A topic from AEG's L5R CCG Rules forum, copied for Oracle of the Void from a copy of the forum saved in October 2015, so pages it didn't save are missing. Players' names are left out; the rules officials are named. Rulings are as they stood on these dates; later rulings, the rulebooks and the Rules Archive may differ.
A player, 17 March 2015
Can Mirumoto Touya's Fear 4 target a personality with Followers? Does the "legal" clause prevent it?
Iaijutsu Battle: Touya challenges a target enemy Personality. The winner creates Fear 4 targeting a (legal) card in the loser's unit (there is no effect in a tie).
Jon Palmer (rules official), 23 March 2015
Can Mirumoto Touya's Fear 4 target a personality with Followers? Does the "legal" clause prevent it?
Iaijutsu Battle: Touya challenges a target enemy Personality. The winner creates Fear 4 targeting a (legal) card in the loser's unit (there is no effect in a tie).
The reminder text is there to show that it must follow all normal targeting rules (i.e. it cannot hit a Personality with followers). This differs from a card like Oneiyara, which specifically targets the Personality and therefore bypasses normal targeting restrictions.