U-Haul Holding Co NV
For the period ended Mar 31, 2025. Filed May 29, 2025.
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A company's yearly report to the SEC, with audited financial statements. It is the fullest account a company gives of its business, its finances and the risks it sees.
FY2025 · Filed May 29, 2025
UHAL$56.74-0.2%Stored close · as of Nov 10, 2026
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Item 15. Exhibits; Financial Statement Schedules
The following documents are filed as part of this Annual Report:
| Page | ||
| 1 | Consolidated Financial Statements: | |
| Report of Independent Registered Public Accounting Firm (Deloitte & Touche LLP; Tempe, Arizona; PCAOB ID#34) | F-1 | |
| Report of Independent Registered Public Accounting Firm (BDO USA, P.C., Phoenix, AZ, PCAOB ID#243) | F-3 | |
| Consolidated Balance Sheets - March 31, 2025 and 2024 | F-4 | |
| Consolidated Statements of Operations - Years Ended March 31, 2025, 2024, and 2023 | F-5 | |
| Consolidated Statements of Comprehensive Income (Loss) - Years Ended March 31, 2025, 2024, and 2023 | F-6 | |
| Consolidated Statements of Changes in Stockholders' Equity - Years Ended March 31, 2025, 2024, and 2023 | F-7 | |
| Consolidated Statements of Cash Flows - Years Ended March 31, 2025, 2024, and 2023 | F-8 | |
| Notes to Consolidated Financial Statements | F-10 | |
| 2 | Financial Statement Schedules required to be filed by Item 8: | |
| Schedule II - U-Haul Holding Company and Consolidated Subsidiaries Valuation and Qualifying Accounts | F-58 | |
| Schedule V - U-Haul Holding Company and Consolidated Subsidiaries Supplemental Information (For Property-Casualty Insurance Operations) | F-59 | |
All other schedules are omitted because they are not required, inapplicable, or the information is otherwise shown in the consolidated financial statements or notes thereto.
Exhibits:
| ExhibitNumber | Description | Page or Method of Filing |
| 3.1 | Amended and Restated Articles of Incorporation of U-Haul Holding Company | Incorporated by reference to U-Haul Holding Company’s Current Report on Form 8-K filed on June 9, 2016, file no. 1-11255 |
| 3.2 | U-Haul Holding Company Certificate of Designation of Series N Non-Voting Common Stock | Incorporated by reference to the Company’s Registration Statement on Form 8-A filed on October 24, 2022, file no. 1-11255 |
| 3.3 | Restated Bylaws of U-Haul Holding Company | Incorporated by reference to U-Haul Holding Company’s Current Report on Form 8-K filed on December 19, 2022, file no. 1-11255 |
| 3.4 | Articles of Conversion/Exchange/Merger | Incorporated by reference to the Company’s Current Report on Form 8-K filed on December 19, 2022, file no. 1-11255 |
| 4.1 | U-Haul Investors Club Base Indenture, dated February 14, 2011 by and between U-Haul Holding Company and U. S. Bank National Association | Incorporated by reference to U-Haul Holding Company’s Current Report on Form 8-K, filed on February 22, 2011, file no. 1-11255 |
| 4.2 | Fourth Supplemental Indenture, dated March 15, 2011, by and among U-Haul Holding Company and U.S. Bank National Association | Incorporated by reference to U-Haul Holding Company’s Current Report on Form 8-K, filed on March 22, 2011, file no. 1-11255 |
| 4.3 | Tenth Supplemental Indenture, dated June 7, 2011 by and between U-Haul Holding Company and U.S. Bank National Association | Incorporated by reference to U-Haul Holding Company’s Current Report on Form 8-K, filed on June 23, 2011, file no. 1-11255 |
| 4.4 | Twelfth Supplemental Indenture dated June 14, 2011 by and between U-Haul Holding Company and U.S. Bank National Association | Incorporated by reference to U-Haul Holding Company’s Current Report on Form 8-K, filed on June 23, 2011, file no. 1-11255 |
| 4.5 | Eighteenth Supplemental Indenture dated January 7, 2012 by and between U-Haul Holding Company and U.S. Bank National Association | Incorporated by reference to U-Haul Holding Company’s Current Report on Form 8-K, filed on March 26, 2012, file no. 1-11255 |
| 4.6 | Twentieth Supplemental Indenture dated September 4, 2012 by and between U-Haul Holding Company and U.S. Bank National Association | Incorporated by reference to U-Haul Holding Company’s Current Report on Form 8-K, filed on September 4, 2012, file no. 1-11255 |
| 4.7 | Twenty-first Supplemental Indenture dated January 15, 2013 by and between U-Haul Holding Company and U.S. Bank National Association | Incorporated by reference to U-Haul Holding Company’s Current Report on Form 8-K, filed on January 15, 2013, file no. 1-11255 |
| 4.8 | Twenty-third Supplemental Indenture, dated November 26, 2013 by and between U-Haul Holding Company and U.S. Bank National Association | Incorporated by reference to U-Haul Holding Company's Current Report on Form 8-K, filed on November 26, 2013, file no. 1-11255 |
| 4.9 | Twenty-fourth Supplemental Indenture, dated April 22, 2014 by and between U-Haul Holding Company and U.S. Bank National Association | Incorporated by reference to U-Haul Holding Company's Current Report on Form 8-K, filed on April 22, 2014, file no. 1-11255 |
| 4.10 | Twenty-sixth Supplemental Indenture, dated September 29, 2015 by and between U-Haul Holding Company and U.S. Bank National Association | Incorporated by reference to U-Haul Holding Company's Current Report on Form 8-K, filed on September 29, 2015, file no. 1-11255 |
| 4.11 | Twenty-seventh Supplemental Indenture, dated December 15, 2015 by and between U-Haul Holding Company and U.S. Bank National Association | Incorporated by reference to U-Haul Holding Company's Current Report on Form 8-K, filed on December 15, 2015, file no. 1-11255 |
| 4.12 | Twenty-eighth Supplemental Indenture, dated September 13, 2016 by and between U-Haul Holding Company and U.S. Bank National Association | Incorporated by reference to U-Haul Holding Company's Current Report on Form 8-K, filed on September 13, 2016, file no. 1-11255 |
| 4.13 | Thirty-first Supplemental Indenture, dated October 24, 2017 by and between U-Haul Holding Company and U.S. Bank National Association | Incorporated by reference to U-Haul Holding Company's Current Report on Form 8-K, filed on October 25, 2017, file no. 1-11255 |
| 4.14 | Amended and Restated Twenty-fifth Supplemental Indenture, dated August 28, 2018 by and between U-Haul Holding Company and U.S. Bank National Association | Incorporated by reference to U-Haul Holding Company's Current Report on Form 8-K, filed on August 28, 2018, file no. 1-11255 |
| 4.15 | Thirty-fifth Supplemental Indenture, dated March 7, 2019 by and between U-Haul Holding Company and U.S. Bank National Association | Incorporated by reference to U-Haul Holding Company's Current Report on Form 8-K, filed on March 7, 2019, file no. 1-11255 |
| 4.16 | Amended and Restated Thirty-third Supplemental Indenture, dated May 3, 2019 by and between U-Haul Holding Company and U.S. Bank National Association | Incorporated by reference to U-Haul Holding Company's Current Report on Form 8-K, filed on May 3, 2019, file no. 1-11255 |
| 4.17 | Amended and Restated Thirty-fourth Supplemental Indenture, dated May 3, 2019 by and between U-Haul Holding Company and U.S. Bank National Association | Incorporated by reference to U-Haul Holding Company's Current Report on Form 8-K, filed on May 3, 2019, file no. 1-11255 |
| 4.18 | Thirty-sixth Supplemental Indenture, dated May 3, 2019 by and between U-Haul Holding Company and U.S. Bank National Association | Incorporated by reference to U-Haul Holding Company's Current Report on Form 8-K, filed on May 3, 2019, file no. 1-11255 |
| 4.19 | Thirty-eighth Supplemental Indenture, dated February 18, 2020 by and between U-Haul Holding Company and U.S. Bank National Association | Incorporated by reference to U-Haul Holding Company's Current Report on Form 8-K, filed on February 18, 2020, file no. 1-11255 |
| 4.20 | Thirty-ninth, Supplemental Indenture, dated October 20, 2020 by and between U-Haul Holding Company and U.S Bank National Association | Incorporated by reference to U-Haul Holding Company's Current Report on Form 8-K, filed on October 20, 2020, file no. 1-11255 |
| 4.21 | Forty-first Supplemental Indenture, dated April 13, 2021 by and between U-Haul Holding Company and U.S Bank National Association | Incorporated by reference to U-Haul Holding Company's Current Report on Form 8-K, filed on April 13, 2021, file no. 1-11255 |
| 4.22 | Forty-second Supplemental Indenture, dated October 12, 2021, by and between U-Haul Holding Company and U.S. Bank National Association | Incorporated by reference to U-Haul Holding Company's Current Report on Form 8-K, filed on October 12, 2021, file no. 1-11255 |
| 4.23 | Forty-fourth Supplemental Indenture, dated May 10, 2022, by and between U-Haul Holding Company and U.S. Bank National Association | Incorporated by reference to U-Haul Holding Company's Current Report on Form 8-K, filed on May 10, 2022 file no. 1-11255 |
| 4.24 | Forty-fifth Supplemental Indenture, dated July 19, 2022, by and between U-Haul Holding Company and U.S. Bank National Association | Incorporated by reference to U-Haul Holding Company's Current Report on Form 8-K, filed on July 19, 2022, file no. 1-11255 |
| 4.25 | Forty-sixth Supplemental Indenture, dated September 27, 2022, by and between U-Haul Holding Company and U.S. Bank National Association | Incorporated by reference to U-Haul Holding Company's Current Report on Form 8-K, filed on September 27, 2022, file no. 1-11255 |
| 4.26 | Series UIC-9K, 10K, 11K, 12K, 13K, 14K and 15K Amendment to the Amendment to the Amended and Restated Forty-second Supplement Indenture and Pledge and Security Agreement dated September 27, 2022 by and between U-Haul Holding Company and U.S. Bank Trust Company, National Association as successor in interest to U. S Bank National Association, as trustee | Incorporated by reference to U-Haul Holding Company’s Current Report on Form 8-K, filed on September 27, 2022 file no. 1-11255. |
| 4.27 | Forty-seventh Supplemental Indenture, dated December 20, 2022, by and between U-Haul Holding Company and U.S. Bank National Association | Incorporated by reference to U-Haul Holding Company's Current Report on Form 8-K, filed on December 20, 2022, file no. 1-11255 |
| 4.28 | Forty-eighth Supplemental Indenture, dated February 21, 2023, by and between U-Haul Holding Company and U.S. Bank National Association | Incorporated by reference to U-Haul Holding Company's Current Report on Form 8-K, filed on February 21, 2023, file no. 1-11255 |
| 4.29 | Forty-ninth Supplement Indenture, dated April 23, 2024, by and between U-Haul Holding Company and U.S. Bank National Association | Incorporated by reference to U-Haul Holding Company's Current Report on Form 8-K, filed on April 23, 2024, file no. 1-11255 |
| 4.30 | Description of Registered Securities | Incorporated by reference to U-Haul Holding Company’s Annual Report on Form 10-K filed on June 1, 2023, file no. 1-11255 |
| 10.1 | Management Agreement between Four SAC Self-Storage Corporation and subsidiaries of U-Haul Holding Company | Incorporated by reference to U-Haul Holding Company’s Annual Report on Form 10-K for the year ended March 31, 1997, file no. 1-11255 |
| 10.2 | Management Agreement between Five SAC Self-Storage Corporation and subsidiaries of U-Haul Holding Company | Incorporated by reference to U-Haul Holding Company’s Annual Report on Form 10-K for the year ended March 31, 1999, file no. 1-11255 |
| 10.3 | Property Management Agreement | Incorporated by reference to U-Haul Holding Company’s Annual Report on Form 10-K for the year ended March 31, 2004, file no. 1-11255 |
| 10.4 | Amended and Restated Property Management Agreement among Eight SAC Self-Storage Corporation and subsidiaries of U-Haul International, Inc. | Incorporated by reference to U-Haul Holding Company’s Quarterly Report on Form 10-Q for the quarter ended September 30, 2007, file no. 1-11255 |
| 10.5 | Amended and Restated Property Management Agreement among Nine SAC Self-Storage Corporation and subsidiaries of U-Haul International, Inc. | Incorporated by reference to U-Haul Holding Company’s Quarterly Report on Form 10-Q for the quarter ended September 30, 2007, file no. 1-11255 |
| 10.6 | Amended and Restated Property Management Agreement among Ten SAC Self-Storage Corporation and subsidiaries of U-Haul International, Inc. | Incorporated by reference to U-Haul Holding Company’s Quarterly Report on Form 10-Q for the quarter ended September 30, 2007, file no. 1-11255 |
| 10.7 | Amended and Restated Property Management Agreement among Eleven SAC Self-Storage Corporation and Eleven SAC Self-Storage Odenton, Inc. and subsidiaries of U-Haul International, Inc. | Incorporated by reference to U-Haul Holding Company’s Quarterly Report on Form 10-Q for the quarter ended September 30, 2007, file no. 1-11255 |
| 10.8 | Amended and Restated Property Management Agreement among Twelve SAC Self-Storage Corporation and subsidiaries of U-Haul International, Inc. | Incorporated by reference to U-Haul Holding Company’s Quarterly Report on Form 10-Q for |
| the quarter ended September 30, 2007, file no. 1-11255 | ||
| 10.9 | Amended and Restated Property Management Agreement among Thirteen SAC Self-Storage Corporation and subsidiaries of U-Haul International, Inc. | Incorporated by reference to U-Haul Holding Company’s Quarterly Report on Form 10-Q for the quarter ended September 30, 2007, file no. 1-11255 |
| 10.10 | Amended and Restated Property Management Agreement among Fourteen SAC Self-Storage Corporation and subsidiaries of U-Haul International, Inc. | Incorporated by reference to U-Haul Holding Company’s Quarterly Report on Form 10-Q for the quarter ended September 30, 2007, file no. 1-11255 |
| 10.11 | Amended and Restated Property Management Agreement among Fifteen SAC Self-Storage Corporation and subsidiaries of U-Haul International, Inc. | Incorporated by reference to U-Haul Holding Company’s Quarterly Report on Form 10-Q for the quarter ended September 30, 2007, file no. 1-11255 |
| 10.12 | Amended and Restated Property Management Agreement among Sixteen SAC Self-Storage Corporation and subsidiaries of U-Haul International, Inc. | Incorporated by reference to U-Haul Holding Company’s Quarterly Report on Form 10-Q for the quarter ended September 30, 2007, file no. 1-11255 |
| 10.13 | Amended and Restated Property Management Agreement among Seventeen SAC Self-Storage Corporation and subsidiaries of U-Haul International, Inc. | Incorporated by reference to U-Haul Holding Company’s Quarterly Report on Form 10-Q for the quarter ended September 30, 2007, file no. 1-11255 |
| 10.14 | Amended and Restated Property Management Agreement among Eighteen SAC Self-Storage Corporation and subsidiaries of U-Haul International, Inc. | Incorporated by reference to U-Haul Holding Company’s Annual Report on Form 10-K for the year ended March 31, 2012, file no. 1-11255 |
| 10.15 | Amended and Restated Property Management Agreement among Twenty SAC Self-Storage Corporation and subsidiaries of U-Haul International, Inc. | Incorporated by reference to U-Haul Holding Company’s Annual Report on Form 10-K for the year ended March 31, 2012, file no. 1-11255 |
| 10.16 | Amended and Restated Property Management Agreement among Twenty-One SAC Self-Storage Corporation and subsidiaries of U-Haul International, Inc. | Incorporated by reference to U-Haul Holding Company’s Annual Report on Form 10-K for the year ended March 31, 2012, file no. 1-11255 |
| 10.17 | Amended and Restated Property Management Agreement among Twenty-Two SAC Self-Storage Corporation and subsidiaries of U-Haul International, Inc. | Incorporated by reference to U-Haul Holding Company’s Annual Report on Form 10-K for the year ended March 31, 2012, file no. 1-11255 |
| 10.18 | Amended and Restated Property Management Agreement among Twenty-Three SAC Self-Storage Corporation and subsidiaries of U-Haul International, Inc. | Incorporated by reference to U-Haul Holding Company’s Annual Report on Form 10-K for the year ended March 31, 2012, file no. 1-11255 |
| 10.19 | Amended and Restated Property Management Agreement among Twenty-Four SAC Self-Storage Corporation and subsidiaries of U-Haul International, Inc. | Incorporated by reference to U-Haul Holding Company’s Annual Report on Form 10-K for the year ended March 31, 2012, file no. 1-11255 |
| 10.20 | Amended and Restated Property Management Agreement among Twenty-Five SAC Self-Storage Corporation and subsidiaries of U-Haul International, Inc. | Incorporated by reference to U-Haul Holding Company’s Annual Report on Form 10-K for the year ended March 31, 2012, file no. 1-11255 |
| 10.21 | Amended and Restated Property Management Agreement among Twenty-Six SAC Self-Storage Corporation and subsidiaries of U-Haul International, Inc. | Incorporated by reference to U-Haul Holding Company’s Annual Report on Form 10-K for the year ended March 31, 2012, file no. 1-11255 |
| 10.22 | Amended and Restated Property Management Agreement among Twenty-Seven SAC Self-Storage Corporation and subsidiaries of U-Haul International, Inc. | Incorporated by reference to U-Haul Holding Company’s Annual Report on Form 10-K for the year ended March 31, 2012, file no. 1-11255 |
| 10.23 | Amended and Restated Property Management Agreement among Three-A SAC Self-Storage Corporation and subsidiaries of U-Haul International, Inc. | Incorporated by reference to U-Haul Holding Company’s Current Report on Form 8-K, filed on October 4, 2013, file no. 1-11255 |
| 10.24 | Amended and Restated Property Management Agreement among Three-B SAC Self-Storage Corporation and subsidiaries of U-Haul International, Inc. | Incorporated by reference to U-Haul Holding Company’s Current Report on Form 8-K, filed on October 4, 2013, file no. 1-11255 |
| 10.25 | Amended and Restated Property Management Agreement among Three-C SAC Self-Storage Corporation and subsidiaries of U-Haul International, Inc. | Incorporated by reference to U-Haul Holding Company’s Current Report on Form 8-K, filed on October 4, 2013, file no. 1-11255 |
| 10.26 | Amended and Restated Property Management Agreement among Three-D SAC Self-Storage Corporation and subsidiaries of U-Haul International, Inc. | Incorporated by reference to U-Haul Holding Company’s Current Report on Form 8-K, filed on October 4, 2013, file no. 1-11255 |
| 10.27 | Amended and Restated Property Management Agreement among Galaxy Storage One, LP and subsidiaries of U-Haul International, Inc. | Incorporated by reference to U-Haul Holding Company’s Current Report on Form 8-K, filed on October 4, 2013, file no. 1-11255 |
| 10.28 | U-Haul Dealership Contract Addendum | Incorporated by reference to U-Haul Holding Company’s Annual Report on Form 10-K for the year ended March 31, 2012, file no. 1-11255 |
| 10.29 | Loan Agreement, dated as of August 12, 2015 among U-Haul Co of Florida 8, LLC, U-Haul Co. of Florida 9, LLC, U-Haul Co. of Florida 10, UHIL 8, LLC, UHIL 9, LLC, UHIL 10, LLC, UHIL 13, LLC, AREC 8, LLC, AREC 9, LLC, AREC 10, LLC and AREC 13, LLC, each a Delaware limited liability company, collectively as Borrower, and Morgan Stanley Bank, N.A. and JP Morgan Chase Bank, National Association, collectively as Lender | Incorporated by reference to U-Haul Holding Company’s Current Report on Form 8-K, filed on August 14, 2015, file no. 1-11255 |
| 10.30 | Property Management Agreement dated December 11, 2014 between Three SAC Self-Storage Corporation and U-Haul Co. (Canada), Ltd | Incorporated by reference to U-Haul Holding Company’s Annual Report on Form 10-K for the year ended March 31, 2016, file no. 1-11255 |
| 10.31 | Property Management Agreement dated December 16, 2014 among Galaxy Storage Two, L.P. and certain subsidiaries of U-Haul Holding Company | Incorporated by reference to U-Haul Holding Company’s Annual Report on Form 10-K for the year ended March 31, 2016, file no. 1-11255 |
| 10.32 | Property Management Agreement dated June 25, 2015 among 2015 SAC Self-Storage, LLC and certain subsidiaries of U-Haul Holding Company | Incorporated by reference to U-Haul Holding Company’s Annual Report on Form 10-K for the year ended March 31, 2016, file no. 1-11255 |
| 10.33 | Property Management Agreement dated March 21, 2016 among Five SAC RW, LLC and certain subsidiaries of U-Haul Holding Company | Incorporated by reference to U-Haul Holding Company’s Annual Report on Form 10-K for the year ended March 31, 2016, file no. 1-11255 |
| 10.34 | Property Management Agreement among Six-SAC Self-Storage Corporation and certain subsidiaries of U-Haul International, Inc. | Incorporated by reference to U-Haul Holding Company’s Current Report on Form 8-K, filed on June 27, 2016, file no. 1-11255 |
| 10.35 | 2016 Stock Option Plan (Shelf Stock Option Plan)* | Incorporated by reference to Exhibit C to Definitive Proxy for the Special Meeting of Stockholders filed on April 20, 2016 |
| 10.36 | Credit Agreement, dated as of September 1, 2017 by and among U-Haul Holding Company, as the Borrower, Bank of America, N.A., as Agent for all Lenders, and the financial institutions party thereto from to time as, Lenders. | Incorporated by reference to U-Haul Holding Company’s Current Report on Form 8-K, filed on September 7, 2017, file no. 1-11255 |
| 10.37 | Template Dealership Contract | Incorporated by reference to U-Haul Holding Company’s Annual Report on Form 10-K for the year ended March 31, 2018, file no. 1-11255 |
| 10.38 | Amended and Restated U-Haul Holding Company Employee Savings and Profit and Sharing Plan* | Incorporated by reference to U-Haul Holding Company’s Annual Report on Form 10-K for the year ended March 31, 2018, file no. 1-11255 |
| 10.39 | Amendment to the Amended and Restated U-Haul Holding Company Employee Savings and Profit and Sharing Plan* | Incorporated by reference to U-Haul Holding Company’s Annual Report on Form 10-K for the year ended March 31, 2018, file no. 1-11255 |
| 10.40 | Amended and Restated U-Haul Holding Company Employee Stock Ownership Plan* | Incorporated by reference to U-Haul Holding Company’s Annual Report on Form 10-K for the year ended March 31, 2018, file no. 1-11255 |
| 10.41 | Amendment to the Amended and Restated U-Haul Holding Company Employee Stock Ownership Plan* | Incorporated by reference to U-Haul Holding Company’s Annual Report on Form 10-K for the year ended March 31, 2018, file no. 1-11255 |
| 10.42 | Note Purchase Agreement, dated September 29, 2021, among U-Haul Holding Company and the purchasers named therein. | Incorporated by reference to U-Haul Holding Company’s Current Report on Form 8-K, filed on October 4, 2021, file no. 1-11255 |
| 10.43 | Form of U-Haul Holding Company 2.43% Senior Note, Series A due September 30, 2029 | Incorporated by reference to U-Haul Holding Company’s Current Report on Form 8-K, filed on October 4, 2021, file no. 1-11255 |
| 10.44 | Form of U-Haul Holding Company 2.51% Senior Note, Series A due September 30, 2029 | Incorporated by reference to U-Haul Holding Company’s Current Report on Form 8-K, filed on October 4, 2021, file no. 1-11255 |
| 10.45 | Form of U-Haul Holding Company 2.63% Senior Note, Series A due September 30, 2029 | Incorporated by reference to U-Haul Holding Company’s Current Report on Form 8-K, filed on October 4, 2021, file no. 1-11255 |
| 10.46 | Form of U-Haul Holding Company 2.78% Senior Note, Series A due September 30, 2029 | Incorporated by reference to U-Haul Holding Company’s Current Report on Form 8-K, filed on October 4, 2021, file no. 1-11255 |
| 10.47 | Note Purchase Agreement, dated December 2, 2021, among U-Haul Holding Company and the purchasers named therein. | Incorporated by reference to U-Haul Holding Company’s Current Report on Form 8-K, filed on December 7, 2021, file no. 1-11255 |
| 10.48 | Form of U-Haul Holding Company 2.55% Senior Note, Series A due January 27, 2030 | Incorporated by reference to U-Haul Holding Company’s Current Report on Form 8-K, filed on December 7, 2021, file no. 1-11255 |
| 10.49 | Form of U-Haul Holding Company 2.60% Senior Note, Series B due January 27, 2031 | Incorporated by reference to U-Haul Holding Company’s Current Report on Form 8-K, filed on December 7, 2021, file no. 1-11255 |
| 10.50 | Form of U-Haul Holding Company 2.68% Senior Note, Series C due January 27, 2032 | Incorporated by reference to U-Haul Holding Company’s Current Report on Form 8-K, filed on December 7, 2021, file no. 1-11255 |
| 10.51 | Form of U-Haul Holding Company 2.73% Senior Note, Series D due January 27, 2033 | Incorporated by reference to U-Haul Holding Company’s Current Report on Form 8-K, filed on December 7, 2021, file no. 1-11255 |
| 10.52 | Form of U-Haul Holding Company 2.88% Senior Note, Series E due January 27, 2035 | Incorporated by reference to U-Haul Holding Company’s Current Report on Form 8-K, filed on December 7, 2021, file no. 1-11255 |
| 10.53 | Property Management Agreement among Mercury Storage 1-A, LLC and subsidiaries of U-Haul International, Inc. | Incorporated by reference to U-Haul Holding Company’s Annual Report on Form 10-K for the year ended March 31, 2024, file no. 1-11255 |
| 10.54 | Property Management Agreement among Mercury Storage 1-B, LLC and subsidiaries of U-Haul International, Inc. | Incorporated by reference to U-Haul Holding Company’s Annual Report on Form 10-K for the year ended March 31, 2024, file no. 1-11255 |
| 10.55 | Property Management Agreement among Mercury Storage 1-C, LLC and subsidiaries of U-Haul International, Inc. | Incorporated by reference to U-Haul Holding Company’s Annual Report on Form 10-K for the year ended March 31, 2024, file no. 1-11255 |
| 10.56 | Property Management Agreement among Mercury Storage 2, LLC and subsidiaries of U-Haul International, Inc. | Incorporated by reference to U-Haul Holding Company’s Annual Report on Form 10-K for the year ended March 31, 2024, file no. 1-11255 |
| 10.57 | Property Management Agreement among Mercury Storage 3, LLC and subsidiaries of U-Haul International, Inc. | Incorporated by reference to U-Haul Holding Company’s Annual Report on Form 10-K for the year ended March 31, 2024, file no. 1-11255 |
| 10.58 | Property Management Agreement among Mercury Storage 4, LLC and subsidiaries of U-Haul International, Inc. | Incorporated by reference to U-Haul Holding Company’s Annual Report on Form 10-K for the year ended March 31, 2024, file no. 1-11255 |
| 10.59 | Property Management Agreement among Mercury Storage 5, LLC and subsidiaries of U-Haul International, Inc. | Incorporated by reference to U-Haul Holding Company’s Annual Report on Form 10-K for the year ended March 31, 2024, file no. 1-11255 |
| 10.60 | Property Management Agreement among Mercury Storage 6, LLC and subsidiaries of U-Haul International, Inc. | Incorporated by reference to U-Haul Holding Company’s Annual Report on Form 10-K for the year ended March 31, 2024, file no. 1-11255 |
| 10.61 | Note Purchase Agreement, dated August 21, 2024, among U-Haul Holding Company and the purchasers named therein | Incorporated by reference to U-Haul Holding Company’s Current Report on Form 8-K filed on August 22, 2024, file no. 1-11255 |
| 10.62 | Form of U-Haul Holding Company 5.86% Senior Note, Series A due August 21, 2032 (included as part of exhibit 10.1) | Incorporated by reference to U-Haul Holding Company’s Current Report on Form 8-K filed on August 22, 2024, file no. 1-11255 |
| 10.63 | Form of U-Haul Holding Company 5.91% Senior Note, Series B due August 21, 2033 (included as part of exhibit 10.1) | Incorporated by reference to U-Haul Holding Company’s Current Report on Form 8-K filed on August 22, 2024, file no. 1-11255 |
| 10.64 | Form of U-Haul Holding Company 5.95% Senior Note, Series C due August 21, 2034 (included as part of exhibit 10.1) | Incorporated by reference to U-Haul Holding Company’s Current Report on Form 8-K filed on August 22, 2024, file no. 1-11255 |
| 10.65 | Form of U-Haul Holding Company 6.00% Senior Note, Series D due August 21, 2035 (included as part of exhibit 10.1) | Incorporated by reference to U-Haul Holding Company’s Current Report on Form 8-K filed on August 22, 2024, file no. 1-11255 |
| 14 | Code of Ethics | Incorporated by reference to Exhibit 14 of U-Haul Holding Company’s Annual Report on Form 10-K for the year ended March 31, 2023, file no. 1-11255 |
| 19 | Insider Trading Policies and Procedures | Included in Exhibit 14 |
| 21 | Subsidiaries of U-Haul Holding Company | Filed herewith |
| 23.1 | Consent of Deloitte & Touche LLP | Filed herewith |
| 23.2 | Consent of BDO USA, P.C. | Filed herewith |
| 24 | Power of Attorney | Refer to signature page |
| 31.1 | Rule 13a-14(a)/15d-14(a) Certificate of Edward J. Shoen, President and Chairman of the Board of U-Haul Holding Company | Filed herewith |
| 31.2 | Rule 13a-14(a)/15d-14(a) Certificate of Jason A. Berg, Chief Financial Officer of U-Haul Holding Company | Filed herewith |
| 32.1 | Certificate of Edward J. Shoen, President and Chairman of the Board of U-Haul Holding Company pursuant to Section 906 of the Sarbanes-Oxley Act of 2002 | Furnished herewith |
| 32.2 | Certificate of Jason A. Berg, Chief Financial Officer of U-Haul Holding Company pursuant to Section 906 of the Sarbanes-Oxley Act of 2002 | Furnished herewith |
| 97 | Policy for the Recovery of Erroneously Awarded Compensation | Incorporated by reference to U-Haul Holding Company’s Annual Report on Form 10-K for the year ended March 31, 2024, file no. 1-11255 |
| 101.INS | Inline XBRL Instance Document - the instance document does not appear in the Interactive Data file as its XBRL tags are embedded within the Inline XBRL Document. | Furnished herewith |
| 101.SCH | Inline XBRL Taxonomy Extension Schema with Embedded Linkbase Documents | Furnished herewith |
| 104 | Cover Page Interactive Data File (Embedded within the Inline XBRL document and included in Exhibit 101) |
- Indicates management plan or compensatory arrangement.
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