-height:115%; font-size:12pt"><font style="font-family:'Times New Roman'">Consent of DLA Piper LLP (US) (included in Exhibit 5.1).</font></p>
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                                <p style="margin-top:0pt; margin-bottom:10pt; text-align:justify; line-height:115%; font-size:12pt"><font style="font-family:'Times New Roman'">23.2**</font></p>
                            </td>
                            <td style="width:88.46%; vertical-align:top">
                                <p style="margin-top:0pt; margin-bottom:10pt; text-align:justify; line-height:115%; font-size:12pt"><font style="font-family:'Times New Roman'">Consent of BDO USA, LLP, independent registered public accounting firm for the Company.</font></p>
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                                <p style="margin-top:0pt; margin-bottom:10pt; text-align:justify; line-height:115%; font-size:12pt"><font style="font-family:'Times New Roman'">24.1**</font></p>
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                            <td style="width:88.46%; vertical-align:top">
                                <p style="margin-top:0pt; margin-bottom:10pt; text-align:justify; line-height:115%; font-size:12pt"><font style="font-family:'Times New Roman'">Power of Attorney (included on the signature page of this registration statement).</font></p>
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                                <p style="margin-top:0pt; margin-bottom:10pt; text-align:justify; line-height:115%; font-size:12pt"><font style="font-family:'Times New Roman'">25.1**</font></p>
                            </td>
                            <td style="width:88.46%; vertical-align:top">
                                <p style="margin-top:0pt; margin-bottom:10pt; text-align:justify; line-height:115%; font-size:12pt"><font style="font-family:'Times New Roman'">Statement of Eligibility of Trustee on Form T-1 under the Trust Indenture Act of 1939, as amended.</font></p>
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                                <p style="margin-top:0pt; margin-bottom:10pt; line-height:115%; font-size:12pt"><font style="font-family:'Times New Roman'">*</font></p>
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                            <td style="width:88.46%; vertical-align:top">
                                <p style="margin-top:0pt; margin-bottom:10pt; line-height:115%; font-size:12pt"><font style="font-family:'Times New Roman'">To be filed, if necessary, as an exhibit to a report filed under the Exchange Act and incorporated herein by reference. </font></p>
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                                <p style="margin-top:0pt; margin-bottom:10pt; line-height:115%; font-size:12pt"><font style="font-family:'Times New Roman'">**</font></p>
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                                <p style="margin-top:0pt; margin-bottom:10pt; line-height:115%; font-size:12pt"><font style="font-family:'Times New Roman'">Filed herewith.</font></p>
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<DOCUMENT>
<TYPE>EX-5.1
<SEQUENCE>2
<FILENAME>ex51.htm
<DESCRIPTION>EX 5.1
<TEXT>
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            <p style="margin-top:0pt; margin-bottom:0pt; font-size:8.5pt"><font style="font-family:Arial">DLA Piper LLP (US)</font></p>
            <p style="margin-top:0pt; margin-bottom:0pt; font-size:8.5pt"><font style="font-family:Arial">2525 East Camelback Road, Suite 1000</font></p>
            <p style="margin-top:0pt; margin-bottom:0pt; font-size:8.5pt"><font style="font-family:Arial">Phoenix, Arizona 85016-4232</font></p>
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            <p style="margin-top:0pt; margin-bottom:0pt; font-size:8.5pt"><font style="font-family:Arial">Gregory R. Hall</font></p>
            <p style="margin-top:0pt; margin-bottom:0pt; font-size:8.5pt"><font style="font-family:Arial">Greg.hall@dlapiper.com</font></p>
            <p style="margin-top:0pt; margin-bottom:0pt; font-size:8.5pt"><font style="font-family:Arial">T</font><font style="font-family:Arial">&#xa0; </font><font style="font-family:Arial">480.606.5218</font></p>
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            <p style="margin-top:0pt; margin-bottom:24pt; font-size:11pt"><font style="font-family:Arial">January 10, 2020</font></p>
            <p style="margin-top:0pt; margin-bottom:12pt; font-size:11pt"><font style="font-family:Arial">AMERCO</font><br /><font style="font-family:Arial">5555 Kietzke Lane, Suite 100</font><br /><font style="font-family:Arial">Reno, Nevada 89511</font></p>
            <p style="margin-top:0pt; margin-left:72pt; margin-bottom:12pt; text-indent:-40.5pt; font-size:11pt"><font style="font-family:Arial; font-style:italic">Re:Securities Being Registered under Registration Statement on Form S-3</font></p>
            <p style="margin-top:0pt; margin-bottom:12pt; font-size:11pt"><font style="font-family:Arial">Ladies and Gentlemen:</font></p>
            <p style="margin-top:0pt; margin-bottom:6pt; text-indent:36pt; text-align:justify; font-size:11pt"><font style="font-family:Arial">We have acted as counsel to you in connection with your filing of a Registration Statement on Form S-3 (as amended or supplemented, the &#8220;Registration Statement&#8221;) pursuant to the Securities Act of 1933, as amended (the &#8220;Securities Act&#8221;), relating to the registration of any combination of (i)</font><font style="font-family:Arial">&#xa0;</font><font style="font-family:Arial">common stock, par value $0.25 per share (the &#8220;Common Stock&#8221;), of AMERCO, a Nevada corporation (the &#8220;Company&#8221;), (ii)</font><font style="font-family:Arial">&#xa0;</font><font style="font-family:Arial">preferred stock of the Company (the &#8220;Preferred Stock&#8221;), and (iii)</font><font style="font-family:Arial">&#xa0;</font><font style="font-family:Arial">debt securities of the Company (&#8220;Debt Securities&#8221;). The Common Stock, Preferred Stock and Debt Securities are sometimes referred to collectively herein as the &#8220;Securities.&#8221; Securities may be issued in an unspecified number (with respect to Common Stock and Preferred Stock) or in an unspecified principal amount (with respect to Debt Securities).</font><font style="font-family:Arial">&#xa0; </font><font style="font-family:Arial">The Registration Statement provides that the Securities may be offered separately or together, in separate series, in amounts, at prices and on terms to be set forth in one or more prospectus supplements (each a &#8220;Prospectus Supplement&#8221;) to the prospectus contained in the Registration Statement.</font><font style="font-family:Arial">&#xa0; </font></p>
            <p style="margin-top:0pt; margin-bottom:6pt; text-indent:36pt; text-align:justify; font-size:11pt"><font style="font-family:Arial">We have reviewed such documents and made such examination of law as we have deemed appropriate to give the opinions expressed below. We have relied, without independent verification, on certificates of public officials and, as to matters of fact material to the opinions set forth below, on certificates of officers of the Company. </font></p>
            <p style="margin-top:0pt; margin-bottom:0pt; text-indent:36pt; text-align:justify; font-size:11pt"><font style="font-family:Arial">The opinions expressed below are limited to the General Corporation Law of Nevada (which includes reported judicial decisions interpreting the General Corporation Law of Nevada) and the federal law of the United States. Without limiting the generality of the foregoing, we express no opinion with respect to (i) state securities or &#8220;blue sky&#8221; laws, or (ii)</font><font style="font-family:Arial">&#xa0;</font><font style="font-family:Arial">state or federal antitrust laws. </font></p>
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            <p style="margin-top:0pt; margin-bottom:0pt; font-size:11pt"><font style="font-family:Arial">AMERCO</font></p>
            <p style="margin-top:0pt; margin-bottom:0pt; font-size:11pt"><font style="font-family:Arial">January 10, 2020</font></p>
            <p style="margin-top:0pt; margin-bottom:0pt; text-align:justify; font-size:11pt"><font style="font-family:Arial">Page 2</font></p>
            <p style="margin-top:0pt; margin-bottom:0pt; text-align:justify; font-size:11pt"><font style="font-family:Arial">&#xa0;</font></p>
            <p style="margin-top:0pt; margin-bottom:0pt; text-indent:36pt; text-align:justify; font-size:11pt"><font style="font-family:Arial">For purposes of the opinions expressed below, without limiting any other exceptions or qualifications set forth herein, we have assumed that after the issuance of any Securities offered pursuant to the Registration Statement, the total number of issued shares of Common Stock or Preferred Stock, as applicable, will not exceed the total number of authorized shares of Common Stock or Preferred Stock, as applicable, under the Company&#8217;s Restated Articles of Incorporation, as amended and then in effect (the &#8220;</font><font style="font-family:Arial; font-weight:bold; font-style:italic">Charter</font><font style="font-family:Arial">&#8221;).</font></p>
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            <p style="margin-top:0pt; margin-bottom:12pt; text-indent:36pt; text-align:justify; font-size:11pt"><font style="font-family:Arial">For purposes of the opinions expressed below, we refer to the following as the &#8220;</font><font style="font-family:Arial; font-weight:bold; font-style:italic">Future Authorization and Issuance</font><font style="font-family:Arial">&#8221; of Securities: </font></p>
            <ul type="disc" style="margin:0pt; padding-left:0pt">
                <li style="margin-left:64.06pt; margin-bottom:12pt; text-align:justify; padding-left:7.94pt; font-family:serif; font-size:11pt"><font style="font-family:Arial">with respect to any of the Securities, (a)</font><font style="font-family:Arial">&#xa0;</font><font style="font-family:Arial">the authorization by the Company of the terms and issuance of such Securities (the &#8220;</font><font style="font-family:Arial; font-weight:bold; font-style:italic">Authorization</font><font style="font-family:Arial">&#8221;) and (b)</font><font style="font-family:Arial">&#xa0;</font><font style="font-family:Arial">the issuance of such Securities in accordance with the Authorization therefor upon the receipt by the Company of the consideration (which, in the case of shares of Common Stock or Preferred Stock, is not less than the par value of such shares) to be paid therefor in accordance with the Authorization;</font></li>
                <li style="margin-left:64.06pt; margin-bottom:12pt; text-align:justify; padding-left:7.94pt; font-family:serif; font-size:11pt"><font style="font-family:Arial">with respect to Preferred Stock, (a)</font><font style="font-family:Arial">&#xa0;</font><font style="font-family:Arial">the establishment of the terms of such Preferred Stock by the Company in conformity with the Charter and applicable law and (b)</font><font style="font-family:Arial">&#xa0;</font><font style="font-family:Arial">the execution, acknowledgement and filing with the Nevada Secretary of State, and the effectiveness of, a certificate of designations to the Charter setting forth the terms of such Preferred Stock in accordance with the Charter and applicable law; and</font></li>
                <li style="margin-left:64.06pt; margin-bottom:12pt; text-align:justify; padding-left:7.94pt; font-family:serif; font-size:11pt"><font style="font-family:Arial">with respect to Debt Securities, (a)</font><font style="font-family:Arial">&#xa0;</font><font style="font-family:Arial">the authorization, execution and delivery of the indenture or a supplemental indenture relating to such Securities by the Company and the trustee thereunder and/or (b)</font><font style="font-family:Arial">&#xa0;</font><font style="font-family:Arial">the establishment of the terms of such Securities by the Company in conformity with the applicable indenture or supplemental indenture and applicable law, and (c)</font><font style="font-family:Arial">&#xa0;</font><font style="font-family:Arial">the execution, authentication and issuance of such Securities in accordance with the applicable indenture or supplemental indenture and applicable law.</font></li>
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            <p style="margin-top:0pt; margin-bottom:0pt; font-size:11pt"><font style="font-family:Arial">AMERCO</font></p>
            <p style="margin-top:0pt; margin-bottom:0pt; font-size:11pt"><font style="font-family:Arial">January 10, 2020</font></p>
            <p style="margin-top:0pt; margin-bottom:0pt; text-align:justify; font-size:11pt"><font style="font-family:Arial">Page 3</font></p>
            <p style="margin-top:12pt; margin-bottom:12pt; text-indent:36pt; font-size:11pt"><font style="font-family:Arial">&#xa0;</font></p>
            <p style="margin-top:12pt; margin-bottom:12pt; text-indent:36pt; font-size:11pt"><font style="font-family:Arial">Based upon the foregoing, and subject to the additional qualifications set forth below, we are of the opinion that: </font></p>
            <ol type="1" style="margin:0pt; padding-left:0pt">
                <li style="margin-top:12pt; margin-left:68.17pt; margin-bottom:12pt; padding-left:3.83pt; font-family:Arial; font-size:11pt"><font>Upon the Future Authorization and Issuance of shares of Common Stock, such shares of Common Stock will be validly issued, fully paid and non-assessable.</font></li>
                <li style="margin-top:12pt; margin-left:68.17pt; margin-bottom:12pt; padding-left:3.83pt; font-family:Arial; font-size:11pt"><font>Upon the Future Authorization and Issuance of shares of Preferred Stock, such shares of Preferred Stock will be validly issued, fully paid and non-assessable</font></li>
                <li style="margin-top:12pt; margin-left:68.17pt; margin-bottom:12pt; padding-left:3.83pt; font-family:Arial; font-size:11pt"><font>Upon the Future Authorization and Issuance of Debt Securities, such Debt Securities will be valid and binding obligations of the Company.</font></li>
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            <p style="margin-top:12pt; margin-bottom:12pt; text-indent:36pt; font-size:11pt"><font style="font-family:Arial">The opinions expressed above are subject to bankruptcy, insolvency, fraudulent transfer, reorganization, moratorium and other similar laws of general application affecting the rights and remedies of creditors and to general principles of equity. </font></p>
            <p style="margin-top:0pt; margin-bottom:12pt; text-indent:36pt; font-size:11pt"><font style="font-family:Arial">We hereby consent to the inclusion of this opinion as Exhibit</font><font style="font-family:Arial">&#xa0;</font><font style="font-family:Arial">5.1 to the Registration Statement and to the references to our firm under the caption &#8220;Legal Matters&#8221; in the Registration Statement. </font></p>
            <p style="margin-top:0pt; margin-bottom:0pt; page-break-inside:avoid; page-break-after:avoid; font-size:11pt"><font style="font-family:Arial">Very truly yours,</font></p>
            <p style="margin-top:12pt; margin-bottom:0pt; page-break-inside:avoid; page-break-after:avoid; font-size:11pt"><font style="font-family:Arial; font-weight:bold">DLA Piper LLP (US)</font></p>
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<DOCUMENT>
<TYPE>EX-23.1
<SEQUENCE>3
<FILENAME>ex231.htm
<DESCRIPTION>EX 23.1
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            <p style="margin:0pt; text-align:right"><a name="EDGAR_PAGE_START1"></a><font style="font-family:Arial; font-size:10pt; font-weight:bold">Exhibit 23.1</font></p>
            <p style="margin:0pt; text-align:right"><font style="font-family:Arial; font-size:10pt">&#xa0;</font></p>
            <p style="margin:0pt"><font style="font-family:Arial; font-size:10pt">Refer to Exhibit 5.1.</font><a name="EDGAR_PAGE_END1"></a></p>
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<DOCUMENT>
<TYPE>EX-23.2
<SEQUENCE>4
<FILENAME>ex232.htm
<DESCRIPTION>EX 23.2
<TEXT>
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                <p style="margin-top:0pt; margin-bottom:0pt; font-size:10pt"><a name="EDGAR_HF_H_START_1"></a><font style="font-family:'Times New Roman'; -aw-import:ignore">&#xa0;</font></p>
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                            <p style="margin-top:0pt; margin-bottom:0pt; font-size:10pt"><img src="image4.jpg" width="103" height="39" alt="BDO(R)_logo_300dpi_RGB.jpg" style="-aw-left-pos:0pt; -aw-rel-hpos:column; -aw-rel-vpos:paragraph; -aw-top-pos:0pt; -aw-wrap-type:inline" ></p>
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                            <p style="margin-top:0pt; margin-bottom:0pt; text-align:justify; line-height:8.5pt"><font style="font-family:'Trebuchet MS'; font-size:8pt; color:#404040">Tel: 602-956-3400</font></p>
                            <p style="margin-top:0pt; margin-bottom:0pt; text-align:justify; line-height:8.5pt"><font style="font-family:'Trebuchet MS'; font-size:8pt; color:#404040">Fax: 602-956-3402</font></p>
                            <p style="margin-top:0pt; margin-bottom:0pt; text-align:justify; line-height:8.5pt"><font style="font-family:'Trebuchet MS'; font-size:8pt; font-weight:bold; color:#404040">www.bdo.com</font></p>
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                            <p style="margin-top:0pt; margin-bottom:0pt; text-align:justify; line-height:8.5pt"><font style="font-family:'Trebuchet MS'; font-size:8pt; color:#404040">2555 E. Camelback Road, Suite 750</font></p>
                            <p style="margin-top:0pt; margin-bottom:0pt; text-align:justify; line-height:8.5pt"><font style="font-family:'Trebuchet MS'; font-size:8pt; color:#404040">Phoenix, AZ 85016</font></p>
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            <p style="margin-top:0pt; margin-bottom:0pt; text-align:center; font-size:10.5pt"><a name="EDGAR_PAGE_START1"></a><font style="font-family:'Trebuchet MS'; text-decoration:underline">Consent of Independent Registered Public Accounting Firm</font></p>
            <p style="margin-top:0pt; margin-bottom:0pt; text-align:justify; font-size:10.5pt"><font style="font-family:'Trebuchet MS'">&#xa0;</font></p>
            <p style="margin-top:0pt; margin-bottom:0pt; text-align:justify; font-size:10.5pt"><font style="font-family:'Trebuchet MS'">AMERCO</font></p>
            <p style="margin-top:0pt; margin-bottom:0pt; text-align:justify; font-size:10.5pt"><font style="font-family:'Trebuchet MS'">Reno, Nevada</font></p>
            <p style="margin-top:12pt; margin-bottom:0pt; text-align:justify; font-size:10.5pt"><font style="font-family:'Trebuchet MS'">We hereby consent to the incorporation by reference in the Prospectus constituting a part of this Registration Statement of our reports dated May 29, 2019, relating to the consolidated financial statements, the effectiveness of AMERCO&#8217;s internal control over financial reporting, and schedules of AMERCO appearing in the Company&#8217;s Annual Report on Form 10-K for the year ended March 31, 2019.</font></p>
            <p style="margin-top:12pt; margin-bottom:0pt; text-align:justify; font-size:10.5pt"><font style="font-family:'Trebuchet MS'">We also consent to the reference to us under the caption &#8220;Experts&#8221; in the Prospectus.</font></p>
            <p style="margin-top:0pt; margin-bottom:0pt; text-align:justify; font-size:10.5pt"><font style="font-family:'Trebuchet MS'">&#xa0;</font></p>
            <p style="margin-top:0pt; margin-bottom:0pt; text-align:justify; font-size:10.5pt"><font style="font-family:'Trebuchet MS'">/s/ BDO USA, LLP</font></p>
            <p style="margin-top:0pt; margin-bottom:0pt; text-align:justify; font-size:10.5pt"><font style="font-family:'Trebuchet MS'">&#xa0;</font></p>
            <p style="margin-top:0pt; margin-bottom:0pt; text-align:justify; font-size:10.5pt"><font style="font-family:'Trebuchet MS'">&#xa0;</font></p>
            <p style="margin-top:0pt; margin-bottom:0pt; text-align:justify; font-size:10.5pt"><font style="font-family:'Trebuchet MS'">Phoenix, Arizona</font></p>
            <p style="margin-top:0pt; margin-bottom:0pt; text-align:justify; font-size:10.5pt"><font style="font-family:'Trebuchet MS'">January 10, 2020</font><a name="EDGAR_PAGE_END1"></a></p>
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                <p style="margin-top:0pt; margin-bottom:0pt; text-align:justify; line-height:7.2pt"><a name="EDGAR_HF_F_START_3"></a><font style="font-family:'Trebuchet MS'; font-size:6pt; color:#685040; -aw-import:ignore">&#xa0;</font></p>
                <p style="margin-top:0pt; margin-bottom:0pt; text-align:justify; line-height:7.2pt"><font style="font-family:'Trebuchet MS'; font-size:6pt; color:#685040">BDO USA, LLP, a Delaware limited liability partnership, is the U.S. member of BDO International Limited, a UK company limited by guarantee, and forms part of the international BDO network of independent member firms.</font></p>
                <p style="margin-top:0pt; margin-bottom:0pt; line-height:4pt"><font style="font-family:'Trebuchet MS'; font-size:6pt; color:#685040; -aw-import:ignore">&#xa0;</font></p>
                <p style="margin-top:0pt; margin-bottom:0pt; text-align:justify; line-height:7.2pt"><font style="font-family:'Trebuchet MS'; font-size:6pt; color:#685040">BDO is the brand name for the BDO network and for each of the BDO Member Firms.</font><a name="EDGAR_HF_F_END_4"></a></p>
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<DOCUMENT>
<TYPE>EX-24.1
<SEQUENCE>5
<FILENAME>ex241.htm
<DESCRIPTION>EX 24.1
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            <p style="margin:0pt; text-align:right"><a name="EDGAR_PAGE_START1"></a><font style="font-family:Arial; font-size:10pt; font-weight:bold">Exhibit 2</font><font style="font-family:Arial; font-size:10pt; font-weight:bold">4</font><font style="font-family:Arial; font-size:10pt; font-weight:bold">.1</font></p>
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            <p style="margin:0pt"><font style="font-family:Arial; font-size:10pt">Refer to </font><font style="font-family:Arial; font-size:10pt">signature page of this Registration Statement</font><font style="font-family:Arial; font-size:10pt">.</font><a name="EDGAR_PAGE_END1"></a></p>
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<DOCUMENT>
<TYPE>EX-25.1
<SEQUENCE>6
<FILENAME>ex251.htm
<DESCRIPTION>EX 25.1
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            <p style="margin-top:0pt; margin-bottom:0pt; text-align:center; font-size:12pt"><a name="EDGAR_PAGE_START1"></a><font style="font-family:'Times New Roman'">&#xa0;</font></p>
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            <p style="margin-top:0pt; margin-bottom:0pt; text-align:center; font-size:12pt"><font style="font-family:'Times New Roman'">&#xa0;</font></p>
            <p style="margin-top:0pt; margin-bottom:0pt; text-align:center; font-size:16pt"><font style="font-family:'Times New Roman'; font-weight:bold; font-variant:small-caps">securities and exchange commission</font></p>
            <p style="margin-top:0pt; margin-bottom:0pt; text-align:center; font-size:11pt"><font style="font-family:'Times New Roman'; font-weight:bold">Washington, D.C. 20549</font></p>
            <p style="margin-top:0pt; margin-bottom:0pt; text-align:center; font-size:11pt"><font style="font-family:'Times New Roman'">__________________________</font></p>
            <p style="margin-top:0pt; margin-bottom:0pt; text-align:center; font-size:11pt"><font style="font-family:'Times New Roman'">&#xa0;</font></p>
            <p style="margin-top:0pt; margin-bottom:0pt; text-align:center; font-size:16pt"><font style="font-family:'Times New Roman'; font-weight:bold">FORM T-1</font></p>
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            <p style="margin-top:0pt; margin-bottom:0pt; text-align:center; font-size:11pt"><font style="font-family:'Times New Roman'; font-weight:bold; text-transform:uppercase">Statement of Eligibility Under</font></p>
            <p style="margin-top:0pt; margin-bottom:0pt; text-align:center; font-size:11pt"><font style="font-family:'Times New Roman'; font-weight:bold; text-transform:uppercase">The Trust Indenture Act of 1939 of a </font></p>
            <p style="margin-top:0pt; margin-bottom:0pt; text-align:center; font-size:11pt"><font style="font-family:'Times New Roman'; font-weight:bold; text-transform:uppercase">Corporation Designated to Act as Trustee</font></p>
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            <p style="margin-top:0pt; margin-bottom:0pt; text-align:center; font-size:11pt"><font style="font-family:'Times New Roman'">a Trustee Pursuant to Section 305(b)(2)</font></p>
            <p style="margin-top:0pt; margin-bottom:0pt; text-align:center; font-size:11pt"><font style="font-family:'Times New Roman'">_______________________________________________________</font></p>
            <p style="margin-top:0pt; margin-bottom:0pt; text-align:center; font-size:11pt"><font style="font-family:'Times New Roman'">&#xa0;</font></p>
            <p style="margin-top:0pt; margin-bottom:0pt; text-align:center; font-size:14pt"><font style="font-family:'Times New Roman'; font-weight:bold">U.S. BANK NATIONAL ASSOCIATION</font></p>
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            <p style="margin-top:0pt; margin-bottom:0pt; font-size:11pt"><font style="font-family:'Times New Roman'">&#xa0;</font></p>
            <p style="margin-top:0pt; margin-bottom:0pt; text-align:center; font-size:11pt"><font style="font-family:'Times New Roman'; font-weight:bold">31-0841368</font></p>
            <p style="margin-top:0pt; margin-bottom:0pt; text-align:center; font-size:9pt"><font style="font-family:'Times New Roman'">I.R.S. Employer Identification No.</font></p>
            <p style="margin-top:0pt; margin-bottom:0pt; font-size:9pt"><font style="font-family:'Times New Roman'">&#xa0;</font></p>
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                            <p style="margin-top:0pt; margin-bottom:0pt; text-align:center; font-size:11pt"><font style="font-family:'Times New Roman'">800 Nicollet Mall</font></p>
                            <p style="margin-top:0pt; margin-bottom:0pt; text-align:center; font-size:11pt"><font style="font-family:'Times New Roman'">Minneapolis, Minnesota</font></p>
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                            <p style="margin-top:0pt; margin-bottom:0pt; text-align:center; font-size:11pt"><font style="font-family:'Times New Roman'">&#xa0;</font></p>
                            <p style="margin-top:0pt; margin-bottom:0pt; text-align:center; font-size:11pt"><font style="font-family:'Times New Roman'">55402</font></p>
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                            <p style="margin-top:0pt; margin-bottom:0pt; text-align:center; font-size:9pt"><font style="font-family:'Times New Roman'">(Address of principal executive offices)</font></p>
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                            <p style="margin-top:0pt; margin-bottom:0pt; text-align:center; font-size:9pt"><font style="font-family:'Times New Roman'">(Zip Code)</font></p>
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            <p style="margin-top:0pt; margin-bottom:0pt; font-size:11pt"><font style="font-family:'Times New Roman'; font-weight:bold">&#xa0;</font></p>
            <p style="margin-top:0pt; margin-bottom:0pt; text-align:center; font-size:11pt"><font style="font-family:'Times New Roman'">Jose A. Galarza</font></p>
            <p style="margin-top:0pt; margin-bottom:0pt; text-align:center; font-size:11pt"><font style="font-family:'Times New Roman'">U.S. Bank National Association</font></p>
            <p style="margin-top:0pt; margin-bottom:0pt; text-align:center; font-size:11pt"><font style="font-family:'Times New Roman'">190 S. LaSalle Street, 7</font><font style="font-family:'Times New Roman'; font-size:7.33pt; vertical-align:super">th</font><font style="font-family:'Times New Roman'"> Floor</font></p>
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            <p style="margin-top:0pt; margin-bottom:0pt; text-align:center; font-size:11pt"><font style="font-family:'Times New Roman'">(312) 332-7453</font></p>
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            <p style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"><font style="font-family:'Times New Roman'">&#xa0;</font></p>
            <p style="margin-top:0pt; margin-bottom:0pt; text-align:center; font-size:14pt"><font style="font-family:'Times New Roman'; font-weight:bold">AMERCO</font></p>
            <p style="margin-top:0pt; margin-bottom:0pt; text-align:center; font-size:9pt"><font style="font-family:'Times New Roman'">(Issuer with respect to the Securities)</font></p>
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                            <p style="margin-top:0pt; margin-bottom:0pt; text-align:center; font-size:12pt"><font style="font-family:'Times New Roman'">Nevada</font></p>
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                            <p style="margin-top:0pt; margin-bottom:0pt; text-align:center; font-size:12pt"><font style="font-family:'Times New Roman'">88-0106815</font></p>
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                            <p style="margin-top:0pt; margin-bottom:0pt; text-align:center; font-size:9pt"><font style="font-family:'Times New Roman'">(State or other jurisdiction of incorporation or organization)</font></p>
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                        <td style="width:233.1pt; border-top-style:solid; border-top-width:0.75pt; border-left-style:solid; border-left-width:0.75pt; border-bottom-style:solid; border-bottom-width:0.75pt; padding-right:5.03pt; padding-left:5.03pt; vertical-align:top">
                            <p style="margin-top:0pt; margin-bottom:0pt; text-align:center; font-size:9pt"><font style="font-family:'Times New Roman'">(I.R.S. Employer Identification No.)</font></p>
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                        <td style="width:223.2pt; border-top-style:solid; border-top-width:0.75pt; border-right-style:solid; border-right-width:0.75pt; padding-right:5.03pt; padding-left:5.03pt; vertical-align:top">
                            <p style="margin-top:0pt; margin-bottom:0pt; font-size:9pt"><font style="font-family:'Times New Roman'">&#xa0;</font></p>
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                        <td style="width:233.1pt; border-top-style:solid; border-top-width:0.75pt; border-left-style:solid; border-left-width:0.75pt; padding-right:5.03pt; padding-left:5.03pt; vertical-align:top">
                            <p style="margin-top:0pt; margin-bottom:0pt; text-align:center; font-size:9pt"><font style="font-family:'Times New Roman'">&#xa0;</font></p>
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            <p style="margin-top:0pt; margin-bottom:0pt; text-align:center; font-size:11pt"><font style="font-family:'Times New Roman'">&#xa0;</font></p>
            <div style="text-align:center">
            <table cellspacing="0" cellpadding="0" style="margin-right:auto; margin-left:auto; border:0.75pt solid #000000; border-collapse:collapse; text-align:left">
                <tr style="height:28.3pt">
                        <td style="width:224.1pt; border-right-style:solid; border-right-width:0.75pt; border-bottom-style:solid; border-bottom-width:0.75pt; padding-right:5.03pt; padding-left:5.03pt; vertical-align:top">
                            <p style="margin-top:0pt; margin-bottom:0pt; text-align:center; font-size:12pt"><font style="font-family:'Times New Roman'">5555 Kietzke Lane, Suite 100</font></p>
                            <p style="margin-top:0pt; margin-bottom:0pt; text-align:center; font-size:12pt"><font style="font-family:'Times New Roman'">Reno, Nevada</font></p>
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                            <p style="margin-top:0pt; margin-bottom:0pt; text-align:center; font-size:12pt"><font style="font-family:'Times New Roman'">&#xa0;</font></p>
                            <p style="margin-top:0pt; margin-bottom:0pt; text-align:center; font-size:12pt"><font style="font-family:'Times New Roman'">89511</font></p>
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            <p style="margin-top:0pt; margin-bottom:0pt; text-align:center; font-size:14pt"><font style="font-family:'Times New Roman'; font-weight:bold">Notes</font></p>
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            <p style="margin-top:0pt; margin-bottom:0pt; text-align:center; font-size:10pt"><font style="font-family:'Times New Roman'; color:#ff0000">&#xa0;</font></p>
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                <p style="margin-top:0pt; margin-bottom:0pt; text-align:center; font-size:12pt"><a name="EDGAR_HF_F_START_1"></a><font style="font-family:'Times New Roman'">1</font></p>
                <p style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"><a name="EDGAR_HF_F_END_2"></a><font style="font-family:'Times New Roman'; -aw-import:ignore">&#xa0;</font></p>
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            <p style="margin-top:0pt; margin-bottom:0pt; text-align:center; font-size:12pt"><font style="font-family:'Times New Roman'; font-weight:bold; text-decoration:underline">FORM T-1</font></p>
            <p style="margin-top:0pt; margin-bottom:0pt; font-size:11pt"><font style="font-family:'Times New Roman'">&#xa0;</font></p>
            <p style="margin-top:0pt; margin-left:25.2pt; margin-bottom:0pt; text-indent:-25.2pt; font-size:12pt"><font style="font-family:'Times New Roman'; font-weight:bold">Item 1.</font><font style="font-family:'Times New Roman'">&#xa0;&#xa0;&#xa0;&#xa0;&#xa0; </font><font style="font-family:'Times New Roman'; font-weight:bold">GENERAL INFORMATION</font><font style="font-family:'Times New Roman'; font-weight:bold; font-style:italic">.</font><font style="font-family:'Times New Roman'">&#xa0; </font><font style="font-family:'Times New Roman'">Furnish the following information as to the Trustee.</font></p>
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            <p style="margin-top:0pt; margin-left:79.2pt; margin-bottom:0pt; text-indent:-25.2pt; font-size:12pt"><font style="font-family:'Times New Roman'">a)</font><font style="font-family:'Times New Roman'; font-style:italic">Name and address of each examining or supervising authority to which it is subject.</font></p>
            <p style="margin-top:0pt; margin-left:36pt; margin-bottom:0pt; text-indent:-36pt; font-size:12pt"><font style="font-family:'Times New Roman'">Comptroller of the Currency</font></p>
            <p style="margin-top:0pt; margin-left:36pt; margin-bottom:0pt; text-indent:-36pt; font-size:12pt"><font style="font-family:'Times New Roman'">Washington, D.C.</font></p>
            <p style="margin-top:0pt; margin-left:25.2pt; margin-bottom:0pt; text-indent:-25.2pt; font-size:12pt"><font style="font-family:'Times New Roman'">&#xa0;</font></p>
            <p style="margin-top:0pt; margin-left:25.2pt; margin-bottom:0pt; text-indent:-25.2pt; font-size:12pt"><font style="font-family:'Times New Roman'">b)</font><font style="font-family:'Times New Roman'; font-style:italic">Whether it is authorized to exercise corporate trust powers.</font><font style="font-family:'Times New Roman'"> </font></p>
            <p style="margin-top:0pt; margin-bottom:0pt; text-indent:36pt; font-size:12pt"><font style="font-family:'Times New Roman'">Yes</font></p>
            <p style="margin-top:0pt; margin-left:25.2pt; margin-bottom:0pt; text-indent:-25.2pt; font-size:12pt"><font style="font-family:'Times New Roman'">&#xa0;</font></p>
            <p style="margin-top:0pt; margin-left:54pt; margin-bottom:0pt; text-indent:-54pt; font-size:12pt"><font style="font-family:'Times New Roman'; font-weight:bold">Item 2.</font><font style="font-family:'Times New Roman'; font-weight:bold">&#xa0;&#xa0;&#xa0;&#xa0; </font><font style="font-family:'Times New Roman'; font-weight:bold">AFFILIATIONS WITH OBLIGOR. </font><font style="font-family:'Times New Roman'; font-weight:bold; font-style:italic">&#xa0;</font><font style="font-family:'Times New Roman'; font-style:italic">If the obligor is an affiliate of the Trustee, describe each such affiliation.</font></p>
            <p style="margin-top:0pt; margin-left:36pt; margin-bottom:0pt; text-indent:-36pt; font-size:12pt"><font style="font-family:'Times New Roman'">None</font></p>
            <p style="margin-top:0pt; margin-left:25.2pt; margin-bottom:0pt; text-indent:-25.2pt; font-size:12pt"><font style="font-family:'Times New Roman'">&#xa0;</font></p>
            <p style="margin-top:0pt; margin-left:72pt; margin-bottom:0pt; text-indent:-72pt; font-size:12pt"><font style="font-family:'Times New Roman'; font-weight:bold">Items 3-15</font><font style="font-family:'Times New Roman'; font-style:italic">Items 3-15 are not applicable because to the best of the Trustee&#39;s knowledge, the obligor is not in default under any Indenture for which the Trustee acts as Trustee.</font></p>
            <p style="margin-top:0pt; margin-left:25.2pt; margin-bottom:0pt; text-indent:-25.2pt; font-size:12pt"><font style="font-family:'Times New Roman'">&#xa0;</font></p>
            <p style="margin-top:0pt; margin-left:54pt; margin-bottom:0pt; text-indent:-54pt; font-size:12pt"><font style="font-family:'Times New Roman'; font-weight:bold">Item 16.</font><font style="font-family:'Times New Roman'; font-weight:bold">&#xa0;&#xa0;&#xa0;&#xa0; </font><font style="font-family:'Times New Roman'; font-weight:bold">LIST OF EXHIBITS:</font><font style="font-family:'Times New Roman'"> </font><font style="font-family:'Times New Roman'; font-style:italic">&#xa0;</font><font style="font-family:'Times New Roman'; font-style:italic">List below all exhibits filed as a part of this statement of eligibility and qualification. </font></p>
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            <p style="margin-top:0pt; margin-left:72pt; margin-bottom:0pt; text-indent:-72pt; font-size:12pt"><font style="font-family:'Times New Roman'">1.</font><font style="font-family:'Times New Roman'">&#xa0;&#xa0; </font><font style="font-family:'Times New Roman'">A copy of the Articles of Association of the Trustee.*</font></p>
            <p style="margin-top:0pt; margin-left:36pt; margin-bottom:0pt; text-indent:-36pt; font-size:12pt"><font style="font-family:'Times New Roman'">&#xa0;</font></p>
            <p style="margin-top:0pt; margin-left:72pt; margin-bottom:0pt; text-indent:-72pt; font-size:12pt"><font style="font-family:'Times New Roman'">2.</font><font style="font-family:'Times New Roman'">&#xa0;&#xa0; </font><font style="font-family:'Times New Roman'">A copy of the certificate of authority of the Trustee to commence business, attached as Exhibit 2.</font></p>
            <p style="margin-top:0pt; margin-left:36pt; margin-bottom:0pt; text-indent:-36pt; font-size:12pt"><font style="font-family:'Times New Roman'">&#xa0;</font></p>
            <p style="margin-top:0pt; margin-left:72pt; margin-bottom:0pt; text-indent:-72pt; font-size:12pt"><font style="font-family:'Times New Roman'">3.A copy of the certificate of authority of the Trustee to exercise corporate trust powers, attached as Exhibit 3.</font></p>
            <p style="margin-top:0pt; margin-left:36pt; margin-bottom:0pt; text-indent:-36pt; font-size:12pt"><font style="font-family:'Times New Roman'">&#xa0;</font></p>
            <p style="margin-top:0pt; margin-left:72pt; margin-bottom:0pt; text-indent:-72pt; font-size:12pt"><font style="font-family:'Times New Roman'">4.A copy of the existing bylaws of the Trustee.**</font></p>
            <p style="margin-top:0pt; margin-left:72pt; margin-bottom:0pt; text-indent:-72pt; font-size:12pt"><font style="font-family:'Times New Roman'">&#xa0;</font></p>
            <p style="margin-top:0pt; margin-left:72pt; margin-bottom:0pt; text-indent:-72pt; font-size:12pt"><font style="font-family:'Times New Roman'">5.A copy of each Indenture referred to in Item 4.</font><font style="font-family:'Times New Roman'">&#xa0; </font><font style="font-family:'Times New Roman'">Not applicable.</font></p>
            <p style="margin-top:0pt; margin-left:36pt; margin-bottom:0pt; text-indent:-36pt; font-size:12pt"><font style="font-family:'Times New Roman'">&#xa0;</font></p>
            <p style="margin-top:0pt; margin-left:72pt; margin-bottom:0pt; text-indent:-72pt; font-size:12pt"><font style="font-family:'Times New Roman'">6.The consent of the Trustee required by Section 321(b) of the Trust Indenture Act of 1939, attached as Exhibit 6.</font></p>
            <p style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"><font style="font-family:'Times New Roman'">&#xa0;</font></p>
            <p style="margin-top:0pt; margin-left:72pt; margin-bottom:0pt; text-indent:-72pt; font-size:12pt"><font style="font-family:'Times New Roman'">7.Report of Condition of the Trustee as of September 30, 2019 published pursuant to law or the requirements of its supervising or examining authority, attached as Exhibit 7.</font></p>
            <p style="margin-top:0pt; margin-left:36pt; margin-bottom:0pt; text-indent:-36pt; font-size:12pt"><font style="font-family:'Times New Roman'">&#xa0;</font></p>
            <p style="margin-top:0pt; margin-left:36pt; margin-bottom:0pt; text-indent:-36pt; font-size:12pt"><font style="font-family:'Times New Roman'">* Incorporated by reference to Exhibit 25.1 to Amendment No. 2 to registration statement on S-4, Registration Number 333-128217 filed on November 15, 2005.</font></p>
            <p style="margin-top:0pt; margin-left:36pt; margin-bottom:0pt; text-indent:-36pt; font-size:12pt"><font style="font-family:'Times New Roman'">&#xa0;</font></p>
            <p style="margin-top:0pt; margin-left:36pt; margin-bottom:0pt; text-indent:-36pt; font-size:12pt"><font style="font-family:'Times New Roman'">** Incorporated by reference to Exhibit 25.1 to registration statement on form S-3ASR,</font><font style="font-family:'Times New Roman'">&#xa0; </font><font style="font-family:'Times New Roman'">Registration Number 333-199863 filed on November 5, 2014.</font><a name="EDGAR_PAGE_END2"></a></p>
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                <p style="margin-top:0pt; margin-bottom:0pt; text-align:center; font-size:12pt"><a name="EDGAR_HF_F_START_1"></a><font style="font-family:'Times New Roman'">2</font></p>
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            <p style="margin-top:0pt; margin-left:36pt; margin-bottom:0pt; text-indent:-36pt; font-size:12pt"><a name="EDGAR_PAGE_START3"></a><font style="font-family:'Times New Roman'">&#xa0;</font></p>
            <p style="margin-top:0pt; margin-bottom:0pt; text-align:justify; font-size:12pt"><font style="font-family:'Times New Roman'">&#xa0;</font></p>
            <p style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"><font style="font-family:'Times New Roman'">&#xa0;</font></p>
            <p style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"><font style="font-family:'Times New Roman'">&#xa0;</font></p>
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            <p style="margin-top:0pt; margin-bottom:0pt; text-align:center; font-size:12pt"><font style="font-family:'Times New Roman'; font-weight:bold">SIGNATURE</font></p>
            <p style="margin-top:0pt; margin-left:36pt; margin-bottom:0pt; text-indent:-36pt; text-align:center; font-size:12pt"><font style="font-family:'Times New Roman'">&#xa0;</font></p>
            <p style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"><font style="font-family:'Times New Roman'">Pursuant to the requirements of the Trust Indenture Act of 1939, as amended, the Trustee, U.S. BANK NATIONAL ASSOCIATION</font><font style="font-family:'Times New Roman'; font-size:10pt">, </font><font style="font-family:'Times New Roman'">a national banking association organized and existing under the laws of the United States of America, has duly caused this statement of eligibility and qualification to be signed on its behalf by the undersigned, thereunto duly authorized, all in the City of Chicago, State of Illinois on the 10th of January 2020.</font></p>
            <p style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"><font style="font-family:'Times New Roman'">&#xa0;</font></p>
            <p style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"><font style="font-family:'Times New Roman'">By:</font><font style="font-family:'Times New Roman'; text-decoration:underline">/s/ Jose A. Galarza</font><font style="font-family:'Times New Roman'; text-decoration:underline">&#xa0; </font><font style="font-family:'Times New Roman'; text-decoration:underline">________</font></p>
            <p style="margin-top:0pt; margin-left:180pt; margin-bottom:0pt; text-indent:36pt; font-size:12pt"><font style="font-family:'Times New Roman'">Jose A. Galarza</font></p>
            <p style="margin-top:0pt; margin-left:180pt; margin-bottom:0pt; text-indent:36pt; font-size:12pt"><font style="font-family:'Times New Roman'">Vice President </font></p>
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            <p style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"><font style="font-family:'Times New Roman'">&#xa0;</font></p>
            <p style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"><a name="EDGAR_PAGE_END3"></a><font style="font-family:'Times New Roman'">&#xa0;</font></p>
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                <p style="margin-top:0pt; margin-bottom:0pt; text-align:center; font-size:12pt"><a name="EDGAR_HF_F_START_1"></a><font style="font-family:'Times New Roman'">3</font></p>
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            <p style="margin-top:0pt; margin-bottom:0pt; text-align:center; font-size:12pt"><font style="font-family:'Times New Roman'; font-weight:bold; text-decoration:underline">Exhibit 2</font></p>
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            <p style="margin-top:0pt; margin-bottom:0pt; text-align:center; font-size:12pt"><font style="font-family:'Times New Roman'; font-weight:bold">&#xa0;</font></p>
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            <p style="margin-top:0pt; margin-bottom:0pt; text-align:center; font-size:12pt"><a name="EDGAR_PAGE_START5"></a><font style="font-family:'Times New Roman'; font-weight:bold; text-decoration:underline">Exhibit 3</font></p>
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            <p style="margin-top:0pt; margin-bottom:0pt; text-align:center; font-size:12pt"><font style="font-family:'Times New Roman'; font-weight:bold">&#xa0;</font></p>
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            <br>
                <p style="margin-top:0pt; margin-bottom:0pt; text-align:center; font-size:12pt"><a name="EDGAR_HF_F_START_1"></a><font style="font-family:'Times New Roman'">5</font></p>
                <p style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"><a name="EDGAR_HF_F_END_2"></a><font style="font-family:'Times New Roman'; -aw-import:ignore">&#xa0;</font></p>
            <br>
        </div>
        </div>
        <div style="page-break-before:always; clear:both;">
        <div class="header" style="clear:both">
            <br>
        </div>
            <p style="margin-top:0pt; margin-bottom:0pt; text-align:center; font-size:12pt"><a name="EDGAR_PAGE_START6"></a><font style="font-family:'Times New Roman'; font-weight:bold; text-decoration:underline">Exhibit 6</font></p>
            <p style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"><font style="font-family:'Times New Roman'; font-weight:bold">&#xa0;</font></p>
            <p style="margin-top:0pt; margin-bottom:0pt; text-align:center; font-size:12pt"><font style="font-family:'Times New Roman'; font-weight:bold">CONSENT</font></p>
            <p style="margin-top:0pt; margin-bottom:0pt; text-align:center; font-size:12pt"><font style="font-family:'Times New Roman'">&#xa0;</font></p>
            <p style="margin-top:0pt; margin-bottom:0pt; text-align:justify; font-size:12pt"><font style="font-family:'Times New Roman'">&#xa0;</font></p>
            <p style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"><font style="font-family:'Times New Roman'">In accordance with Section 321(b) of the Trust Indenture Act of 1939, the undersigned, U.S. BANK NATIONAL ASSOCIATION hereby consents that reports of examination of the undersigned by Federal, State, Territorial or District authorities may be furnished by such authorities to the Securities and Exchange Commission upon its request therefor.</font></p>
            <p style="margin-top:0pt; margin-bottom:0pt; text-align:justify; font-size:12pt"><font style="font-family:'Times New Roman'">&#xa0;</font></p>
            <p style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"><font style="font-family:'Times New Roman'">&#xa0;</font></p>
            <p style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"><font style="font-family:'Times New Roman'">Dated: January 10, 2020</font></p>
            <p style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"><font style="font-family:'Times New Roman'">&#xa0;</font></p>
            <p style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"><font style="font-family:'Times New Roman'">&#xa0;</font></p>
            <p style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"><font style="font-family:'Times New Roman'">By:</font><font style="font-family:'Times New Roman'; text-decoration:underline">/s/ Jose A. Galarza_________</font></p>
            <p style="margin-top:0pt; margin-left:180pt; margin-bottom:0pt; text-indent:36pt; font-size:12pt"><font style="font-family:'Times New Roman'">Jose A. Galarza</font></p>
            <p style="margin-top:0pt; margin-left:180pt; margin-bottom:0pt; text-indent:36pt; font-size:12pt"><font style="font-family:'Times New Roman'">Vice President </font></p>
            <p style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"><font style="font-family:'Times New Roman'">&#xa0;</font></p>
            <p style="margin-top:0pt; margin-bottom:0pt; text-align:justify; font-size:12pt"><font style="font-family:'Times New Roman'">&#xa0;</font></p>
            <p style="margin-top:0pt; margin-bottom:0pt; text-align:justify; font-size:12pt"><font style="font-family:'Times New Roman'">&#xa0;</font></p>
            <p style="margin-top:0pt; margin-bottom:0pt; text-indent:36pt; font-size:12pt"><font style="font-family:'Times New Roman'">&#xa0;</font></p>
        <div class="footer" style="clear:both">
            <br>
                <p style="margin-top:0pt; margin-bottom:0pt; text-align:center; font-size:12pt"><a name="EDGAR_HF_F_START_1"></a><font style="font-family:'Times New Roman'">6</font></p>
                <p style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"><a name="EDGAR_HF_F_END_2"></a><font style="font-family:'Times New Roman'; -aw-import:ignore">&#xa0;</font></p>
            <br>
        </div>
        </div>
        <div style="page-break-before:always; clear:both;">
        <div class="header" style="clear:both">
            <br>
        </div>
            <p style="margin-top:0pt; margin-bottom:0pt; text-align:center; font-size:12pt"><a name="EDGAR_PAGE_START7"></a><font style="font-family:'Times New Roman'; font-weight:bold; text-decoration:underline">Exhibit 7</font></p>
            <p style="margin-top:0pt; margin-bottom:0pt; text-align:center; font-size:12pt"><font style="font-family:'Times New Roman'; font-weight:bold">U.S. Bank National Association</font></p>
            <p style="margin-top:0pt; margin-bottom:0pt; text-align:center; font-size:12pt"><font style="font-family:'Times New Roman'; font-weight:bold">Statement of Financial Condition</font></p>
            <h1 style="margin-top:0pt; margin-bottom:0pt; text-align:center; page-break-after:avoid; font-size:11pt"><font style="font-family:'Times New Roman'">As of 9/30/2019</font></h1>
            <p style="margin-top:0pt; margin-bottom:0pt; text-align:center; font-size:12pt"><font style="font-family:'Times New Roman'">&#xa0;</font></p>
            <div style="text-align:center">
            <table cellspacing="0" cellpadding="0" style="width:439.35pt; margin-right:auto; margin-left:auto; border-collapse:collapse; text-align:left">
                <tr style="height:15.75pt">
                        <td colspan="3" style="width:428.55pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:bottom">
                            <p style="margin-top:0pt; margin-bottom:0pt; text-align:center; font-size:12pt"><font style="font-family:'Times New Roman'; font-weight:bold">($000&#39;s)</font></p>
                        </td>
                    </tr>
                    <tr style="height:15.75pt">
                        <td style="width:340.95pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:bottom">
                            <p style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"><font style="font-family:'Times New Roman'">&#xa0;</font></p>
                        </td>
                        <td style="width:6pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:bottom">
                            <p style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"><font style="font-family:'Times New Roman'">&#xa0;</font></p>
                        </td>
                        <td style="width:60pt; border-bottom-style:solid; border-bottom-width:0.75pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:bottom">
                            <p style="margin-top:0pt; margin-bottom:0pt; text-align:center; font-size:12pt"><font style="font-family:'Times New Roman'; font-weight:bold">9/30/2019</font></p>
                        </td>
                    </tr>
                    <tr style="height:15.75pt">
                        <td style="width:340.95pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:bottom">
                            <p style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"><font style="font-family:'Times New Roman'; font-weight:bold">Assets</font></p>
                        </td>
                        <td style="width:6pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:bottom">
                            <p style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"><font style="font-family:'Times New Roman'">&#xa0;</font></p>
                        </td>
                        <td style="width:60pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:bottom">
                            <p style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"><font style="font-family:'Times New Roman'">&#xa0;</font></p>
                        </td>
                    </tr>
                    <tr style="height:14.85pt">
                        <td style="width:340.95pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:bottom">
                            <p style="margin-top:0pt; margin-bottom:0pt; text-indent:24pt; font-size:12pt"><font style="font-family:'Times New Roman'">Cash and Balances Due From Depository Institutions</font></p>
                        </td>
                        <td style="width:6pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:bottom">
                            <p style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"><font style="font-family:'Times New Roman'">$</font></p>
                        </td>
                        <td style="width:60pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:bottom">
                            <p style="margin-top:0pt; margin-bottom:0pt; text-align:right; font-size:12pt"><font style="font-family:'Times New Roman'">15,112,079</font></p>
                        </td>
                    </tr>
                    <tr style="height:15.75pt">
                        <td style="width:340.95pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:bottom">
                            <p style="margin-top:0pt; margin-bottom:0pt; text-indent:24pt; font-size:12pt"><font style="font-family:'Times New Roman'">Securities</font></p>
                        </td>
                        <td style="width:6pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:bottom">
                            <p style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"><font style="font-family:'Times New Roman'">&#xa0;</font></p>
                        </td>
                        <td style="width:60pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:bottom">
                            <p style="margin-top:0pt; margin-bottom:0pt; text-align:right; font-size:12pt"><font style="font-family:'Times New Roman'">119,318,592</font></p>
                        </td>
                    </tr>
                    <tr style="height:15.75pt">
                        <td style="width:340.95pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:bottom">
                            <p style="margin-top:0pt; margin-bottom:0pt; text-indent:24pt; font-size:12pt"><font style="font-family:'Times New Roman'">Federal Funds</font></p>
                        </td>
                        <td style="width:6pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:bottom">
                            <p style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"><font style="font-family:'Times New Roman'">&#xa0;</font></p>
                        </td>
                        <td style="width:60pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:bottom">
                            <p style="margin-top:0pt; margin-bottom:0pt; text-align:right; font-size:12pt"><font style="font-family:'Times New Roman'">3,649,142</font></p>
                        </td>
                    </tr>
                    <tr style="height:15.75pt">
                        <td style="width:340.95pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:bottom">
                            <p style="margin-top:0pt; margin-bottom:0pt; text-indent:24pt; font-size:12pt"><font style="font-family:'Times New Roman'">Loans &amp; Lease Financing Receivables</font></p>
                        </td>
                        <td style="width:6pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:bottom">
                            <p style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"><font style="font-family:'Times New Roman'">&#xa0;</font></p>
                        </td>
                        <td style="width:60pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:bottom">
                            <p style="margin-top:0pt; margin-bottom:0pt; text-align:right; font-size:12pt"><font style="font-family:'Times New Roman'">295,082,725</font></p>
                        </td>
                    </tr>
                    <tr style="height:15.75pt">
                        <td style="width:340.95pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:bottom">
                            <p style="margin-top:0pt; margin-bottom:0pt; text-indent:24pt; font-size:12pt"><font style="font-family:'Times New Roman'">Fixed Assets</font></p>
                        </td>
                        <td style="width:6pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:bottom">
                            <p style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"><font style="font-family:'Times New Roman'">&#xa0;</font></p>
                        </td>
                        <td style="width:60pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:bottom">
                            <p style="margin-top:0pt; margin-bottom:0pt; text-align:right; font-size:12pt"><font style="font-family:'Times New Roman'">6,645,121</font></p>
                        </td>
                    </tr>
                    <tr style="height:15.75pt">
                        <td style="width:340.95pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:bottom">
                            <p style="margin-top:0pt; margin-bottom:0pt; text-indent:24pt; font-size:12pt"><font style="font-family:'Times New Roman'">Intangible Assets</font></p>
                        </td>
                        <td style="width:6pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:bottom">
                            <p style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"><font style="font-family:'Times New Roman'">&#xa0;</font></p>
                        </td>
                        <td style="width:60pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:bottom">
                            <p style="margin-top:0pt; margin-bottom:0pt; text-align:right; font-size:12pt"><font style="font-family:'Times New Roman'">12,676,922</font></p>
                        </td>
                    </tr>
                    <tr style="height:15.75pt">
                        <td style="width:340.95pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:bottom">
                            <p style="margin-top:0pt; margin-bottom:0pt; text-indent:24pt; font-size:12pt"><font style="font-family:'Times New Roman'">Other Assets</font></p>
                        </td>
                        <td style="width:6pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:bottom">
                            <p style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"><font style="font-family:'Times New Roman'">&#xa0;</font></p>
                        </td>
                        <td style="width:60pt; border-bottom-style:solid; border-bottom-width:0.75pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:bottom">
                            <p style="margin-top:0pt; margin-bottom:0pt; text-align:right; font-size:12pt"><font style="font-family:'Times New Roman'">24,909,024</font></p>
                        </td>
                    </tr>
                    <tr style="height:15.75pt">
                        <td style="width:340.95pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:bottom">
                            <p style="margin-top:0pt; margin-bottom:0pt; text-indent:24pt; font-size:12pt"><font style="font-family:'Times New Roman'; font-weight:bold">Total Assets</font></p>
                        </td>
                        <td style="width:6pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:bottom">
                            <p style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"><font style="font-family:'Times New Roman'; font-weight:bold">$</font></p>
                        </td>
                        <td style="width:60pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:bottom">
                            <p style="margin-top:0pt; margin-bottom:0pt; text-align:right; font-size:12pt"><font style="font-family:'Times New Roman'; font-weight:bold">477,393,605</font></p>
                        </td>
                    </tr>
                    <tr style="height:15.75pt">
                        <td style="width:340.95pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:bottom">
                            <p style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"><font style="font-family:'Times New Roman'">&#xa0;</font></p>
                        </td>
                        <td style="width:6pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:bottom">
                            <p style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"><font style="font-family:'Times New Roman'">&#xa0;</font></p>
                        </td>
                        <td style="width:60pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:bottom">
                            <p style="margin-top:0pt; margin-bottom:0pt; text-align:right; font-size:12pt"><font style="font-family:'Times New Roman'">&#xa0;</font></p>
                        </td>
                    </tr>
                    <tr style="height:15.75pt">
                        <td style="width:340.95pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:bottom">
                            <p style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"><font style="font-family:'Times New Roman'; font-weight:bold">Liabilities</font></p>
                        </td>
                        <td style="width:6pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:bottom">
                            <p style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"><font style="font-family:'Times New Roman'">&#xa0;</font></p>
                        </td>
                        <td style="width:60pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:bottom">
                            <p style="margin-top:0pt; margin-bottom:0pt; text-align:right; font-size:12pt"><font style="font-family:'Times New Roman'">&#xa0;</font></p>
                        </td>
                    </tr>
                    <tr style="height:15.75pt">
                        <td style="width:340.95pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:bottom">
                            <p style="margin-top:0pt; margin-bottom:0pt; text-indent:24pt; font-size:12pt"><font style="font-family:'Times New Roman'">Deposits</font></p>
                        </td>
                        <td style="width:6pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:bottom">
                            <p style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"><font style="font-family:'Times New Roman'">$</font></p>
                        </td>
                        <td style="width:60pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:bottom">
                            <p style="margin-top:0pt; margin-bottom:0pt; text-align:right; font-size:12pt"><font style="font-family:'Times New Roman'">372,420,581</font></p>
                        </td>
                    </tr>
                    <tr style="height:15.75pt">
                        <td style="width:340.95pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:bottom">
                            <p style="margin-top:0pt; margin-bottom:0pt; text-indent:24pt; font-size:12pt"><font style="font-family:'Times New Roman'">Fed Funds</font></p>
                        </td>
                        <td style="width:6pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:bottom">
                            <p style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"><font style="font-family:'Times New Roman'">&#xa0;</font></p>
                        </td>
                        <td style="width:60pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:bottom">
                            <p style="margin-top:0pt; margin-bottom:0pt; text-align:right; font-size:12pt"><font style="font-family:'Times New Roman'">1,053,008</font></p>
                        </td>
                    </tr>
                    <tr style="height:15.75pt">
                        <td style="width:340.95pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:bottom">
                            <p style="margin-top:0pt; margin-bottom:0pt; text-indent:24pt; font-size:12pt"><font style="font-family:'Times New Roman'">Treasury Demand Notes</font></p>
                        </td>
                        <td style="width:6pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:bottom">
                            <p style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"><font style="font-family:'Times New Roman'">&#xa0;</font></p>
                        </td>
                        <td style="width:60pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:bottom">
                            <p style="margin-top:0pt; margin-bottom:0pt; text-align:right; font-size:12pt"><font style="font-family:'Times New Roman'">-</font></p>
                        </td>
                    </tr>
                    <tr style="height:15.75pt">
                        <td style="width:340.95pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:bottom">
                            <p style="margin-top:0pt; margin-bottom:0pt; text-indent:24pt; font-size:12pt"><font style="font-family:'Times New Roman'">Trading Liabilities</font></p>
                        </td>
                        <td style="width:6pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:bottom">
                            <p style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"><font style="font-family:'Times New Roman'">&#xa0;</font></p>
                        </td>
                        <td style="width:60pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:bottom">
                            <p style="margin-top:0pt; margin-bottom:0pt; text-align:right; font-size:12pt"><font style="font-family:'Times New Roman'">991,966</font></p>
                        </td>
                    </tr>
                    <tr style="height:15.75pt">
                        <td style="width:340.95pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:bottom">
                            <p style="margin-top:0pt; margin-bottom:0pt; text-indent:24pt; font-size:12pt"><font style="font-family:'Times New Roman'">Other Borrowed Money</font></p>
                        </td>
                        <td style="width:6pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:bottom">
                            <p style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"><font style="font-family:'Times New Roman'">&#xa0;</font></p>
                        </td>
                        <td style="width:60pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:bottom">
                            <p style="margin-top:0pt; margin-bottom:0pt; text-align:right; font-size:12pt"><font style="font-family:'Times New Roman'">33,643,638</font></p>
                        </td>
                    </tr>
                    <tr style="height:15.75pt">
                        <td style="width:340.95pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:bottom">
                            <p style="margin-top:0pt; margin-bottom:0pt; text-indent:24pt; font-size:12pt"><font style="font-family:'Times New Roman'">Acceptances</font></p>
                        </td>
                        <td style="width:6pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:bottom">
                            <p style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"><font style="font-family:'Times New Roman'">&#xa0;</font></p>
                        </td>
                        <td style="width:60pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:bottom">
                            <p style="margin-top:0pt; margin-bottom:0pt; text-align:right; font-size:12pt"><font style="font-family:'Times New Roman'">-</font></p>
                        </td>
                    </tr>
                    <tr style="height:15.75pt">
                        <td style="width:340.95pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:bottom">
                            <p style="margin-top:0pt; margin-bottom:0pt; text-indent:24pt; font-size:12pt"><font style="font-family:'Times New Roman'">Subordinated Notes and Debentures</font></p>
                        </td>
                        <td style="width:6pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:bottom">
                            <p style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"><font style="font-family:'Times New Roman'">&#xa0;</font></p>
                        </td>
                        <td style="width:60pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:bottom">
                            <p style="margin-top:0pt; margin-bottom:0pt; text-align:right; font-size:12pt"><font style="font-family:'Times New Roman'">3,850,000</font></p>
                        </td>
                    </tr>
                    <tr style="height:15.75pt">
                        <td style="width:340.95pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:bottom">
                            <p style="margin-top:0pt; margin-bottom:0pt; text-indent:24pt; font-size:12pt"><font style="font-family:'Times New Roman'">Other Liabilities</font></p>
                        </td>
                        <td style="width:6pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:bottom">
                            <p style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"><font style="font-family:'Times New Roman'">&#xa0;</font></p>
                        </td>
                        <td style="width:60pt; border-bottom-style:solid; border-bottom-width:0.75pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:bottom">
                            <p style="margin-top:0pt; margin-bottom:0pt; text-align:right; font-size:12pt"><font style="font-family:'Times New Roman'">15,002,550</font></p>
                        </td>
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                    <tr style="height:15.75pt">
                        <td style="width:340.95pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:bottom">
                            <p style="margin-top:0pt; margin-bottom:0pt; text-indent:24pt; font-size:12pt"><font style="font-family:'Times New Roman'; font-weight:bold">Total Liabilities</font></p>
                        </td>
                        <td style="width:6pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:bottom">
                            <p style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"><font style="font-family:'Times New Roman'; font-weight:bold">$</font></p>
                        </td>
                        <td style="width:60pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:bottom">
                            <p style="margin-top:0pt; margin-bottom:0pt; text-align:right; font-size:12pt"><font style="font-family:'Times New Roman'; font-weight:bold">426,961,743</font></p>
                        </td>
                    </tr>
                    <tr style="height:15.75pt">
                        <td style="width:340.95pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:bottom">
                            <p style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"><font style="font-family:'Times New Roman'">&#xa0;</font></p>
                        </td>
                        <td style="width:6pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:bottom">
                            <p style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"><font style="font-family:'Times New Roman'">&#xa0;</font></p>
                        </td>
                        <td style="width:60pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:bottom">
                            <p style="margin-top:0pt; margin-bottom:0pt; text-align:right; font-size:12pt"><font style="font-family:'Times New Roman'">&#xa0;</font></p>
                        </td>
                    </tr>
                    <tr style="height:15.75pt">
                        <td style="width:340.95pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:bottom">
                            <p style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"><font style="font-family:'Times New Roman'; font-weight:bold">Equity</font></p>
                        </td>
                        <td style="width:6pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:bottom">
                            <p style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"><font style="font-family:'Times New Roman'">&#xa0;</font></p>
                        </td>
                        <td style="width:60pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:bottom">
                            <p style="margin-top:0pt; margin-bottom:0pt; text-align:right; font-size:12pt"><font style="font-family:'Times New Roman'">&#xa0;</font></p>
                        </td>
                    </tr>
                    <tr style="height:15.75pt">
                        <td style="width:340.95pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:bottom">
                            <p style="margin-top:0pt; margin-bottom:0pt; text-indent:24pt; font-size:12pt"><font style="font-family:'Times New Roman'">Common and Preferred Stock</font></p>
                        </td>
                        <td style="width:6pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:bottom">
                            <p style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"><font style="font-family:'Times New Roman'">&#xa0;</font></p>
                        </td>
                        <td style="width:60pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:bottom">
                            <p style="margin-top:0pt; margin-bottom:0pt; text-align:right; font-size:12pt"><font style="font-family:'Times New Roman'">18,200</font></p>
                        </td>
                    </tr>
                    <tr style="height:15.75pt">
                        <td style="width:340.95pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:bottom">
                            <p style="margin-top:0pt; margin-bottom:0pt; text-indent:24pt; font-size:12pt"><font style="font-family:'Times New Roman'">Surplus</font></p>
                        </td>
                        <td style="width:6pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:bottom">
                            <p style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"><font style="font-family:'Times New Roman'">&#xa0;</font></p>
                        </td>
                        <td style="width:60pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:bottom">
                            <p style="margin-top:0pt; margin-bottom:0pt; text-align:right; font-size:12pt"><font style="font-family:'Times New Roman'">14,266,915</font></p>
                        </td>
                    </tr>
                    <tr style="height:15.75pt">
                        <td style="width:340.95pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:bottom">
                            <p style="margin-top:0pt; margin-bottom:0pt; text-indent:24pt; font-size:12pt"><font style="font-family:'Times New Roman'">Undivided Profits</font></p>
                        </td>
                        <td style="width:6pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:bottom">
                            <p style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"><font style="font-family:'Times New Roman'">&#xa0;</font></p>
                        </td>
                        <td style="width:60pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:bottom">
                            <p style="margin-top:0pt; margin-bottom:0pt; text-align:right; font-size:12pt"><font style="font-family:'Times New Roman'">35,346,037</font></p>
                        </td>
                    </tr>
                    <tr style="height:15.75pt">
                        <td style="width:340.95pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:bottom">
                            <p style="margin-top:0pt; margin-bottom:0pt; text-indent:24pt; font-size:12pt"><font style="font-family:'Times New Roman'">Minority Interest in Subsidiaries</font></p>
                        </td>
                        <td style="width:6pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:bottom">
                            <p style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"><font style="font-family:'Times New Roman'">&#xa0;</font></p>
                        </td>
                        <td style="width:60pt; border-bottom-style:solid; border-bottom-width:0.75pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:bottom">
                            <p style="margin-top:0pt; margin-bottom:0pt; text-align:right; font-size:12pt"><font style="font-family:'Times New Roman'">800,710</font></p>
                        </td>
                    </tr>
                    <tr style="height:15.75pt">
                        <td style="width:340.95pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:bottom">
                            <p style="margin-top:0pt; margin-bottom:0pt; text-indent:48pt; font-size:12pt"><font style="font-family:'Times New Roman'; font-weight:bold">Total Equity Capital</font></p>
                        </td>
                        <td style="width:6pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:bottom">
                            <p style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"><font style="font-family:'Times New Roman'; font-weight:bold">$</font></p>
                        </td>
                        <td style="width:60pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:bottom">
                            <p style="margin-top:0pt; margin-bottom:0pt; text-align:right; font-size:12pt"><font style="font-family:'Times New Roman'; font-weight:bold">50,431,862</font></p>
                        </td>
                    </tr>
                    <tr style="height:15.75pt">
                        <td style="width:340.95pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:bottom">
                            <p style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"><font style="font-family:'Times New Roman'">&#xa0;</font></p>
                        </td>
                        <td style="width:6pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:bottom">
                            <p style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"><font style="font-family:'Times New Roman'">&#xa0;</font></p>
                        </td>
                        <td style="width:60pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:bottom">
                            <p style="margin-top:0pt; margin-bottom:0pt; text-align:right; font-size:12pt"><font style="font-family:'Times New Roman'">&#xa0;</font></p>
                        </td>
                    </tr>
                    <tr style="height:15.75pt">
                        <td style="width:340.95pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:bottom">
                            <p style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"><font style="font-family:'Times New Roman'; font-weight:bold">Total Liabilities and Equity Capital</font></p>
                        </td>
                        <td style="width:6pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:bottom">
                            <p style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"><font style="font-family:'Times New Roman'; font-weight:bold">$</font></p>
                        </td>
                        <td style="width:60pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:bottom">
                            <p style="margin-top:0pt; margin-bottom:0pt; text-align:right; font-size:12pt"><font style="font-family:'Times New Roman'; font-weight:bold">477,393,605</font></p>
                        </td>
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<SEQUENCE>7
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end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>8
<FILENAME>image2.jpg
<DESCRIPTION>US BANK
<TEXT>
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end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>11
<FILENAME>image5.jpg
<DESCRIPTION>AMERCO LOGO
<TEXT>
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end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
