vacation vehicle rental operations,

BUSINESS SUMMARY Home | Reservations | Rates & Models | Tours | About EagleRider | Locations | Shop EagleRider | Franchise Introduction F ounded in July 1992, EagleRider has since become the world's largest motorcycle rental and touring company that has defined a unique, high growth niche market for itself: Marketing the "American Dream" to destination minded vacationers, businessmen and motorcyclists. EagleRider provides a full service Harley-Davidson Motorcycle/powersport rental and tour resource that caters to international and domestic motorcycle enthusiasts and aficionados. Over 120,000 EagleRider customers have enjoyed the ultimate vacation adventure by touring the United States, Europe and Mexico on the "Rolls Royce" of the motorcycle world, the prestigious Harley-Davidson. EagleRider is more than just a vehicle rental agency; it is a recreation and tourist organization that is pioneering a new industry, motorcycle tourism. T oday, EagleRider , Inc. has already built a fleet of well over 2000 Harley-Davidson motorcycles out of its 35 worldwide rental facilities. In addition, EagleRider is the single largest purchaser of new model motorcycles from Harley-Davidson Motor Company. EagleRider offers the complete Harley-Davidson model line and other manufactures through a global marketing network of tour operators, travel agents, airlines and travel wholesalers. The Company is positioned for rapid growth by extending its domestic and international marketing reach to include new rental operations in high demand tourist destinations and metropolitan areas in North America, Europe and Australia. T he success of the company is due primarily to the targeted marketing concept underlying the business plan. After extensive market research, EagleRider has discovered success in tailoring a custom motorcycle/powersport rental and tour service to the new and emerging audience of middle class achievers. This market segment consists of people who are searching for reasonably priced adventure vacations that allow for exploration and discovery of a destination. This lucrative target market is looking for the new, the fun and exciting holiday. M ost of the world's vacationing population treats their annual respite not as three weeks at home relaxing, but as an opportunity to explore the world and to enjoy some of the culture not available to them at home. To them a vacation is not just a haphazard excursion a few miles from home. They plan their vacations in exquisite detail and they relish the opportunity for something new. Think of Malcolm Forbes touring China with friends on a fleet of Harleys! His group went to great expense to ship their favorite vehicles to China in order to tour an interesting destination in a way not possible with any other mode of travel. T hat same enthusiasm is shared by a large proportion of the world's population who regularly take "destination vacations" and business trips that offer the diversion of "mini vacations". Not only are there businessmen worldwide dedicated to Harley-Davidson motorcycles and to motorcycle touring, but the enthusiasm is shared by millions from all walks of life. These enthusiasts dream of the opportunity to tour the USA on their Harleys but, unlike Malcolm Forbes, find the logistics and costs prohibitive. EagleRider caters to this market segment, affording them the opportunity to experience an American vacation while experiencing the " American Dream ". Executive Management: C hris McIntyre, Jeff Brown, and Peter Wurmer, the executive management team of EagleRider and long time Harley-Davidson owners and enthusiasts, conceived the business as a natural extension of their own personal interests and marketing expertise. They invested more than ten years in the research of market potential, demographics, structure, and distribution. During this time they evaluated and planned all of the logistics and operational problems to be overcome, established and nurtured key strategic relationships for business development, and assembled a team of professional partners and managers experienced in all facets of the business: vacation vehicle rental operations, vehicle maintenance, vacation promotion and marketing, and legal resources. Marketing and Demographics: T he Company has developed an extensive marketing network of international and domestic tour operators, wholesalers, and business partners in the travel, entertainment and vacation service industry. These business partners are contractually committed to promote and market the EagleRider Harley-Davidson rental and tour programs. For this travel season, the Company is featured prominently in more than 650 different full color travel and vacation publications, amounting to over 50 million copies, which are distributed as promotional materials to tour operators, travel agents and adventure travel enthusiasts throughout the World. EagleRider ’s promotional infrastructure via the international tour operators and wholesale business partners are on an equivalent scale to car rental companies such as Hertz or Avis. Customer Demographics & Destinations: T he typical EagleRider customer is a 39 year old professional male who enjoys the outdoors and traveling the world. Destinations for EagleRider customers vary greatly but are generally focused around recognized tourist destinations that offer beautiful weather and a scenic setting for motorcycle touring. EagleRider customers usually plan routes that include national parks, historic trails, and famous metropolitan areas. Any city that maintains high tourist traffic and easy access to an international airport is likely to be a successful EagleRider business location. Company Growth Plans: G rowth plans for the Company include the expansion of corporate and franchise rental locations around the world. The EagleRider , Inc. business plan projects new store expansion to eventually top 500 rental showrooms that will be located in virtually every popular vacation destination in the world. To achieve EagleRider 's aggressive expansion goals, new business segments and profit centers will be implemented in most locations. Current profit centers include but are not limited to rentals, tours, motorcycles service, sales, parts, accessories, and clothing. The EagleRider Adventure Rental Program business segment expansion includes recreational rental vehicles such as Personal Watercraft, ATV, Off-Road Motorcycles (Dirt Bikes), Snowmobiles, and Motor Scooters. I n addition to its full line of late-model Harley-Davidson motorcycles, the Adventure Rental Program has recently been introduced in many EagleRider locations. EagleRider has also formed strategic alliances with companies such as Suntrek tours, Optims, Orbitz, Travelocity and many more. Already the world leader in motorcycle rentals, EagleRider plans to become the most recognized adventure and recreational & powersport rental and motorcycle tour company in the world.

Mobile home insurance developed

American Association of Insurance Services This article appeared in the Summer 2004 Vol. 29, No. 1 issue of Viewpoint. BACK TO VIEWPOINT ARTICLES Manufactured Housing A new term does not eliminate old distinctions Precise use of language is essential in insurance underwriting. Unfortunately, people in other fields can sometimes adopt terminology that can be misleading for property/casualty professionals. Residential property insurers have long understood the distinction between site-built (or stick-built) homes constructed at permanent locations, and mobile (or trailer) homes constructed in factories and hauled to a site. That distinction in how homes are constructed leads to different property loss experience for site-built and mobile homes, and provides the basis for the separate Homeowners and Mobile-Homeowners insurance programs offered by AAIS. Beyond the loss experience, however, standardized homeowners and mobile-homeowners programs are very similar. AAIS uses largely identical forms in both. Confusion can arise, however, when the term manufactured housing is used to identify mobile homes, as the mobile home industry has done in recent years. That term was adopted by mobile home trade groups to improve the image of mobile homes and reflect the enhanced size and features offered in today's mobile homes. Manufactured housing, however, also refers to modular housing, residences constructed from modules that are assembled in manufacturing facilities, shipped to permanent locations, and permanently affixed to a foundation and adjoining modules. Modules can arrive at a site completely pre-assembled, with plumbing and wiring included. Manufactured housing, therefore, encompasses structures ranging from million-dollar estate homes to traditional trailers. Beyond that, virtually all new residential construction has some manufactured elements. What is happening is that all new dwellings have some degree of pre-assembly, says Tom Underwood, president and COO of Utility Body Works, Elkhart, Ind., a mobile home manufacturer. Even stick-built structures have trusses that are pre-assembled. It used to be that everything was either stick-built or a mobile home. Now there's more of a continuum. While that may be true for residential construction techniques, the old distinction between site-built and mobile homes still appears to be valid for property insurance purposes. The challenge is to make sure that residences are properly classified. Mobile homes stand apart Mobile homes have long been defined as a unique subset of owner-occupied residences, and that is still the case. For example, American Modern Insurance Group, a carrier that specializes in insuring manufactured housing, defines a mobile home to be a factory-built structure at least eight feet in length that is constructed on its own chassis. According to Jerry Wachter, vice president for manufactured housing, the requirement that the structure be built on its own chassis ensures that a mobile home policy cannot be written to cover other types of manufactured housing. The American Modern definition of a mobile home explicitly includes expansions and additions to mobile homes, as well as fixtures. The purpose, says Wachter, is to allow for the full range of possibilities in modern mobile homes, without applying mobile home coverage to structures that have different loss characteristics. A fire safety study conducted by Foremost Insurance, Grand Rapids, Mich., indicated that the fire rate for mobile homes was less than that for site-built homes. The better fire rate is attributed in part to implementation of a national building code by the U.S. Dept. of Housing and Urban Development (HUD) in the 1970s. Mobile homes are more susceptible to windstorm loss, however. As the American Modern definition suggests, there are three characteristics that can be used to define a mobile home: Off-site construction in a factory setting; Construction on its own chassis; and Construction to HUD building standards, as opposed to local building codes. Does method matter? As for establishing other categories of manufactured housing for insurance purposes, there is little evidence of statistically significant distinctions in loss experience between modular and completely site-built homes. Modular homes are treated the same as site-built homes in terms of financing and insurance, says Bruce Savage, spokesman for the Manufactured Housing Institute. I'm not aware of any statistics showing they perform (in loss situations) differently than site-built homes. Also, modular housing must generally be built to standards in local building codes, even if the modules are constructed out of state. The growth in modular construction would not be possible without widespread use of standardized building codes. Thus, when a carrier receives an application for a manufactured home, the first order of business is to determine if it meets the characteristics of a mobile home. Many manufactured homes would be better classified with site-built homes. The construction of the residence--frame, masonry, etc.--will, of course, be a key factor in determining the premium, but there is no indication to date that the method of construction, in itself, alters the risk. (As a practical matter, most manufactured homes that are not mobile homes will be frame construction.) Enduring distinction Property/casualty professionals accustomed to using identical forms to write homeowners and mobile-homeowners coverage may be surprised to learn how differently the two lines started out. Mobile home insurance developed from the identity of mobile homes as chattel property rather than real property, says Wachter of American Modern. Early trailer homes had axles with wheels and could be literally hauled away at a moment's notice. Given the character of early mobile homes, the insurance policy [covering a mobile home] was really a takeoff on auto physical damage coverage, Wachter says. That steadily changed as mobile homes came to be permanently affixed at locations and developed risk characteristics similar to those of site-built homes. For decades now, the basic, broad, special, and limited perils forms, as well as the personal liability sections, have been largely identical in the AAIS Homeowners and Mobile-Homeowners Programs. The persistence of distinct homeowners and mobile-homeowners programs lies in two related factors: rating and valuation of structures. Perhaps the last vestige of the original auto character of mobile homes is the fact that their structures depreciate faster than they accumulate real estate value, if they accumulate any real value at all. With mobile homes, the depreciation is greater than the growth in replacement cost, says Werner Kruck, executive vice president of American Superior Ins. Co., Plantation, Fla., a company that specializes in residential property insurance. With traditional site-built homes, replacement cost usually grows faster than the depreciation of the home. Replacement cost Every student of insurance learns that the market value of a home should not be confused with replacement cost, but it frequently is because mortgage lenders often insist that residential property insurance be written to cover the balance on a mortgage loan. Also, the appreciation in market value has often been considered a factor in calculating replacement cost, the assumption being that the cost of living drives the cost of construction. Whatever the reason, depreciation is rarely a major consideration in home owners insurance, except for older homes in areas with relatively low real estate values. For that reason, replacement cost loss settlement, with a coinsurance requirement, is a standard feature of most homeowners policies written in the U.S. Standard homeowners forms explicitly state, however, that replacement cost terms do not apply to mobile homes, whether or not on a permanent foundation, but without otherwise defining the term mobile home. Actual cash value loss settlement automatically applies to mobile homes; replacement cost settlement, if desired, must be added by endorsement. 'Gap' coverage In practice, the underwriting of a replacement cost endorsement on a mobile home policy is analogous to the underwriting of gap coverage on a personal auto, says Jeffrey Holaway, AAIS manager of personal lines pricing. According to Holaway, car owners frequently buy coverage that will pay what it costs to replace a vehicle that has been effectively destroyed, even if the amount of insurance exceeds the book value of the vehicle being insured. Replacement cost coverage for a mobile home is written on a stated value basis in some states, says Kruck. This raises the possibility that an owner can collect an insurance payment for a total loss, replace the damaged home with a used one at less cost, and pocket the rest of the money. Apart from the settlement terms, the distinction between homeowners and mobile-homeowners insurance lies in the distinction between loss costs for the two lines, and subsequently the information used to rate policies. Insurers should be cautious about applying loss costs derived from mobile home experience to manufactured housing that may be more appropriately classified with site-built housing. Joseph Harrington Editor Christi DeBrock Design Reprinting Viewpoint Articles Articles generally may be reproduced, provided the appropriate credit is given and a copy is sent to the Editor. For details, please call or write. Viewpoint welcomes your comments. Write us at: American Association of Insurance Services 1745 S. Naperville Road | Wheaton, IL 60187-8132 630-681-8347 | 800-564-AAIS | Fax 630-681-8356 Phone: 630-681-8347 | Fax: 630-681-8356 e-mail: info@aaisonline.com Top

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Fleetwood RV, a leading

Newsroom: Press Release Welcome! [sign in to access My Fleetwood] My Fleetwood Luxury Coaches American Heritage American Eagle American Tradition Diesel Coaches Revolution Revolution LE Excursion Providence Discovery Bounder Diesel Expedition Gas Motor Homes Pace Arrow Southwind Bounder Flair Storm Terra Fiesta Mini Motor Homes Tioga Tioga SL Tioga SLX Jamboree Jamboree GT Jamboree GTX Travel Trailers Triumph Pride Terry Prowler Wilderness Mallard Pioneer Pegasus Orbit Toy Haulers GearBox Nitrous Hyperlite RedLine Folding Camping Trailers Destiny Americana Highlander Scorpion Evolution Element Media Resource Center Fleetwood Celebrates the 15TH Anniversary of American Coach 11-28-05 Fleetwood RV, a leading manufacturer of recreational vehicles, today announced the 15th anniversary of its American Coach line of Class A luxury vehicles that includes the Heritage, Eagle, and Tradition brands. To mark the milestone, Fleetwood is releasing the units with enhanced features that retain the luxury and style for which American Coach is known. American Coach offers several enhancements on its 2006 units, one of which is a new quadruple slide floor plan for the Heritage. The bedroom slideout incorporates part of the bathroom creating a spacious residential-style room reminiscent of a luxury hotel suite. The 2006 Heritage also features touch screen monitors and controls, 42" Sony® HD plasma flat panel monitor with remote, state-of-the-art home theater system with four speakers, Flexsteel leather furniture, and a wine rack and glassware storage cabinet. The customer can also choose between a 525 or 600-horsepower diesel engine, both designed for a comfortable and powerful drive. In upgrading the 2006 Eagle and Tradition models, Fleetwood has once again listened to feedback from customers and dealers. The 2006 Eagle boasts spacious 82” ceilings and interior amenities such as a computer-programmed Harmony universal remote control with one-button operation of A/V functions, an etched-glass enclosed shower and optional Villa Furniture. Exterior features include security vision with two cameras, chrome “bus-like” heated mirrors with remote adjustment, and gelcoat fiberglass exterior sidewalls. The 2006 Tradition features six exterior graphics choices applied with durable DuPont exterior body paint and a standard 400-horsepower diesel engine for more driving power. It also includes a bedroom wall safe, keyless remote entry and five interior décors with four available interior wood finishes. Other features include a solid surface countertop and backsplash with spill-proof edge, optional built-in dishwasher, 12-cubic-foot side-by-side refrigerator, and a digital satellite system. All American Coach products boast exclusive Fleetwood features such as independent front suspension with a 55-degree turning radius, a wide entry door with “doggy” window, and solid construction based on an all-steel Liberty Chassis with electro-coated platform. “Our customers’ loyalty to American Coach drives our dedication to provide the most luxurious options and customizations that further enhance their RVing experience,” said Chris Braun, Executive Vice President for Fleetwood RV. “We value the feedback we receive from our customers, whose suggestions have made our American Coach products the innovative and luxurious RVs they are today.” Base MSRP for the 2006 Tradition is $269,605. Base MSRP for the 2006 Eagle is $331,100 and base MSRP for the 2006 Heritage is $590,730. For more information on these exciting new offerings or any other Fleetwood RV product, please call 877-308-7644 or visit www.fleetwoodrv.com. About Fleetwood Enterprises Fleetwood RV is a division of Fleetwood Enterprises, Inc. (NYSE:FLE), a leading manufacturer of recreational vehicles and a leading producer of manufactured housing. Fleetwood’s recreational vehicle line includes motor homes, travel trailers, fifth wheels and folding trailers. Fleetwood RV products are distributed through a nationwide network of more than 1,200 dealers. For more information on Fleetwood Enterprises, visit our website at www.fleetwood.com or call 1-800-322-8216. « Media Center Home Home | Contact Us | Owners Clubs | Plant Tours | Your Privacy | About this Site Fleetwood RV Store | Fleetwood.com | Employment | Website Feedback

RV Buyer's Guide website,

UFCU: What RV Is Right For You? UNIVERSITY FEDERAL CREDIT UNION ACCESS ONLINE BANKING ( learn more | sign up ) Home | Contact | Sitemap | Print Page | Graphics Version ACCOUNTS | LOANS | RATES | BUSINESS SERVICES | INVESTMENTS | INSURANCE | LOCATIONS & ATMS | OTHER SERVICES | JOIN US -- Trusted Advisor Remar's Report Wheels 101 Boat Guide RV Guide Developing a Budget What RV Is Right For You? New Or Used? Safety and Reliability Getting the Best Financing Getting The Best Price Registration And Insurance Issues Safe Driving Planning Trips Maintenance Dollarsmart -- Personal Finance Family Guide Repair Guides Your Credit About Your Credit Union Upcoming Member Education Seminars Privacy & Fraud Prevention Consumer Advice Breaking News Archive Home : Other Services : Trusted Advisor : RV Guide : What RV Is Right For You? What RV Is Right For You? If you already enjoy RVing, you probably know the answer to this question. However, if you are new to RV travel, then you may not know just what type and size motorhome, travel trailer or camper will meet your recreational goals -- or fit your budget. The tips and sites below can help you consider the options. A tip if you are not yet an RVer: Rent before you buy. After some basic research about types of RVs and particular models that fit your goals and budget, why not do a real test drive of the type RV you're thinking about buying? Take it for a weekend or other short road trip. Make sure you are comfortable driving, maneuvering and living in the RV. You might even consider going to an RV rally where you can meet RV owners and learn from them. You'll find the RV community friendly, outgoing and welcoming. Here are some sites that can help you locate companies that rent RVs. rvNetLinx lists many rental companies around the world. Each link indicates the company's location. RV America Rental Resources lists resources by state. RVzone.com lists rental companies from around the world. What type of RV is right for you and your family? These two websites offer definitions of each class of RV. Brief descriptions, pictures, average size, and price range are among the details provided. Selecting the RV type that's right for you from RVNetLinx.com What is an RV? from rvamerica.com Tips on selecting RVs. Before you start looking at RVs, reading these overviews might help you focus your review. From the RV Buyer's Guide website, Shopping Around gives tips on ways to explore RV options and RV Planning Worksheet puts many factors you need to consider in selecting an RV in a handy checklist form. Where they ask about budget, you've already figured your Available Cash using the calculator . RVing 101 provides a selection of articles written by RV owners for prospective or new RV owners. It's from rvclub.com, a membership organization of RV owners. Take a quick tour of RVs, from the small to the extra deluxe. Browse through some websites to preview the enormous selection of RVs, new and used, that are available right now. We recommend making a note of RVs you particularly like, new and used, that are within 20-25% (above and below) of your Available Cash figure. An alphabetical list of RV Manufacturers with links to their websites from RV Buyer's guide Another set of links to RV Manufacturers from rvNetLinx.com: A-L and M-X rvtraderonline.com allows you to browse used RVs by type and make, year range, and location. RV-online allows you to select the type of RV and browse the list sorted by size, price, or location. RVregistry.com allows you to browse the listings of used RVs. What about RV shows and rallies? When you have a general idea of the type, size and model RVs that fit your recreational and travel goals, attending an RV show or rally can give you an opportunity to give the RVs a hands-on inspection. Before heading out, you might want to think about "new or used" and the "safety and reliability" of the RVs you like -- issues discussed in this Guide's next two sections. The following sites can help you locate nearby RV shows and rallies. The Camping Source provides a list of upcoming RV shows around the U.S and Canada. The Canadian Recreational Vehicle Association lists RV shows and sales in Canada. RV Events/RV Shows from rvadvice.com are listed by state and country. Texas Boomers RV Group , a club of Texas-based RV owners, provides information on some rallies in and near Texas. Related Links: Loan Rates Apply Online -- -- © 2000-2006 University Federal Credit Union • PO Box 9350 • Austin, TX 78766-9350 Austin: (512) 467-8080 • Galveston: (409) 797-3300 • Toll-free: (800) 252-8311 or e-mail • Privacy Policy BBBOnLine | NCUA | Equal Housing Opportunity