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Notice of Meeting – Master Trust Deed amendment

Scheme Meeting24 September 2023KPGReal Estate

NZX RELEASE
25 September 2023

Notice of Meeting - Master Trust Deed

amendment



Kiwi Property has provided NZX with a copy of its Notice of Meeting of holders of Bonds

maturing on 19 December 2024 (ticker code KPG030), 12 November 2025 (ticker code

KPG040) and 19 July 2028 (ticker code KPG050) (together, the Relevant Bonds).

The meeting will be held at 1pm on Friday, 20 October 2023 at Russell McVeagh, Level

30, Vero Centre, 48 Shortland Street, Auckland 1010.

In summary, Kiwi Property is proposing to amend the gearing ratio set out in the Master

Trust Deed by increasing the ratio from 45% to 50% (Gearing Ratio Amendment). Holders

of the Relevant Bonds are being asked to vote on a special resolution at the meeting to

approve the Gearing Ratio Amendment.

If the special resolution is passed, Kiwi Property will pay holders who voted in favour of

the special resolution a one-off consent fee equal to 0.50% of the principal amount of

their Relevant Bonds ($1.00 per Relevant Bond).

The attached booklet (Booklet) (which also includes the Notice of Meeting) contains

more information about the Gearing Ratio Amendment, the consent fee and the

process for passing the special resolution.

Kiwi Property has engaged Grant Samuel to prepare an independent report to assist

the holders of the Relevant Bonds in evaluating Kiwi Property's p roposal. A copy of the

Grant Samuel report is also attached.

The Booklet, the proxy form referred to in the Booklet and the Grant Samuel report will

be sent to all holders of Relevant Bonds.

Copies of the Booklet and the Grant Samuel report are also available on the

company's website at kp.co.nz.

> Ends


Contact us for further information

Clive Mackenzie

Chief Executive Officer

clive.mackenzie@kp.co.nz


Steve Penney

Chief Financial Officer

steve.penney@kp.co.nz



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About us

Kiwi Property (NZX: KPG) is one of the largest listed property companies on the New Zealand

Stock Exchange and is a member of the S&P/NZX 20 Index. We’ve been around for over 25

years and proudly own and manage a significant real estate portfolio, comprising some of New

Zealand’s best mixed-use, retail and office buildings. Our objective is to provide investors with a

reliable investment in New Zealand property through the ownership and active management of

a diversified, high-quality portfolio. Kiwi Property is licensed under the Real Estate Agents Act

2008. To find out more, visit our website kp.co.nz

---

KIWI PROPERTY GROUP LIMITED

MEETING OF RELEVANT HOLDERS TO APPROVE AN AMENDMENT TO THE

MASTER TRUST DEED


Notice of Meeting and other relevant information for Relevant Holders


25 September 2023




















This document gives you important information about a proposal to amend the Master Trust

Deed (as defined in this document). You should read this document in full before making any

decision on how to vote on the matters set out in this document. You can seek advice from a

financial advice provider or solicitor to help you make your decision.


This document and any other material prepared in respect of the matters set out in this document

may not be published, delivered or distributed in or from any country or jurisdiction except under

circumstances which will result in compliance with all applicable laws and regulations. Kiwi

Property has not and will not take any action which would permit possession or distribution of

this document or any other related material in any country or jurisdiction where action for that

purpose is required (other than New Zealand). This document does not constitute a solicitation

or offer in any country or jurisdiction in which it is unlawful to make such solicitation or offer

under any applicable laws or regulations.



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TABLE OF CONTENTS



1. KEY INFORMATION ......................................................................................................................... 1

Introduction ......................................................................................................................... 1

What are you being asked to do? ....................................................................................... 1

Consent Fee paid to Relevant Holders that vote in favour ................................................ 1

Other information ................................................................................................................ 2

2. CHAIRPERSON'S LETTER .............................................................................................................. 3

3. GEARING RATIO AMENDMENT...................................................................................................... 4

Background – Gearing Ratio .............................................................................................. 4

Gearing Ratio Amendment and its effect if the Special Resolution is passed ................... 4

Reason for the Gearing Ratio Amendment ........................................................................ 5

Gearing Ratio reporting ...................................................................................................... 5

4. CONSENT FEE ................................................................................................................................. 6

Consent Fee if you vote in favour of the Special Resolution and the Special Resolution is

passed ................................................................................................................................ 6

Consent Fee – tax implications .......................................................................................... 6

5. OTHER RELEVANT INFORMATION ............................................................................................... 7

Holders KPG060 Bonds will not vote on the Special Resolution ....................................... 7

Key dates ............................................................................................................................ 7

Grant Samuel Report .......................................................................................................... 7

6. ACTIONS FOR RELEVANT HOLDERS ........................................................................................... 8

Carefully read this booklet .................................................................................................. 8

Vote on the Special Resolution .......................................................................................... 8

7. HOW IS THE SPECIAL RESOLUTION PASSED? ........................................................................10

Who can pass the Special Resolution? ............................................................................ 10

Quorum ............................................................................................................................. 10

Voting process .................................................................................................................. 10

Appointment of the Chairperson of the Meeting .............................................................. 11

What happens if the Special Resolution is not passed? .................................................. 11

8. SUPERVISOR'S LETTER ...............................................................................................................12

9. NOTICE OF MEETING ...................................................................................................................13

10. GLOSSARY .....................................................................................................................................14


1. KEY INFORMATION

Introduction


Some capitalised words and expressions used in this booklet have defined meanings. The

Glossary in section 10 of this booklet defines these words and expressions.

1.1 We, Kiwi Property Group Limited (Kiwi Property), have sent you this booklet because you are

a Holder (Relevant Holder) of Bonds (Relevant Bonds) issued by us that form part of one of

the following Series:

(a) Kiwi Property's $125,000,000 fixed-rate senior secured green Bonds maturing on 19

December 2024 which are quoted on the NZX Debt Market under ticker code

KPG030 (KPG030 Bonds);

(b) Kiwi Property's $100,000,000 fixed-rate senior secured green Bonds maturing on 12

November 2025 which are quoted on the NZX Debt Market under ticker code

KPG040 (KPG040 Bonds); and

(c) Kiwi Property's $150,000,000 fixed-rate senior secured green Bonds maturing on 19

July 2028 which are quoted on the NZX Debt Market under ticker code KPG050

(KPG050 Bonds).

1.2 For the reasons set out in section 5.1 of this booklet, a reference in this booklet to "Relevant

Bonds" does not include Kiwi Property's $125,000,000 fixed-rate senior secured green

Bonds maturing on 27 September 2029 which are quoted on the NZX Debt Market under ticker

code KPG060 (KPG060 Bonds).

What are you being asked to do?

1.3 In summary, Kiwi Property is proposing to amend the Gearing Ratio set out in the Master Trust

Deed by increasing the ratio from 45% to 50% (Gearing Ratio Amendment). Read this

booklet for further information on the Gearing Ratio Amendment.

1.4 We are asking you to vote on a Special Resolution at a meeting of Relevant Holders (Meeting)

to approve the Gearing Ratio Amendment, as described further below.

1.5 The Special Resolution is set out in the Notice of Meeting (see section 9 of this booklet).

1.6 The Meeting will be held at 1.00pm on Friday, 20 October 2023 at the following location:


Russell McVeagh

Level 30, Vero Centre

48 Shortland Street

Auckland 1010

New Zealand

1.7 You can attend the Meeting and vote in person at the above location, or you can appoint a

representative known as a "proxy" (including the Chairperson of the Meeting) to attend and

vote on your behalf using the Proxy Form enclosed with this booklet or online at

investorcentre.linkgroup.nz/voting/KPG.

Consent Fee paid to Relevant Holders that vote in favour

1.8 If the Special Resolution is passed, Relevant Holders that vote (including by proxy) in favour

of the Special Resolution will receive a Consent Fee equal to 0.50% of the Principal Amount

of the Relevant Bonds they held as at 5.00pm on Wednesday, 18 October 2023.



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1.9 The Consent Fee is a one-off fee which will be paid to those entitled to receive the Consent

Fee within 10 Working Days of the Special Resolution being passed.

1.10 See section 4 of this booklet for further information about the Consent Fee.

Other information

1.11 This booklet sets out the terms, purpose and effect of the Gearing Ratio Amendment,

the process for passing the Special Resolution and other information that may be

relevant to you in deciding how to vote on the Special Resolution. Accordingly, you

should read this booklet in full before making any decision on how to vote on the

Special Resolution.

1.12 This booklet and any other material prepared in respect of the matters set out in this

booklet may not be published, delivered or distributed in or from any country or

jurisdiction except under circumstances which will result in compliance with all

applicable laws and regulations. Kiwi Property has not and will not take any action

which would permit possession or distribution of this booklet or any other related

material in any country or jurisdiction where action for that purpose is required (other

than New Zealand). This booklet does not constitute a solicitation or offer in any

country or jurisdiction in which it is unlawful to make such solicitation or offer under

any applicable laws or regulations.



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2. CHAIRPERSON'S LETTER


Dear Holders of our KPG030 Bonds, KPG040 Bonds and KPG050 Bonds (Relevant Bonds)


We are writing to you in relation to Kiwi Property's proposal to amend the Master Trust Deed to increase

the maximum Gearing Ratio from 45% to 50%.


The Gearing Ratio Amendment must be approved by a Special Resolution of Holders of Relevant

Bonds.


If the Special Resolution is passed, Kiwi Property will pay Holders who voted (including by proxy) in

favour of the Special Resolution a Consent Fee equal to 0.50% of the principal amount of the Relevant

Bonds ($1.00 per Relevant Bond) they hold as at 5.00pm on Wednesday, 18 October 2023.


Why does Kiwi Property want to make these changes?


The Gearing Ratio Amendment, if approved, will ensure Kiwi Property's Gearing Ratio covenant is

consistent across its funding arrangements. In November 2022, we agreed with our bank lenders to

increase the maximum gearing ratio under our bank lending documentation to 50% (from 45%) once we

no longer have any Bonds outstanding with a maximum Gearing Ratio of 45%. Kiwi Property then

issued a new series of Bonds (KPG060) in March this year with a maximum Gearing Ratio of 50%.


The Gearing Ratio Amendment will also better align our financial covenant arrangements with other

comparable listed property companies in the New Zealand market.


What are you being asked to do?


We are asking you to vote (in person or by appointing a proxy) on the Special Resolution at a Meeting

to be held on Friday, 20 October 2023 at 1.00pm at:


Russell McVeagh

Level 30, Vero Centre

48 Shortland Street

Auckland 1010

New Zealand


You are entitled to vote if you are a Holder of one or more of the Relevant Bonds as at 1.00pm on

Wednesday, 18 October 2023. For the avoidance of doubt, Holders of Kiwi Property's KPG060 Bonds

are not entitled to vote on the Special Resolution (unless they also hold one of the Relevant Bonds).


The Kiwi Property Board supports the Gearing Ratio Amendment and strongly encourages you

to vote at the upcoming Meeting, either by proxy (using the enclosed form or online at

investorcentre.linkgroup.nz/voting/KPG) or in person.


The accompanying booklet sets out the terms, purpose and effect of the Gearing Ratio

Amendment, the process for passing the Special Resolution and other information that may be

relevant to you in deciding how to vote on the Special Resolution. Please read the booklet in full

before making any decision on how to vote on the Special Resolution.


Thank you for investing with Kiwi Property – we value your support.


Yours faithfully




Simon Shakesheff, Chair



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3. GEARING RATIO AMENDMENT

Background – Gearing Ratio

3.1 The Master Trust Deed contains a financial covenant, called the Gearing Ratio, which limits

the amount of money the Consolidated Group may borrow. The Gearing Ratio is set out in

clause 11.6 of the Master Trust Deed and reads as follows:

The Issuer undertakes to the Holders of Bonds and the Supervisor in

respect of such Holders that it will, for so long as any Bonds of the Issuer

are outstanding, ensure that at all times, total Finance Debt of the

Consolidated Group does not exceed 45% of the Total Tangible Assets

of the Consolidated Group.

. . .

3.2 For the purpose of the Gearing Ratio, in summary:

(a) "Finance Debt" means all indebtedness of the Consolidated Group in respect of

money borrowed or raised by any means (including bonds and bank debt), but

excluding subordinated debt;

(b) "Total Tangible Assets" means the total amount of all assets of the Consolidated

Group as disclosed in its latest financial statements, but excluding intangible assets;

and

(c) any unrealised exposures or gains under the Consolidated Group's derivative

contracts (for example, interest rate hedging) are excluded from Finance Debt and

the Total Tangible Assets respectively.

The above is a summary only. See the Master Trust Deed for full details of the Gearing Ratio

and the related definitions. A copy of the Master Trust Deed is available at

kiwiproperty.com/corporate/about-us/corporate-governance/ under the heading "trust deed".

3.3 An Event of Default will occur under the Master Trust Deed if the Gearing Ratio is breached

and not remedied within the timeframe set out in the Master Trust Deed.

3.4 The maximum Gearing Ratio of 45% set out in the Master Trust Deed applies to three of Kiwi

Property's existing Series of Bonds, being each Series of Relevant Bonds (the KPG030 Bonds,

the KPG040 Bonds and the KPG050 Bonds).

3.5 Kiwi Property's fourth existing Series of Bonds (the KPG060 Bonds) was issued in March 2023

with an increased maximum Gearing Ratio of 50%. This increased maximum Gearing Ratio

was contained in the Supplemental Trust Deed for the KPG060 Bonds and therefore only

applied to the KPG060 Bonds.

Gearing Ratio Amendment and its effect if the Special Resolution is passed

3.6 Kiwi Property is proposing to amend the Gearing Ratio set out in the Master Trust Deed by

increasing the ratio from 45% to 50%.

3.7 Once the Gearing Ratio Amendment is effective:

(a) the maximum Gearing Ratio set out in the Master Trust Deed will increase from 45%

to 50%; and

(b) as a result, the Consolidated Group will be permitted to have more Finance Debt

compared to the amount of Finance Debt that is permitted under the current

maximum Gearing Ratio of 45%.



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3.8 In all other respects, the existing terms and conditions of the Master Trust Deed will continue.

3.9 See sections 6 and 7 of this booklet for more information about the steps necessary to bring

the Gearing Ratio Amendment into effect.

Reason for the Gearing Ratio Amendment

3.10 Kiwi Property is proposing to amend the Gearing Ratio because it considers that a maximum

Gearing Ratio of 50% is a more appropriate financial covenant (compared to a ratio of 45%)

for its business as one of New Zealand's largest listed property companies, including for the

following reasons:

(a) Alignment across funding arrangements: In November 2022, Kiwi Property

agreed with its bank lenders to increase the maximum gearing ratio to 50% under its

bank funding documents once Kiwi Property no longer has any Bonds with a

maximum Gearing Ratio of 45%. In March 2023, Kiwi Property issued the KPG060

Bonds with a maximum Gearing Ratio of 50%. Accordingly, the Gearing Ratio

Amendment will ensure consistency across Kiwi Property's debt portfolio.

(b) Alignment with the market: A maximum Gearing Ratio of 50% is generally

consistent with the approach adopted by most other comparable listed property

companies in the New Zealand market. Accordingly, the Gearing Ratio Amendment

will align Kiwi Property more closely with market precedent.

Gearing Ratio reporting

3.11 Kiwi Property is required to report the Gearing Ratio to the Supervisor as at Kiwi Property's

interim and year-end financial reporting dates (30 September and 31 March respectively).

3.12 The Gearing Ratio was 35.0% as at 31 March 2023 (being the most recent reporting date).

This is calculated on the basis of:

(a) $1,131 million of Finance Debt; and

(b) $3,229 million of Total Tangible Assets,

in each case, as at 31 March 2023.

3.13 Kiwi Property's average Gearing Ratio for the last five financial years is 32.3% (using the

average 31 March Gearing Ratios for the 2019 to 2023 financial years).

3.14 Kiwi Property's previously reported Gearing Ratio levels should not be construed as an

assurance of future gearing.

3.15 The Gearing Ratio would be 35.8% based on the Consolidated Group's Finance Debt as at 31

August 2023 (being the date of the most recent unaudited management accounts available as

at the date of this booklet) and with the Consolidated Group's Total Tangible Assets as at 31

March 2023 adjusted to reflect the September 2023 Draft Valuations.



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4. CONSENT FEE

Consent Fee if you vote in favour of the Special Resolution and the Special Resolution

is passed

4.1 Kiwi Property will pay you a Consent Fee if (and only if):

(a) you cast a valid vote (including by your representative or proxy) at the Meeting in

favour of the Special Resolution; and

(b) the Special Resolution is passed.

4.2 Kiwi Property will not pay you a Consent Fee if:

(a) you abstain from voting or cast a valid vote (including by your representative or

proxy) at the Meeting against the Special Resolution; or

(b) the Special Resolution does not pass (regardless of how you may vote).

4.3 If you are entitled to receive the Consent Fee, the amount of the Consent Fee will be equal to

0.50% of the aggregate Principal Amount of the Relevant Bonds ($1.00 per Relevant Bond)

you held as at 5.00pm on Wednesday, 18 October 2023. For example, if:

(a) you hold Relevant Bonds having an aggregate Principal Amount of $25,000;

(b) you cast a valid vote (including by your representative or proxy) at the Meeting in

favour of the Special Resolution; and

(c) the Special Resolution is passed,

Kiwi Property will pay you a Consent Fee of $125.00.

4.4 Kiwi Property will pay you the Consent Fee within 10 Working Days of the Special Resolution

being passed. The Consent Fee is a one-off fee.

Consent Fee – tax implications

4.5 The information set out below is of a general nature and does not constitute tax advice to any

Relevant Holder. The information is based on New Zealand law in force as at the date of this

booklet and is limited to New Zealand taxation only.

4.6 Kiwi Property does not assume any liability to you in relation to the tax treatment of any amount

paid to you. You should seek advice from a tax adviser if you have any questions regarding

the tax consequences of the Consent Fee. This includes in determining whether the Consent

Fee should be included in a New Zealand income tax return.

4.7 The Consent Fee is not interest. Accordingly, New Zealand resident and non-resident

withholding tax should not be applicable and will not be deducted from any Consent Fee paid

to you. Instead, if you are a New Zealand resident, it is likely that you will be required to

include the Consent Fee as income in your New Zealand income tax return. This should be

confirmed with your tax adviser.



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5. OTHER RELEVANT INFORMATION

Holders KPG060 Bonds will not vote on the Special Resolution

5.1 Holders of KPG060 Bonds are not entitled to vote on the Special Resolution as these Bonds

will not be adversely affected by the Gearing Ratio Amendment. This is because, as described

above, the KPG060 Bonds are already subject to a maximum Gearing Ratio of 50%.

5.2 For the avoidance of doubt, a Holder of KPG060 Bonds that also has a holding of Relevant

Bonds is entitled to vote on the Special Resolution in relation to those Relevant Bonds.

Key dates

5.3 The key dates for the Meeting are:


Proxy Close Time – latest time and date at

which Proxy Forms (or online appointment)

can be received by Link Market Services

1.00pm on Wednesday, 18 October 2023

Meeting 1.00pm on Friday, 20 October 2023

Payment of Consent Fee to Relevant

Holders that vote (including by

representative or proxy) in favour of the

Special Resolution (if the Special

Resolution is passed)

Within 10 Working Days after the Special

Resolution is passed

Date the Gearing Ratio Amendment is

made to the Master Trust Deed if the

Special Resolution is passed

On or about the date the Special Resolution

is passed

Grant Samuel Report

5.4 Kiwi Property has engaged Grant Samuel & Associates Limited to provide an independent

report to assist Relevant Holders in evaluating the proposal set out in this booklet. A copy of

the report accompanies this booklet.



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6. ACTIONS FOR RELEVANT HOLDERS

Carefully read this booklet

6.1 You should read this booklet in full before making any decision on how to vote on the

Special Resolution.

6.2 If you have any general questions about this booklet or the Special Resolution, please call our

Investor Services Team on +64 9 359 4000.

6.3 If you have any questions about how you should vote on the Special Resolution, you can seek

advice from a financial advice provider or solicitor to help you make a decision.

Vote on the Special Resolution

6.4 In general, you are entitled to vote at the Meeting if you are recorded on the Register as a

holder of a Relevant Bond as at 1.00pm on Wednesday, 18 October 2023 (being the Proxy

Closing Time). There are some exceptions to this which affect who is entitled to vote (see

section 7.4 of this booklet).

Voting in person

6.5 If you are entitled to vote and wish to do so in person, you should attend the Meeting.

6.6 A corporation or a corporation sole that is entitled to vote may appoint a person to attend the

meeting as its representative, being a person authorised by the directors of the corporation, a

person appointed as a proxy, a person appointed under a power of attorney, or (in the case of

a corporate sole only) a person authorised by the corporation's constitution.

Voting by proxy

6.7 If you are entitled to vote, but cannot or do not wish to attend the Meeting, you can appoint a

proxy to attend and vote at the Meeting on your behalf. Your proxy does not need to be a

Relevant Holder and can be the Chairperson of the Meeting.

6.8 If you appoint a proxy, you can direct your proxy how to vote for you or you can give the proxy

discretion to vote as they see fit. If you appoint the Chairperson of the Meeting as your

proxy, the Chairperson will vote in favour of the Special Resolution on your behalf

unless you direct otherwise on the Proxy Form.

6.9 If you intend to appoint a proxy, you must complete the Proxy Form enclosed with this booklet

and return it to Link Market Services, either by email or post to:

(a) by email: meetings@linkmarketservices.com (please add "Kiwi Property Proxy" in

the email subject line)

(b) by post:

Kiwi Property Group Limited

c/- Link Market Services Limited

PO Box 91976,

Auckland 1142

New Zealand

6.10 Alternatively, you can appoint a proxy online at investorcentre.linkgroup.nz/voting/KPG. You

will require your CSN/Holder Number and Authorisation Code (FIN).

6.11 The completed Proxy Form (or online proxy appointment) must be received by Link Market

Services no later than 1.00pm on Wednesday, 18 October 2023 (being the Proxy Closing

Time).



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6.12 No proxy will be effective (unless the Supervisor and Kiwi Property otherwise agree) unless a

Proxy Form (or online proxy appointment) is completed and returned in accordance with the

instructions contained on the Proxy Form.

6.13 A validly appointed proxy is entitled to attend, vote and speak at the Meeting and (other than

to the extent the proxy is expressly directed to vote for or against a proposal) has powers

generally to act at the Meeting on behalf of the Relevant Holder as if the proxy was the

Relevant Holder.




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7. HOW IS THE SPECIAL RESOLUTION PASSED?

Who can pass the Special Resolution?

7.1 The Special Resolution must be passed by persons who are the Relevant Holders (and entitled

to vote) as at 1.00pm on Wednesday, 18 October 2023 (being the Proxy Closing Time).

Quorum

7.2 In order to hold the vote on the Special Resolution at the Meeting, there must be a quorum of

Relevant Holders present (either in person or by their representatives, including persons

holding proxies).

7.3 The quorum requirement will be satisfied if Relevant Holders (or their proxies) are present at

the Meeting who hold Relevant Bonds with a combined Principal Amount of no less than 25%

of the Principal Amount of Relevant Bonds held by all Relevant Holders who are entitled to

vote on the Special Resolution.

7.4 In general, all persons who are Relevant Holders as at 1.00pm on Wednesday, 18 October

2023 (being the Proxy Closing Time) are entitled to vote at the Meeting. The exceptions to

this are as follows:

(a) If you hold a Relevant Bond jointly with one or more other persons, only one person

is entitled to vote, with priority given to the joint holder named in the Register first.

(b) If the Relevant Holder is deceased, his or her legal personal representative will be

entitled to vote.

(c) If the Relevant Holder has been adjudicated bankrupt, the assignee in bankruptcy

will be entitled to vote.

(d) If Kiwi Property or any other member of the Consolidated Group holds any Relevant

Bonds, they are not entitled to vote.

7.5 If the required quorum is not present within 30 minutes of the time appointed for the Meeting,

the Special Resolution cannot be voted on and the Meeting will be adjourned to the time and

date that is 10 Working Days after the Meeting (or such later time or date as Kiwi Property and

the Supervisor may agree).

7.6 If the Meeting is adjourned because there was no quorum, the quorum requirement at the

adjourned meeting can be satisfied by a single Relevant Holder (or their proxy) being present,

regardless of the Principal Amount of Relevant Bonds held by the Relevant Holder.

Accordingly, if it is necessary to adjourn the Meeting, the Special Resolution will be voted on

at the adjourned meeting, provided at least one Relevant Holder is present at that meeting

and entitled to vote (either in person or represented by proxy). Any valid proxy given for the

Meeting will be valid for the adjourned meeting (if required).

Voting process

7.7 To pass the Special Resolution, Relevant Holders holding at least 75% of the Principal Amount

of the Relevant Bonds who are entitled to vote and are voting must vote in favour of the Special

Resolution.

7.8 In order to satisfy the requirements to pass the Special Resolution as described above, the

vote must be determined by a poll.

7.9 On a poll, each Relevant Holder who is present in person or by a representative and entitled

to vote will have one vote for every $1.00 of Principal Amount of the Relevant Bonds of which

that person is the Relevant Holder.



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Appointment of the Chairperson of the Meeting

7.10 The Supervisor has the right to appoint the Chairperson of the Meeting. The Supervisor has

nominated Liz Lim (Partner, Dentons Kensington Swan) to be Chairperson of the Meeting. If

the Chairperson of the Meeting is not present within 15 minutes after the time appointed for

the Meeting to commence, Relevant Holders (including representatives) present and entitled

to vote at the Meeting shall choose a person as Chairperson of the Meeting.

What happens if the Special Resolution is not passed?

7.11 If, when the vote is held, the outcome of the vote is that the Special Resolution is not passed,

the Gearing Ratio Amendment will not be made.



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8. SUPERVISOR'S LETTER




Public Trust Corporate Office

Level 16, 151 Queen Street, Auckland 1010

Private Bag 5902, Wellington 6140

P 0800 371 471 W publictrust.co.nz



To: Each holder of Kiwi Property's Relevant Bonds (as defined in the accompanying booklet)


Public Trust is the appointed Supervisor of your Relevant Bonds under Kiwi Property's Master Trust

Deed. We are writing to you, as Supervisor, in relation to the accompanying proposal by Kiwi Property

to consider and, if thought fit, pass a Special Resolution at a meeting of Relevant Holders on Friday, 20

October 2023 at 1.00pm.


In summary, the Special Resolution will approve an amendment to the Master Trust Deed to increase

the maximum Gearing Ratio from 45% to 50%.


We confirm that Kiwi Property has consulted with us in relation to the proposed amendment and that we

have had the opportunity to review and comment on the accompanying booklet.


We are satisfied that the Special Resolution has been properly put to holders of the Relevant Bonds in

accordance with the Master Trust Deed. We are also satisfied that the accompanying booklet presents

a fair and accurate summary of the amendment and its effect so that you can make a reasonably

informed voting decision.


We encourage you to read the accompanying booklet in full in order to make an informed decision before

voting on the Special Resolution. If you are unable to attend the meeting but would like to vote, please

complete the Proxy Form included in the accompanying booklet and forward it in accordance with the

instructions set out in the Proxy Form. Alternatively, you can appoint a proxy online at

investorcentre.linkgroup.nz/voting/KPG.


While we strongly encourage you to vote on the Special Resolution, we do not comment on how you

should vote. You must decide how you wish to vote, based on your assessment of the proposal.


If the Special Resolution is passed in accordance with the voting process described in the accompanying

booklet, please note the amendment will be binding on all holders of Relevant Bonds (including if they

have voted against the resolution or taken no action at all).


If you have any questions about how you should vote, you can seek advice from a financial advice

provider or solicitor to help you make a decision.


Finally, we note that Public Trust and New Zealand Permanent Trustees Limited (a subsidiary company

of Public Trust) each hold Relevant Bonds during the ordinary course of business activities. Such

holdings have no bearing on the independence of the role of the Supervisor.

Public Trust


Elena Vinton, Head of Client Services



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9. NOTICE OF MEETING


NOTICE OF A MEETING of the Holders of the following Bonds issued by Kiwi Property Group Limited

(Kiwi Property or the Issuer) under and pursuant to the master trust deed (Master Trust Deed)

originally dated 30 June 2014 (as amended from time to time) between the Issuer and Public Trust as

supervisor (Supervisor):

(a) $125,000,000 fixed-rate senior secured green Bonds maturing on 19 December 2024 which

are quoted on the NZX Debt Market under ticker code KPG030;

(b) $100,000,000 fixed-rate senior secured green Bonds maturing on 12 November 2025 which

are quoted on the NZX Debt Market under ticker code KPG040; and

(c) $150,000,000 fixed-rate senior secured green Bonds maturing on 19 July 2028 which are

quoted on the NZX Debt Market under ticker code KPG050,


together, the Relevant Bonds.


Unless provided otherwise, all capitalised terms in this notice have the meaning given to those terms in

the Master Trust Deed.


Kiwi Property hereby gives notice to Holders of Relevant Bonds that, pursuant to the provisions of

Schedule 1 to the Master Trust Deed, a meeting of Holders of Relevant Bonds has been convened by

Kiwi Property and will be held on:


Friday, 20 October 2023 at 1.00pm


at the following location:

Russell McVeagh

Level 30, Vero Centre

48 Shortland Street

Auckland 1010

New Zealand


for the purposes of considering and, if thought fit, passing the resolution below which will be proposed

as a Special Resolution in accordance with the Master Trust Deed.


The proposed Special Resolution will approve an amendment to the Master Trust Deed which increases

the maximum Gearing Ratio from 45% to 50%.


Further information about the terms, purpose and effect of the amendment, the process for passing the

Special Resolution and other information that may be relevant to you in deciding how to vote on the

Special Resolution is set out in the booklet in which this Notice of Meeting is included.


Special Resolution


RESOLVED by the Holders of the Relevant Bonds under the Master Trust Deed that the Supervisor be

authorised and directed to enter into an amendment deed with the Issuer to effect an amendment to

clause 11.6 (Gearing Ratio) of the Master Trust Deed by deleting the reference to "45%" therein and

replacing it with "50%".





14

10. GLOSSARY

In this booklet, unless the context otherwise requires:

Bond means a bond issued by Kiwi Property and constituted by, and subject to the terms and conditions

set out in, the Master Trust Deed (as supplemented by the relevant Supplemental Trust Deed for each

Series of Bonds)

Chairperson of the Meeting means the person appointed by the Supervisor to be the Chairperson of

the Meeting (or a replacement Chairperson appointed in accordance with the Master Trust Deed)

Consent Fee means the fee (as described further in sections 4.1 to 4.4 of this booklet) payable by Kiwi

Property to each Relevant Holder:

(a) who casts a valid vote (including by representative or proxy) at the Meeting in favour of the

Special Resolution; and

(b) if the Special Resolution is passed

Consolidated Group means Kiwi Property and its subsidiaries

Event of Default has the meaning given to that term in the Master Trust Deed

Finance Debt has the meaning given to that term in the Master Trust Deed, as summarised in paragraph

3.2 of this booklet

Gearing Ratio Amendment means the proposed amendment to the Gearing Ratio set out in the Master

Trust Deed to increase the ratio from 45% to 50%, as described in this booklet and contained in the

Notice of Meeting

Gearing Ratio means the gearing ratio set out in clause 11.6 of the Master Trust Deed, as further

described in paragraphs 3.1 to 3.5 of this booklet

Holder means a person recorded on the Register as holding Bonds

Kiwi Property, we or us means Kiwi Property Group Limited

KPG030 Bonds has the meaning given to that term in paragraph 1.1 of this booklet

KPG040 Bonds has the meaning given to that term in paragraph 1.1 of this booklet

KPG050 Bonds has the meaning given to that term in paragraph 1.1 of this booklet

KPG060 Bonds has the meaning given to that term in paragraph 1.2 of this booklet

Link Market Services means Link Market Services Limited

Master Trust Deed means the master trust deed dated originally dated 30 June 2014 (as amended

from time to time) between Kiwi Property as issuer and the Supervisor

Meeting means the meeting of Relevant Holders to be convened by Kiwi Property as set out in the

Notice of Meeting

Notice of Meeting means the notice of meeting in section 9 of this booklet

Principal Amount means $1.00 per Bond

proxy means, in relation to you, a person you appoint to be your representative at the Meeting and to

vote on your behalf in accordance with the Master Trust Deed



15

Proxy Closing Time means 48 hours before the day and time at which the Meeting is due to be held

Proxy Form means the proxy form enclosed with this booklet

Register means the register of Bonds maintained by Link Market Services (as registrar) in accordance

with the Master Trust Deed

Relevant Bonds has the meaning given to that term in paragraph 1.1 of this booklet

Relevant Holder means a Holder of Relevant Bonds

September 2023 Draft Valuations means the Consolidated Group's draft real property valuations for

the half financial year ending 30 September 2023 as disclosed by Kiwi Property via NZX on or about

Monday, 25 September 2023, which can be found at www.nzx.com/companies/KPG/announcements

The draft real property valuations include full independent draft valuations for all investment properties

other than The Base, Centre Place North, Sylvia Park Lifestyle, Resido Lynton (BTR1), Drury

development land and other adjoining industrial assets within the Sylvia Park Precinct where

independent desktop reviews were performed. The desktop reviews were completed by the same

independent valuers who completed full independent valuations at 31 March 2023. No valuations were

performed for the adjoining residential properties within the Sylvia Park Precinct. The final valuations

will be confirmed in Kiwi Property's financial statements for the half financial year ending 30 September

2023, scheduled for release in November 2023

Series means a series of Bonds

Special Resolution means the proposed resolution set out in the Notice of Meeting

Supervisor means Public Trust

Supplemental Trust Deed means, in relation to a Series of Bonds, the deed that is supplemental to the

Master Trust Deed, which constitutes and sets out the terms and conditions of that Series of Bonds

Total Tangible Assets has the meaning given to that term in the Master Trust Deed, as summarised in

paragraph 3.2 of this booklet

Working Day has the meaning given to that term in the Master Trust Deed and means, in summary, a

day other than a Saturday, a Sunday, a national public holiday (including if that holiday is observed on

a Monday) or a day falling in the period between 25 December and 2 January

---

INDEPENDENT REPORT
IN RELATION TO THE PROPOSAL BY KIWI PROPERTY GROUP LIMITED

TO RELEVANT BOND HOLDERS




GRANT SAMUEL & ASSOCIATES LIMITED


21 SEPTEMBER 2023



TABLE OF CONTENTS

1 Introduction ____________________________________________________________________________ 1

1.1 Background to the KPG Proposal ______________________________________________________ 1

1.2 Details of the KPG Proposal __________________________________________________________ 2

2 Scope of the Report ______________________________________________________________________ 3

2.1 Purpose of the Report ______________________________________________________________ 3

2.2 Basis of Evaluation _________________________________________________________________ 3

3 Profile of KPG’s Capital Structure ___________________________________________________________ 4

3.1 Financial Position __________________________________________________________________ 4

3.2 Security and Event of Default _________________________________________________________ 7

3.3 Forecast Gearing Ratio Analysis _______________________________________________________ 8

3.4 Gearing Ratio Sensitivity Analysis ______________________________________________________ 9

4 Comparable Analysis ____________________________________________________________________ 10

4.1 Gearing Ratios/LTV ratios of Comparable Listed Companies _______________________________ 10

4.2 Covenant Terms of Comparable Listed Companies _______________________________________ 10

4.3 Comparable Transaction Evidence ____________________________________________________ 12

5 Evaluation of the KPG Proposal ____________________________________________________________ 13

APPENDIX A – Transactive Evidence ____________________________________________________________ 15

APPENDIX B – Qualifications, Declarations and Consents ____________________________________________ 17






GLOSSARY

TERM DEFINITION

AFFO Adjusted funds from operations

Bank Facilities

Bank debt facilities provided by ANZ, BNZ, CBA, Westpac, CCB, HSBC and MUFG

Bonds

Green Bonds traded on the NZDX (KPG030, KPG040, KPG050 and KPG060)

FY22

Financial year ending 31 March 2022

FY23

Financial year ending 31 March 2023

FY24

Financial year ending 31 March 2024

Gearing Ratio Total Finance Debt of the KPG Consolidated Group divided by Total Tangible Assets of the KPG

Consolidated Group

Gearing Ratio Amendment

Amend the Gearing Ratio covenant set out in the Master Trust Deed from 45% to 50%

Grant Samuel

Grant Samuel & Associates Limited

GSD

Global security deed dated 5 November 1998, as amended from time to time

Interest Bearing Liabilities

The Bonds and the amounts outstanding under the Bank Facilities

KPG or the Company

Kiwi Property Group Limited

KPG Consolidated Group

KPG and its subsidiaries

KPG Proposal If the Special Resolution is passed and the Gearing Ratio Amendment is therefore approved, KPG will pay

a Consent Fee to those Relevant Bond holders that vote in favour of the Special Resolution. The Consent

Fee payable to such Relevant Bond holders will be equal to 0.50% of the aggregate principal amount of

the Relevant Bonds ($1.00 per Relevant Bond) they held as at 5.00pm on 18 October 2023

Master Trust Deed

Master trust deed dated 30 June 2014, as amended from time to time

Relevant Bonds

KPG030, KPG040 and KPG050 Bonds

S&P

S&P Global Ratings Australia Pty Limited

Security Trust Deed

Security trust deed dated 30 June 2014, as amended from time to time

Supplemental Trust Deed In relation to a series of Bonds, the deed that is supplemental to the Master Trust Deed, which constitutes

and sets out the terms and conditions of that series of Bonds

Westgate

Westgate Lifestyle Shopping Centre








1


1 Introduction

1.1 Background to the KPG Proposal

Kiwi Property Group Limited (KPG or the Company) is a New Zealand listed company that owns and manages

approximately $3.1 billion

1

of high quality property assets in New Zealand including Sylvia Park (Auckland),

the Vero Centre (Auckland), ASB North Wharf (Auckland) and a 50% interest in The Base (Waikato). As at 21

September 2023 KPG had a market capitalisation of approximately $1.35 billion.

KPG typically funds the development and acquisition of property assets with a mix of equity and debt. As at

31 March 2023 KPG had approximately:

§

$1.0 billion of bank debt facilities provided by ANZ, BNZ, CBA, Westpac, CCB, HSBC and MUFG (the Bank

Facilities); and

§

$625 million of Bonds (KPG020

2

, KPG030, KPG040, KPG050 and KPG060 (the Bonds)),


collectively,

the Interest Bearing Liabilities

.


The financial covenants that apply to the Bonds are:

§

a maximum Gearing Ratio of 45% for the KPG030, KPG040 and KPG050 Bonds; and

§

a maximum Gearing Ratio of 50% for the KPG060 Bonds

.

The Gearing Ratio is defined as:

§

total Finance Debt of the KPG Consolidated Group divided by Total Tangible Assets of the KPG Consolidated

Group (the Gearing Ratio).

3


In November 2022, KPG agreed with its bank lenders to increase the maximum gearing ratio in the bank

lending documentation to 50% (from 45%) once KPG no longer has any Bonds outstanding with a maximum

Gearing Ratio of 45%. KPG issued the KPG060 Bonds in March 2023 with a maximum gearing ratio of 50%.

KPG is requesting that holders of KPG030, KPG040 and KPG050 Bonds (the Relevant Bonds) vote on a Special

Resolution to amend the Gearing Ratio covenant set out in the Master Trust Deed from 45% to 50% (the

Gearing Ratio Amendment).

To pass the Special Resolution at a meeting at which the requisite quorum

4

is present, Relevant Bond holders

holding at least 75% of the principal amount of the Relevant Bonds who are entitled to vote and are voting

at the meeting (either in person or by proxy) must vote in favour of the Special Resolution.

Holders of the KPG060 Bonds are not entitled to vote on the Special Resolution. This is because the KPG060

Bonds are already subject to a maximum Gearing Ratio of 50%.


________________________________________________________________________________________________________________________________________________________

1

Estimated as at 30 September 2023.

2

The KPG020 Bonds were repaid on 7 September 2023.

3

For the purposes of the Gearing Ratio, in summary, (a) Finance Debt means all indebtedness of the KPG Consolidated Group in respect of

money borrowed or raised by any means (including bonds and bank debt) but excluding subordinated debt; (b) Total Tangible Assets

means the total amount of all assets of the KPG Consolidated Group as disclosed in its latest financial statements but excluding intangible

assets; and (c) unrealised exposures or gains under the KPG Consolidated Group's derivative contracts (for example, interest rate hedging)

are excluded from Finance Debt and the Total Tangible Assets respectively.

4

The quorum requirement will be satisfied if Relevant Bond holders (or their proxies) are present at the Meeting who hold Relevant Bonds

with a combined principal amount of no less than 25% of the principal amount of Relevant Bonds held by all Relevant Bond holders who

are entitled to vote on the Special Resolution.


2


1.2 Details of the KPG Proposal

If the Special Resolution is passed and the Gearing Ratio Amendment is therefore approved, KPG will pay a

Consent Fee to those Relevant Bond holders that vote (including by proxy) in favour of the Special Resolution.

For those Relevant Bond holders who are entitled to the Consent Fee, the amount of the Consent Fee will

be equal to 0.50% of the aggregate principal amount of the Relevant Bonds ($1.00 per Relevant Bond) they

held as at 5.00pm on Wednesday, 18 October 2023 (the KPG Proposal). For example, if a Relevant Bond

holder owns Relevant Bonds with an aggregate principal amount of $25,000, KPG will pay that Relevant Bond

holder a Consent Fee of $125 if the:

- Relevant Bond holder casts a valid vote at the Meeting in favour of the Special Resolution; and

- Special Resolution is passed.

KPG will pay the Consent Fee within 10 Working Days of the Special Resolution being passed.

The Consent Fee is not payable to any Relevant Bond holder who votes against the Special Resolution or who

does not cast a valid vote. The Consent Fee is also not payable to any Relevant Bond holders (regardless of

how they voted) if the Special Resolution does not pass.

KPG’s notice of meeting includes general information regarding the New Zealand tax implications of the

Consent Fee

5

. The Consent Fee is not interest. Accordingly, New Zealand resident and non-resident

withholding tax should not be applicable and will not be deducted from any Consent Fee paid to the Relevant

Bond holder. If the Relevant Bond holder is a New Zealand resident, it is likely that the Consent Fee will be

required to be included in their New Zealand income tax return. Relevant Bond holders should confirm this

with their own professional tax adviser.

________________________________________________________________________________________________________________________________________________________

5

The tax information is of a general nature and does not constitute tax advice to any Relevant Bond holder. The information is based on

New Zealand law in force as at the date of this report and is limited to New Zealand taxation only.


3


2 Scope of the Report

2.1 Purpose of the Report

KPG’s Directors have requested that Grant Samuel & Associates Limited (Grant Samuel) prepare an

Independent Report to assist the holders of the Relevant Bonds in evaluating the KPG Proposal.

Grant Samuel is independent and appropriately qualified and does not believe that there are any facts or

circumstances which could give rise to a conflict of interest, or which would otherwise affect its ability to

provide the requested Independent Report. Grant Samuel did not participate in setting the terms of the KPG

Proposal.

A copy of this report will be sent to the Relevant Bond holders. This report is for the benefit of the Relevant

Bond holders. The report should not be used for any purpose other than as an expression of Grant Samuel’s

opinion as to the evaluation of the KPG Proposal. This report should be read in conjunction with the

Qualifications, Declarations and Consents outlined at Appendix B.

2.2 Basis of Evaluation

Grant Samuel has evaluated the KPG Proposal by reviewing the following factors:

§

analysing KPG’s gearing ratios relative to the gearing/LTV ratios of comparable listed property

companies;

§

analysing the terms of comparable transactions;

§

analysing KPG’s bond terms relative to comparable listed companies;

§

reviewing KPG’s historical and forecast cash flow and financial metrics;

§

reviewing the costs of the Consent Fee;

§

considering any other identified advantages and disadvantages of the KPG Proposal; and

§

considering the implications of accepting or rejecting the KPG Proposal.

Grant Samuel’s opinion is to be considered as a whole. Selecting portions of the analyses or factors

considered by it, without considering all the factors and analyses together, could create a misleading view of

the process underlying the opinion. The preparation of an opinion is a complex process and is not necessarily

susceptible to partial analysis or summary. For the avoidance of doubt, appendices A and B form part of this

report.



4


3 Profile of KPG’s Capital Structure

3.1 Financial Position

The financial position of KPG as at 31 March 2022 and 2023 is summarised below:

FINANCIAL POSITION ($ MILLIONS)

6


AS AT 31 MARCH 2022 31 MARCH 2023

Investment properties 3,359 3,064

Investment properties held for sale 209 130

Total Investment properties 3,568 3,194

Cash and cash equivalents 12 18

Other assets 15 27

Total assets 3,595 3,238

Interest bearing liabilities (1,136) (1,131)

Deferred tax liabilities (108) (104)

Other liabilities (78) (70)

Total liabilities (1,323) (1,305)

Net assets 2,272 1,933

Gearing Ratio 31.6% 35.0%

Pro forma Gearing Ratio after the sale of Westgate which settled May 2023 - 33.3%

KPG Annual Accounts

The following comments are relevant when reviewing the table above:

§

The value of investment properties declined by approximately 9.6% over the twelve month period to

31 March 2023 and KPG invested approximately $163.5 million in the portfolio through the period. The

following table summarises the movement in the book value of investment properties over the twelve

month period to 31 March 2023.

MOVEMENTS IN INVESTMENT PROPERTIES ($ MILLIONS)

Investment properties - March 22 3,359

Westgate Lifestyle (settled in May 2023) (95)

44 The Terrace (55)

Investment properties - March 23 before revaluation 3,209

Investment 163

Fair value gain / (loss) (309)

Investment properties - March 23 3,064

§

As at 31 March 2023 KPG had Interest Bearing Liabilities of approximately $1.1 billion and undrawn

bank facilities of $494 million.

INTEREST BEARING LIABILITIES AS AT 31 MARCH 2023

DRAWN UNDRAWN TOTAL

Bank loans 506 494 1,000

Fixed rate - Bonds 625 - 625

Interest bearing liabilities 1,131 494 1,625


________________________________________________________________________________________________________________________________________________________

6

Figures in the financial tables are subject to rounding adjustments and therefore may not tally.


5


§

As at 31 March 2023 KPG had five series of Bonds on issue with a face value of $625 million. On 7

September 2023 KPG repaid its KPG020 Bonds in full. The total value of the Relevant Bonds is $375

million.

FIXED RATE – BONDS PROFILE AS AT 31 MARCH 2023

FACE VALUE

($M) DATE ISSUED

DATE OF

MATURITY INTEREST RATE

MAXIMUM

GEARING RATIO

COVENANT

KPG030 125 19 Dec 17 19 Dec 24 4.33% 45%

KPG040 100 12 Nov 18 12 Nov 25 4.06% 45%

KPG050 150 19 Jul 21 19 Jul 28 2.85% 45%

Total – Relevant Bonds 375

KPG020 125 07 Sep 16 07 Sep 23 4.00% 45%

KPG060 125 27 Mar 23 27 Sep 29 6.24% 50%

Total – All Green Bonds 625

§

As at 31 March 2023 the weighted average term to maturity for the Interest Bearing Liabilities was

approximately 3.8 years. On the repayment of KPG020 in September 2023 the weighted average term

to maturity increased to 4.2 years. Approximately 90% of the Bank Facilities volume has a date of

maturity falling in either FY27 or FY28.

INTEREST BEARING LIABILIITIES VALUE BY MATURITY DATE AS AT 31 MARCH 2023 ($ MILLIONS)


§

The weighted average interest rate for the Interest Bearing Liabilities (inclusive of Bank Facilities, Bonds,

active interest rate derivatives, margins and line fees) increased from 3.85% in FY22 to 5.18% in FY23

which reflected the rising interest rate environment that occurred through the period.

§

KPG sold Westgate Lifestyle Shopping Centre (Westgate) on 1 May 2023. KPG’s pro forma Gearing Ratio

after the sale of Westgate declined to 33.3%. Over the last five years KPG’s Gearing Ratio has been

between 31.0% and 35.0%, within KPG’s target gearing range during that time of 25-35% and below the

Gearing Ratio threshold covenant of 45%. KPG’s target gearing range is not a contractual term of the

Bonds. KPG's target gearing range is determined by KPG at its discretion (subject to the threshold

covenant) and may be changed at any time.

0

100

200

300

400

500

600

FY24FY25FY26FY27FY28FY29FY30

$ millions

Bo ndsBank loans


6


HISTORICAL GEARING RATIOS


§

As at 31 March 2023 S&P has assigned a corporate credit rating of BBB (stable) to the Company and an

issue credit rating of BBB+ to each of the Bonds. On 26 June 2023 S&P announced that it had revised its

outlook for KPG from stable to negative and it noted the following:

“The negative outlook reflects our view that KPG's credit metrics will be constrained by diminished

earnings, high interest rates, and elevated capex requirements over the next 12 months. That said, we

expect the company will pursue capital management initiatives to restore weakened credit metrics

without compromising its asset portfolio quality.”

It also noted:

“KPG is making progress on its development program while trying to improve balance sheet flexibility

amid tough operating conditions, in our assessment. We also believe KPG is committed to maintaining

a financial profile consistent with the current 'BBB' rating and that it will deploy capital management

initiatives to improve credit metrics.”

§

The Bank Facilities financial covenants also includes a net rental income ratio, which measures the ratio

of the KPG Consolidated Group's net rental income to its net interest expense in any 12-month (the

ratio must be no less than 2.25 when tested) (Net Rental Income Cover ratio). The terms of the Bonds

do not include the Net Rental Income Cover ratio. However, the Net Rental Income Cover ratio

regulates the amount of interest bearing debt the KPG Consolidated Group may incur and therefore

provides indirect benefit for the Bond holders (in that KPG is required to comply with it under the bank

documentation). Over the last five years KPG’s Net Rental Income Cover ratio has ranged between 3.4

and 4.2 times, which is materially above the Bank Facilities financial covenant of 2.25 times. Rising

interest rates are expected to progressively impact this ratio over the next three years. As at 31 March

2023 KPG had several favourable financial attributes that will minimise the risk of the net rental interest

cover ratio falling below 2.25 times. This includes:

• KPG property portfolio occupancy sitting is at 99.3%;

• the weighted average lease expiry is at 4.4 years; and

• 84% of drawn finance debt is at fixed rates as at 31 March 2023 with an average term to maturity of

2.8 years which will partially mitigate rising interest rates.

31.0%

32.0%

31.2%

31.6%

Pro

forma

33.3%

35.0%

0%

5%

10%

15%

20%

25%

30%

35%

40%

FY19FY20FY21FY22FY23

Grating Ratio (%)


7


HISTORICAL NET RENTAL INCOME COVER RATIOS


3.2 Security and Event of Default

The documents that create or govern the security given by KPG and its subsidiaries that are party to a global

security deed dated 5 November 1998 (GSD) as guarantors (the Guarantors) are the:

§

GSD;

§

Mortgages; and

§

Security Trust Deed.

Kiwi Property's obligations for the Interest Bearing Liabilities are:

§

guaranteed by its subsidiaries that are party to the GSD as Guarantors; and

§

secured against all of the assets of the Guarantors, together with Mortgages over substantially all of the

real property (being land and the buildings and other fixtures on that land) owned by the Guarantors.

Under the Security Trust Deed, each Guarantor undertakes that the total assets held by the Guaranteeing

Group must not be less than 90% of the total assets of the Group.

Each series of Relevant Bonds will only become repayable before the relevant maturity date if an "Event of

Default" occurs and the supervisor under the Master Trust Deed then declares the Bonds to be immediately

due and payable. The Events of Default are set out in the Master Trust Deed and include the Gearing Ratio

in the Master Trust Deed being breached and not remedied within the grace period. The grace period is

approximately 13 months from the date of the event of default which is intended to provide KPG with

sufficient time to remedy the breach.


3.9

4.0 4.0

4.3

3.8

0.00

0.50

1.00

1.50

2.00

2.50

3.00

3.50

4.00

4.50

FY19FY20FY21FY22FY23

Interest Cover Ratio (times)

Interest c over ratioInterest c over ratio c oven an t


8


3.3 Forecast Gearing Ratio Analysis

The following table provides a high level forecast Gearing Ratio analysis over the 19 months (from 31 August

2023

7

) after factoring in: an estimation of property devaluation for the six month period to 30 September

2023; and the estimated capital to be spent over the next two years on existing developments at Sylvia Park

(Auckland), ASB North Wharf (Auckland), The Plaza (Palmerston North) and Drury (Auckland):

FORECAST GEARING RATIO ANALYSIS

DEBT

TANGIBLE

ASSETS

GEARING

RATIO

As at 31 August 2023 (Unaudited)

1,124 3,217 34.9%

Estimated 2.4% property devaluation as at 30 September 2023

- (77)

Pro forma position after property devaluation

1,124 3,140 35.8%

Committed capital expenditure as at 30 September 2023

86 86

Pro forma position as at 31 March 2025

(assuming no further movement in property valuations)

1,210 3,226 37.5%

The following comments are relevant when reviewing the table above:

§

KPG’s management have indicated the potential for a property devaluation of approximately 2.4% for

the six month period ending 30 September 2023. KPG’s Gearing Ratio is forecast to increase to

approximately 35.8%.

§

When factoring the committed capital expenditure on existing projects as at 30 September 2023 and

no further movements in property values, KPG’s gearing ratio would increase to approximately 37.5%.

It should also be noted that actual capital expenditure over the period to 31 March 2025 may differ

significantly from the estimated capital expenditure as at the date of this report.

§

Future movements in property valuations will have the most material impact on the Gearing Ratio (see

3.4 below for sensitivity analysis).

§

The analysis above and in section 3.4 below does not include the potential impact of retained profits

over the next 24 months. KPG’s target payout range is 90-100% of adjusted funds from operations

(AFFO) so the impact of retained AFFO would be minimal. The AFFO for KPG for the twelve months

ending 31 March 2022 (FY22) and 2023 (FY23) is summarised below:

AFFO ($ MILLIONS)

YEAR ENDING 31 MARCH 2022 31 MARCH 2023

Funds from operations 106.8 121.5

Maintenance capital expenditure (3.0) (6.6)

Tenant incentives and leasing fees (3.4) (2.2)

One off costs - 3.8

AFFO 100.4 116.5

Cash Dividend payment 87.9 89.5

Cash dividend payout ratio to AFFO 88% 77%

KPG Annual Accounts

§

Over the last two years, KPG has paid cash dividends of $87.9 and $89.5 million in FY22 and FY23

respectively. Although the retention of dividend would assist in debt reduction it is not a key lever to

mitigate risk from property value declines.


________________________________________________________________________________________________________________________________________________________

7

This is based on the unaudited management accounts as at 31 August 2023, which includes the impact of the sale of Westgate.


9


3.4 Gearing Ratio Sensitivity Analysis

The following table summarises the potential impact on the forecast Gearing Ratio from hypothetical

movements in KPG’s property values and assuming there is no change in the amount of KPG’s debt from the

forecast position in the table in section 3.3 above:

GEARING RATIO SENSITIVITY ANALYSIS

8


DEBT

TANGIBLE

ASSETS

MOVEMENT

IN VALUE

TANGIBLE

ASSETS AFTER

VALUE

MOVEMENT

ESTIMATED

GEARING

RATIO

-10% movement in KPG’s property value 1,132 3,074 (310) 2,916 41.5%

-5% movement in KPG’s property value 1,132 3,074 (155) 3,071 39.4%

Pro forma position as at 31 March 2025 1,210 3,226 - 3,226 37.5%

+5% movement in KPG’s property value 1,132

3,074

155 3,381 35.8%

+10% movement in KPG’s property value 1,132 3,074 310 3,536 34.2%

The following comments are relevant when reviewing the graph and table above:

§

If KPG’s property value declined by 10% over the next two years, the estimated Gearing Ratio would be

41.5%, approximately 3.5% below the existing maximum Gearing Ratio (45%) covenant for Relevant

Bonds and 8.5% below the proposed maximum Gearing Ratio of 50%.

§

For KPG to exceed a Gearing Ratio threshold of 45%, which is the current Gearing Ratio covenant of the

Relevant Bonds, the pro forma property value would have to decline by more than 17%. As summarised

in section 3.1, in the twelve months to 31 March 2023, property values declined by approximately 10%

and the analysis in section 3.3 assumes a further 2.4% decline in the six months to 30 September 2023.

The above focuses on the impact of property valuations only and assumes that there is no further change in

the amount of KPG's debt over any relevant period.

________________________________________________________________________________________________________________________________________________________

8

Grant Samuel selected the percentage movements in property value for purposes of the sensitivity analysis.


10


4 Comparable Analysis

4.1 Gearing Ratios/LTV ratios of Comparable Listed Companies

The following graph provides a comparison of comparable listed property companies most recently published

gearing/LTV ratios :

COMPARISON OF COMPARABLE LISTED COMPANIES GEARING/LTV RATIOS


KPG’s Gearing Ratio of 35% (33.3% on a pro forma basis after the sale of Westgate in May 2023) is generally

in line with the gearing/LTV of comparable listed property companies.

4.2 Covenant Terms of Comparable Listed Companies

The following table provides a summary of comparable listed property companies:

§

Gearing/LTV ratio covenants for bank borrowings and public bonds; and

§

Gearing range target.

SUMMARY OF NEW ZEALAND LISTED COMPANIES GEARING RATIO/LTV COVENANTS

CURRENT RANGE TARGET BANK COVENANT BOND COVENANT

KPG 25-35% Gearing Ratio Gearing Ratio must not exceed

45% (until all Bonds are subject

to a maximum Gearing Ratio of

50%)


The Gearing Ratio will increase

to 50% once KPG no longer has

any Bonds with a 45% Gearing

Ratio

Gearing ratio must not exceed

45% for the Relevant Bonds

Gearing ratio must not exceed

50% for the KPG060 Bond

Argosy

9

30-40% Debt to Total Assets Loan value does not exceed

50% of the fair value of property

(LTV)



LTV does not exceed 50% of

mortgage property value


________________________________________________________________________________________________________________________________________________________

9 Argosy Annual Report 2023 & Argosy Product Disclosure Statement dated February 2019

Pro forma

33.3%

35%

Pro Forma

35%

35%

29%

26%

35.0%

38.0%

0%

5%

10%

15%

20%

25%

30%

35%

40%

KPGArgosyPrecinctVital HealthcareProperty for industryGoodman Property

Group

Gearing Ratio (%)


11


RANGE TARGET BANK COVENANT BOND COVENANT

Precinct

10

Ensure no capital commitment

is entered into without funding

in place

Maintain adequate headroom

in relation to gearing covenants

to withstand portfolio

devaluations which may be

anticipated through the

property cycle



Total liabilities (excluding

deferred tax, derivative

financial instruments and sub-

ordinated debt liability) to not

exceed 50% of total assets

Loan does not exceed 50% of

the mortgage property value.



Vital Healthcare

11

Total borrowings do not exceed

50% of the gross value of the

Trust Fund

LTV does not exceed 55% Not applicable

Property for Industry

12

LTV does not exceed 40% LTV does not exceed 50% LTV does not exceed 50%

Goodman Property

Group

13


LTV between 20% 30% LTV does not exceed 50% LTV does not exceed 50%

Stride

14

Not available LTV does not exceed 50% Not applicable

Investore

15

Not available LTV does not exceed 52.5% LTV does not exceed 52.5%

16


Source: Comparable Company’s Annual Accounts and Recent Bond Product Disclosure Statements

The comparable listed companies have reasonably consistent gearing ratio/LTV covenants. The definitions

are slightly different, but due to the nature of the balance sheets are relatively comparable. With the

exception of KPG’s Relevant Bonds the gearing ratio or LTV ratio threshold is 50% (with the exception of Vital

Healthcare and Investore which is 55% and 52.5% respectively). The Gearing Ratio Amendment is generally

consistent with the gearing/LTV ratios of comparable listed property companies in New Zealand.

The gearing/LTV covenant target ranges of comparable listed property companies in New Zealand are not

consistent. Overall KPG’s current target range is towards the centre of the five comparable companies, with

a target gearing ratio being 10-15% below the gearing ratio covenant.

Relevant Bond holders should note that the target gearing range is not a contractual term of the Relevant

Bonds. KPG's target gearing range is determined by KPG at its discretion (subject to the threshold covenant)

and may be changed at any time. There are no consequences under the Master Trust Deed if KPG's actual

gearing is outside its target range.


________________________________________________________________________________________________________________________________________________________

10 Precinct Annual Report 2023 & Precinct Indicative Terms Sheet dated April 2022.

11


Vital Healthcare Annual Report 2023.

12


Property for Industry Annual Report 2022 & Property for Industry Indicative Terms Sheet dated September 2018.

13


Goodman Property Group Annual Report 2023.

14


Stride Property Group Annual Report 2023.

15


Investore Annual Report 2023 & Property for Investore Final Terms Sheet dated February 2022.

16


In FY23 as part of Investore's refinancing, Investore renegotiated its banking covenants with its banking syndicate, removing the covenant relating to the

weighted average lease term of Investore’s portfolio, and reducing the LVR covenant from 65% to 52.5%. Grant Samuel is not aware of this change also being

made to the covenant for the bonds.


12


4.3 Comparable Transaction Evidence

The amendment of terms of publicly listed bonds has not been very common in Australia and New Zealand.

In most situations, the amendment of terms required approval of debt or bond holders by way of a Special

Resolution. A summary of recent transaction evidence is summarised below:

CONSENT FEES OF COMPARABLE TRANSACTIONS

YEAR COMPANY EVENT

CONSENT FEE AS A PERCENTAGE

OF THE BOND’S FACE VALUE

2011 Telecom

Demerger, major transaction

0.50%

2016 NAB Alignment of terms 0.05%

2017 UDC Company divestment condition 0.10%

2017 Transurban Alignment of terms with market and business operations 0.10%

2018 Barminco Company divestment condition 0.25%

2021 Stockland Alignment of terms 0.10%

Average

0.18%

Average (exc Telecom) 0.12%

Median 0.10%

Source: Grant Samuel analysis

17


Further details on these transactions are set out in Appendix A.

KPG’s Proposed Consent Fee is higher than the transaction evidence where the primary purpose of the

transaction was to amend terms to align with existing covenants or to update the terms to better align

with the market.

The consent fees paid by:

§

Telecom reflected the complexity of the transaction, which included a material change in the underlying

business and the assets providing security. If Telecom’s domestic debt security holders did not vote in

favour of Telecom’s proposal, the separation of Telecom into Spark and Chorus may not have proceeded.

§

Barminco reflected that the noteholders consenting to amend the terms of the notes to remove a

condition of Ausdrill’s acquisition of Barminco.

________________________________________________________________________________________________________________________________________________________

17


Grant Samuel’s analysis is based on company announcements.


13


5 Evaluation of the KPG Proposal

In Grant Samuel’s opinion the KPG Proposal is fair and reasonable. A summary of key areas of assessment

to form this opinion are summarised in the points below.

5.1 Aligns the Financial Covenants across KPG’s Interest Bearing Liabilities

§

The Gearing Ratio Amendment will generally align the Gearing Ratio of the Relevant Bonds with the

gearing/LTV covenant ratios that are adopted by comparable listed companies in the New Zealand

market.

§

The Gearing Ratio Amendment will also mean that a maximum Gearing Ratio of 50% will apply to all of

KPG’s Interest Bearing Liabilities.

5.2 KPG operates well withing its existing Financial Covenants

§

Over the last five years KPG’s Gearing Ratio has been between 31.0% and 35.0%, within KPG’s current

target Gearing Ratio range of 25-35% and below the Gearing Ratio threshold covenant of 45%.

§

There is no certainty that KPG will retain this target gearing range band indefinitely in the future. This

target ratio is not a contractual term and is determined by KPG at its discretion. The target Gearing

Ratio is a key variable for S&P’s credit rating for the Relevant Bonds. If KPG elected to increase its target

Gearing Ratio and the capital expenditure outlook remained unchanged, we would expect this would

most likely result in a credit rating downgrade for the Bonds. The KPG Proposal does not trigger an S&P

credit rating review.

§

In the event KPG was at material risk of breaching the Gearing Ratio, we expect that KPG would seek to

implement a range of initiatives to reduce the Gearing Ratio. KPG’s initiatives may include a capital

raise, a reduction in dividend payments and the selling of assets.

§

Based on KPG's forecast Gearing Ratio analysis for the next two years, it would require a material decline

in property values for KPG to exceed the existing 45% Gearing Ratio covenant of the Relevant Bonds.

§

In our opinion, the Gearing Ratio Amendment is unlikely to have any discernible impact on the

tradability and pricing of the Relevant Bonds on the NZX Debt Market.

§

The Gearing Ratio Amendment provides KPG with some additional headroom, including to manage any

further property value declines.

§

In our opinion, the Gearing Ratio Amendment does not materially change the risk profile of the

Relevant Bonds.

5.3 The Consent Fee provides Relevant Bond holders with some compensation for the

change to the Gearing Ratio covenant.

§

If the Special Resolution is passed, KPG will pay a Consent Fee to those Relevant Bond holders that vote

(including by proxy) in favour of the Special Resolution. For those Relevant Bond holders who are

entitled to the Consent Fee, the Consent Fee will be equal to 0.50% of the aggregate principal amount

of the Relevant Bonds ($1.00 per Relevant Bond) they held as at 5.00pm on Wednesday, 18 October

2023.

§

The total cost to KPG of the Consent Fee if the Special Resolution is passed will not exceed $1,875,000

18

.

This cost is ultimately borne by KPG and it does not increase KPG’s credit risk profile.

________________________________________________________________________________________________________________________________________________________

18

Based on 100% voting in favour.


14


§

The Consent Fee is designed to encourage Relevant Bond holders to vote in favour of the Special

Resolution. KPG’s Proposed Consent Fee is higher than the transaction evidence where the primary

purpose of the transaction was to amend terms to align with existing debt facilities or to align the

terms with the market.

KPG’S PROPOSED CONSENT FEE VERSUS THE TRANSACTION EVIDENCE


5.4 Voting for, not voting or voting against the Special Resolution

§

If Relevant Bond holders elect to vote for the Special Resolution and the Special Resolution is passed,

the Relevant Bond holders that voted for the Special Resolution will receive the Consent Fee.

§

If Relevant Bond holders elect to vote against the Special Resolution and the Special Resolution is passed,

the Relevant Bond holders that voted against will not receive the Consent Fee. In this situation the

Relevant Bond holders that elect to vote against the Special Resolution will still be impacted by the

proposed amendments but they will not receive the Consent Fee. The same outcome will apply to

Relevant Bond holders that do not vote.

§

If Relevant Bond holders elect to vote against the Special Resolution and the Special Resolution is not

passed, the status quo will remain and Relevant Bond holders that voted for the Special Resolution will

not receive the Consent Fee.

§

Acceptance or rejection of the KPG Proposal is a matter for individual holders of Relevant Bonds based

on their own views regarding the terms of the KPG Proposal. Holders of Relevant Bonds will need to

consider the consequences of voting for or against the KPG Proposal and, if appropriate, consult their

own professional adviser(s).

GRANT SAMUEL & ASSOCIATES LIMITED

21 September 2023


0.00%

0.05%

0.10%

0.15%

0.20%

0.25%

0.30%

0.35%

0.40%

0.45%

0.50%

NAB

2016

UDC

2017

Transurban

2017

Stockland

2021

Barminco

2018

Telecom

2011

KPG

2023

Consent Fee (%)

AverageAverage (exc Telecom)


15


APPENDIX A – TRANSACTIVE EVIDENCE

2011 – Telecom

On 24 May 2011 Telecom Corporation of New Zealand Limited (Telecom) announced that it was proposing a

demerger of its fixed line access and network infrastructure business to create two separately listed

companies Chorus and Telecom

19

. The demerger was a requirement of entering into an agreement with

Crown Fibre Holdings Limited in relation to the Government’s Ultra Fast Broadband Initiative.

TCNZ Finance Limited, a wholly owned subsidiary of Telecom, was the funding arm for Telecom and its

subsidiaries and had a number of debt instruments on issue denominated in various currencies (the Domestic

Debt Securities).

The demerger was subject to a number of conditions including the approval of Domestic Debt Securities

holders.

Under the proposed demerger, the Domestic Debt Securities became the obligations of Telecom and the

asset base of the guaranteeing group changed significantly when the existing copper and fibre network, the

majority of the exchanges and network electronics were transferred to Chorus. However, offsetting this, the

indebtedness of the guaranteeing group also reduced as a proportion of debt obligations were repaid and/or

transferred to Chorus.

Initially Telecom proposed to pay a one off consent fee of 0.25% of the face value of the debt securities to

Domestic Debt Security holders that vote in favour of the extraordinary resolution, if it is approved and the

proposed demerger subsequently takes place.

After negotiations with Domestic Debt Security holders Telecom increased its Consent fee to 0.50% and

added the following terms to address the potential impact on pricing for a rating downgrade:

§

Spark’s credit ratings from Standard & Poor’s falls to BBB+ and Telecom’s credit rating from Moody’s

falls to Baa1, the interest rate applicable to the bonds existing at the date of the demerger increased by

0.50% per annum; and

§

If Spark’s credit ratings from Standard & Poor’s falls to BBB (or lower) and Telecom’s credit rating from

Moody’s falls to Baa2 (or lower), Telecom proposes that the interest rate applicable to the bonds

existing at the date of the demerger increased by a further 0.50% per annum.

2016 – National Australian Bank

In September 2016 National Australia Bank (NAB) announced that it wanted to align the terms and conditions

of a US$150 million bond with comparable bonds in the market to ensure ongoing cost efficiency of this

funding programme. The changes to the terms and conditions required approval by an Extraordinary

Resolution. Eligible bondholders that voted in favour of the Extraordinary Resolution were paid 0.05% of the

face value of the eligible bonds.

2017 – UDC Finance

In January 2017 ANZ Bank announced it agreed to sell its New Zealand asset finance business, UDC Finance

for NZ$660 million to HNA Group (ultimately, the sale transaction did not complete due to New Zealand's

Overseas Investment Office (OIO) rejecting HNA Group's application). The UDC sale was subject to closing

steps and conditions including engaging with investors on the repayment of UDC secured investments and

regulatory approvals.

The repayment of UDC secured investments was to enable HNA Group to fund UDC using alternative sources

of capital.

________________________________________________________________________________________________________________________________________________________

19

After the Demerger the company name was Telecom. The name of the company changed to Spark in 2014.


16


In 21 June 2017 ANZ held a meeting with UDC secured investment holders to vote on a special resolution to

amend the UDC trust deed which would enable the UDC secured investments to be repaid. The special

resolution was passed and the UDC secured investment holders were given the option to:

§

roll their UDC secured investments into a comparable ANZ product;

§

have their UDC secured investments repaid; or

§

apply the proceeds of the UDC secured investments to subscribe for any new investment that might be

offered by UDC under its HNA ownership.

ANZ paid a success based participation fee of 0.10% of the face value of secured investments on the date on

which the special resolution was passed to UDC secured investment holders that voted at the meeting.

2017 – Transurban

In 2017 Transurban sought the consent of noteholders to amend the security trust deed related to a series

of notes with a face value of approximately NZ$4.7 billion. The Transurban group had undertaken a review

of its corporate financing arrangements and had proposed the relevant amendments to reflect its current

business and to align with market terms. The note documentation contained various impractical and

administratively burdensome provisions, which were no longer considered appropriate for the scale of the

Transurban’s business and operations. The noteholders that approved the amendments received a consent

fee of 0.10% of the face value.

2018 – Barminco

On 15 August 2018, Ausdrill announced the proposed strategic acquisition of Barminco for approximately

A$700 million. The acquisition was subject to several conditions, including the consent of Barminco

noteholders to amend the terms of Barminco’s senior secured notes.

The terms of the notes were changed so that the proposed acquisition of Barminco by Ausdrill would not

constitute a “change of control” event. The consent was conditional on completion of the acquisition and

payment by Barminco of a 0.25% consent fee to noteholders.

2021 - Stockland Trust Management Limited

In early 2019 Australian listed property company Stockland announced that it intended to modify the terms

and conditions of its debt securities. The intention of these changes was to align the terms and conditions

with Stockland’s new bank debt documentation and covenant package which was more closely with market

precedents.

Stockland offered note holders that voted in favour of the extraordinary resolution an early consent fee of

0.10%. Note holders that voted against the extraordinary resolution did not receive any payment.











17


APPENDIX B – QUALIFICATIONS, DECLARATIONS AND CONSENTS


1. Qualifications

The Grant Samuel group of companies provides corporate advisory services in relation to mergers and acquisitions,

capital raisings, corporate restructuring and financial matters generally. One of the primary activities of Grant

Samuel is the preparation of corporate and business valuations and the provision of independent advice and

expert’s reports in connection with mergers and acquisitions, takeovers and capital reconstructions. Since

inception in 1988, Grant Samuel and its related companies have prepared more than 400 public expert and

appraisal reports.


The persons responsible for preparing this report on behalf of Grant Samuel are Michael Lorimer, BCA, Simon

Cotter, BCom, MAppFin, and Christopher Smith, BCom, PGDipFin, MAppFin. Each has a significant number of years

of experience in relevant corporate advisory matters.


2. Limitations and Reliance on Information

Grant Samuel’s opinion is based on economic, market and other conditions prevailing at the date of this report.

Such conditions can change significantly over relatively short periods of time. The report is based upon financial

and other information provided by the director and management of KPG. Grant Samuel has considered and relied

upon this information. Grant Samuel believes that the information provided was reliable, complete and not

misleading and has no reason to believe that any material facts have been withheld.


The information provided has been evaluated through analysis, enquiry, and review for the purposes of forming

an opinion as to the KPG Proposal. However in such assignments time is limited and Grant Samuel does not

warrant that these inquiries have identified or verified all of the matters which an audit, extensive examination or

“due diligence” investigation might disclose.


Grant Samuel has not undertaken a due diligence investigation of KPG. In addition, preparation of this report does

not imply that Grant Samuel has audited in any way the management accounts or other records of KPG. It is

understood that, where appropriate, the accounting information provided to Grant Samuel was prepared in

accordance with generally accepted accounting practice and in a manner consistent with methods of accounting

used in previous years.


An important part of the information base used in forming an opinion of the kind expressed in this report is the

opinions and judgement of the management of the relevant enterprise. That information was also evaluated

through analysis, enquiry and review to the extent practicable. However, it must be recognised that such

information is not always capable of external verification or validation.


The information provided to Grant Samuel included projections of future revenues, expenditures, profits and cash

flows of KPG prepared by the management of KPG. Grant Samuel has used these projections for the purpose of

its analysis. Grant Samuel has assumed that these projections were prepared accurately, fairly and honestly based

on information available to management at the time and within the practical constraints and limitations of such

projections. It is assumed that the projections do not reflect any material bias, either positive or negative. Grant

Samuel has no reason to believe otherwise.


However, Grant Samuel in no way guarantees or otherwise warrants the achievability of any projections for KPG.

Projections are inherently uncertain. Projections are predictions of future events that cannot be assured and are

necessarily based on assumptions, many of which are beyond the control of management. The actual future

results may be significantly more or less favourable.



18


To the extent that there are legal issues relating to assets, properties, or business interests or issues relating to

compliance with applicable laws, regulations, and policies, Grant Samuel assumes no responsibility and offers no

legal opinion or interpretation on any issue. In forming its opinion, Grant Samuel has assumed, except as

specifically advised to it, that:

§

the title to all such assets, properties, or business interests purportedly owned by KPG is good and

marketable in all material respects, and there are no material adverse interests, encumbrances, engineering,

environmental, zoning, planning or related issues associated with these interests, and that the subject assets,

properties, or business interests are free and clear of any and all material liens, encumbrances or

encroachments other than those created by the GSD and the other security documents described in this

report);

§

there is compliance in all material respects with all applicable national and local regulations and laws, as well

as the policies of all applicable regulators other than as publicly disclosed, and that all required licences,

rights, consents, or legislative or administrative authorities from any government, private entity, regulatory

agency or organisation have been or can be obtained or renewed for the operation of the business of KPG,

other than as publicly disclosed; and

§

there are no material legal proceedings regarding the business, assets or affairs of KPG, other than as publicly

disclosed.


3. Disclaimers

It is not intended that this report should be used or relied upon for any purpose other than as an expression of

Grant Samuel’s opinion that the KPG Proposal is fair and reasonable.


Grant Samuel expressly disclaims any liability to any Relevant Bond holder who relies or purports to rely on the

report for any other purpose and to any other party who relies or purports to rely on the report for any purpose

whatsoever.


This report has been prepared by Grant Samuel with care and diligence and the statements and opinions given by

Grant Samuel in this report are given in good faith and in the belief on reasonable grounds that such statements

and opinions are correct and not misleading. However, no responsibility is accepted by Grant Samuel or any of its

officers or employees for errors or omissions however arising in the preparation of this report, provided that this

shall not absolve Grant Samuel from liability arising from an opinion expressed recklessly or in bad faith.


Grant Samuel has had no involvement in the preparation of the Notice of Meeting issued by KPG and has not

verified or approved any of the contents of the Notice of Meeting. Grant Samuel does not accept any responsibility

for the contents of the Notice of Meeting (except for this report).


4. Independence

Grant Samuel and its related entities do not have any shareholding in or other relationship or conflict of interest

with KPG that could affect its ability to provide an unbiased opinion in relation to the KPG Proposal. Grant Samuel

had no part in the formulation of the KPG Proposal. Its only role has been the preparation of this report. Grant

Samuel will receive a fixed fee for the preparation of this report. This fee is not contingent on the outcome of the

KPG Proposal. Grant Samuel will receive no other benefit for the preparation of this report.


5. Information

Grant Samuel has obtained all the information that it believes is desirable for the purposes of preparing this report.

Grant Samuel confirms that in its opinion the information provided by KPG and contained within this report is

sufficient to enable Relevant Bond holders to understand all relevant factors and make an informed decision in

respect of the KPG Proposal. The following information was used and relied upon in preparing this report:


19



5.1 Publicly Available Information

§

KPG Annual Reports 2019 to 2023;

§

KPG Investor Presentations;

§

KPG060 Bond Product Disclosure Statement;

§

Master Trust Deed;

§

S&P Global Ratings Research Update KPG 27 June 2023;

§

Annual Reports of comparable listed companies; and

§

Broker research, industry reports and press articles.


5.2 Non Public Information

§

Notice of Meeting for the KPG Proposal;

§

KPG cash flow forecast analysis;

§

Security Trust Deed;

§

Supplemental Trust Deeds;

§

Terms of Mortgage; and

§

Global Security Deed.

6. Declarations

KPG has agreed to indemnify Grant Samuel and its employees and officers for time spent producing documents

for, giving evidence in, responding to, or defending, and reasonable legal costs and expenses incurred in relation

to, any inquiry or proceeding initiated by any person as a result of or in connection with this report or the services

provided by Grant Samuel in connection with this report. Where Grant Samuel is found to have been negligent

or engaged in misconduct Grant Samuel shall reimburse KPG the proportion of such amount paid by KPG that is

attributable to the negligence or misconduct. Any claims by KPG or Grant Samuel are limited to an amount equal

to the fees paid to Grant Samuel.


Advance drafts of this report were provided to the executive management of KPG. Certain changes were made to

the drafting of the report as a result of the circulation of the draft reports. There was no alteration to the

methodology, evaluation, conclusions or opinions as a result of issuing the drafts.


7. Consents

Grant Samuel consents to the issuing of this report in the form and context in which it is to be included with the

Notice of Meeting to be sent to Relevant Bond holders. Neither the whole nor any part of this report nor any

reference thereto may be included in any other document without the prior written consent of Grant Samuel as

to the form and context in which it appears.

Data sourced from publicly available filings. Our datasets may not be complete. Automated analysis can produce errors. If you believe any data on this page is incorrect, please contact us at hello@nzxplorer.co.nz. For informational purposes only. Not investment advice.

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