Infratil Limited/Announcement
Infratil Limited logo

Lodgement of Product Disclosure Statement for Capital Bond

Debt Issuance25 May 2026IFTUtilities

Infratil Limited 5 Market Lane, PO Box 320, Wellington 6140, New Zealand Tel +64 4 473 3663 www.infratil.com







26 May 2026


Infratil Lodges Product Disclosure Statement for Capital Bond Offer


Infratil Limited (Infratil) today lodged a product disclosure statement (PDS) for a proposed offer (Offer) of up

to $150 million (with the ability to accept oversubscriptions at Infratil's discretion) unsecured, subordinated,

repayable, cumulative, interest-bearing capital bonds maturing on 15 June 2057 (Capital Bonds) to investors

in New Zealand.


The Capital Bonds will have a term of 31 years. Infratil may choose to repay some or all of the Capital Bonds

early in certain circumstances, including on any Reset Date (6 years after the Issue Date and every 5 years

after that).


The Interest Rate will be fixed for an initial period of 6 years, after which it will be reset on each Reset Date.

Infratil may, in its absolute discretion, defer any payment of interest on the Capital Bonds for up to 5 years.

If any interest payment is deferred, the unpaid interest will remain owing and will itself accrue interest.


The Capital Bonds have an issue credit rating of BBB- from S&P Global Ratings (S&P). The issue credit

rating of the Capital Bonds is two notches below Infratil's issuer credit rating of BBB+ from S&P, reflecting

their subordination and the potential for interest payments to be deferred.


The Offer is expected to open on 2 June 2026, and the indicative Margin range and the Minimum Initial

Interest Rate will be announced on or about this date. The Offer is expected to close at 11:00am on 5 June

2026, and the Margin and the initial Interest Rate will be announced on or about that date. The Capital Bonds

are expected to be issued on 15 June 2026 and quoted on the NZX Debt Market on 16 June 2026.


Details of the Offer and the Capital Bonds are contained in the PDS, which is attached to this announcement

and available on the Disclose Register maintained by the Companies Office at www.disclose-

register.companiesoffice.govt.nz (offer number OFR15093). A copy of the PDS can also be obtained from

the Joint Lead Managers, other Primary Market Participants or your usual financial advice provider.


Investors can register their interest in the Offer by contacting a Joint Lead Manager or their usual financial

adviser. Indications of interest will not constitute an obligation or commitment of any kind.


No money is currently being sought and applications for the Capital Bonds cannot currently be made. If

Infratil offers the Capital Bonds, the Offer will be made in accordance with the Financial Markets Conduct Act

2013.


Arranger and Joint Lead Manager:

Bank of New Zealand


Joint Lead Managers:

Craigs Investment Partners Limited

Forsyth Barr Limited


Enquiries should be directed to:

Tom Robertson

Infratil Treasurer

Phone: +64 4 550 5432

Email: Tom.Robertson@infratil.com


Authorised for release by:

Brendan Kevany

Infratil Company Secretary

---

1
Arranger and Joint Lead ManagerJoint Lead Managers

PRODUCT

DISCLOSURE

STATEMENT

For an offer of Capital Bonds by Infratil Limited

Dated: 26 May 2026

This document gives you important information about this investment to help you decide whether you want to invest. There is other useful

information about this offer on www.disclose-register.companiesoffice.govt.nz. Infratil Limited has prepared this document in accordance with

the Financial Markets Conduct Act 2013. You can also seek advice from a financial advice provider to help you to make an investment decision.

Infratil Product Disclosure Statement
2

1 Key information summary

What is this?

This is an offer (Offer) of unsecured, subordinated,

repayable, cumulative, interest-bearing capital bonds

(Capital Bonds). The Capital Bonds are debt

securities issued by Infratil Limited (Infratil). You

give Infratil money, and in return Infratil promises to

pay you interest and repay the money at the end of

the term. If Infratil runs into financial trouble, you

might lose some or all of the money you invested.

About the Infratil Group

Infratil and its subsidiaries make up the Infratil

Group. Infratil is an infrastructure investment

company, and its operations comprise the investment

into, and subsequent management of, infrastructure

businesses. The day-to-day management of Infratil

has been delegated to Morrison. As at the date of

this product disclosure statement (PDS), Infratil owns

a portfolio of infrastructure investments across four

sectors: digital infrastructure, renewable energy,

healthcare and airports.

Infratil is listed on the NZX Main Board and has a

foreign exempt listing on the ASX. Infratil's ordinary

shares are quoted under the ticker code IFT. As at

the close of the Business Day before the date of this

PDS, Infratil had a market capitalisation on the NZX

Main Board of approximately NZ$16 billion.

Purpose of this Offer

The purpose of this Offer is to raise money for the

general corporate purposes of the Infratil Group.

Key terms of the Offer

Capitalised terms are defined in section 15 of this PDS (Glossary).


Description of the debt securities Unsecured, subordinated, repayable, cumulative, interest-bearing capital

bonds.

Term 31 years, ending on 15 June 2057 (Maturity Date) unless repaid earlier.

Offer amount Up to NZ$150 million, with the ability to accept oversubscriptions at Infratil's

discretion.

Issue Price and Principal Amount NZ$1.00 per Capital Bond.

Minimum subscription amount NZ$5,000 and in multiples of NZ$1,000 after that.

Opening Date Tuesday, 2 June 2026

Closing Date 11:00am on Friday, 5 June 2026

Issue Date Monday, 15 June 2026

Interest Rate The Interest Rate will be fixed for an initial period of 6 years, after which it

will be reset on each Reset Date.

The Interest Rate from the Issue Date until the First Reset Date (15 June

2032) will be a fixed rate equal to the greater of:

 the sum of the Initial Swap Rate (a reference rate for a 6 year period)

on the Rate Set Date (5 June 2026) plus the Margin; and

 the Minimum Initial Interest Rate.

The Interest Rate will reset on each Reset Date to be a fixed rate equal to

the sum of the 5 Year Swap Rate (a reference rate for a 5 year period) on

the Reset Date plus the Margin plus the Step-up Margin.

See section 5.2 of this PDS (Interest) for more information.

Interest Payment Dates Interest is scheduled to be paid quarterly in arrear on 15 March, 15 June,

15 September and 15 December of each year during the term of the Capital

Bonds and on the date on which your Capital Bonds are repaid. The first

Interest Payment Date is 15 September 2026.

Infratil Product Disclosure Statement
3

Discretionary deferral of interest Infratil may, in its absolute discretion, defer any payment of interest on the

Capital Bonds (except any interest that is due to be paid when the Capital

Bonds are repaid) for up to 5 years. If any interest payment is deferred,

the unpaid interest will remain owing and will itself accrue interest.

See section 5.2 of this PDS (Interest) for more information.

Election Process Infratil may run an Election Process in respect of each Reset Date. Under

an Election Process, Infratil may propose new conditions to apply to the

Capital Bonds from the Reset Date. If this occurs, you may elect to accept

or reject the new conditions in respect of all or some of your Capital Bonds.

See section 5.6 of this PDS (Election Process) for more information.

Further payments, fees and

charges

You are not required to pay brokerage or any other fees or charges to

Infratil to subscribe for Capital Bonds. However, you may have to pay

brokerage or other fees or charges to the Bookbuild participant that you

subscribe for Capital Bonds through.

No guarantee

Infratil is the issuer of the Capital Bonds and is solely

responsible for paying interest on the Capital Bonds

and for repaying the Capital Bonds. The Capital

Bonds are not guaranteed by any member of the

Infratil Group or any other person.

How you can get your money out early

Repayment of your Capital Bonds

The Capital Bonds are a long-term investment with a

term of 31 years. Infratil must repay all of the Capital

Bonds on the Maturity Date or if an Event of Default

occurs.

Infratil may repay all or some of your Capital Bonds

early:

 on any Reset Date;

 on any date falling in the period of three months

prior to the First Reset Date;

 on any Interest Payment Date after a Reset Date

if Infratil did not run an Election Process in

respect of the Reset Date or the Election

Process in respect of the Reset Date was

unsuccessful; or

 at any time if a Tax Event or Rating Agency

Event occurs.

Infratil may repay all of your Capital Bonds early at

any time if there are less than 100,000,000 Capital

Bonds on issue.

You have no right to require that your Capital Bonds

be repaid early unless an Event of Default has

occurred.

See section 5.3 of this PDS (Repayment) for more

information.

Sale on NZX Debt Market

Infratil intends to quote these Capital Bonds on the

NZX Debt Market. This means you may be able to

sell them on the NZX Debt Market before the end of

their term if there are interested buyers. If you sell

your Capital Bonds, the price you get will vary

depending on factors such as the financial condition

of the Infratil Group and movements in the market

interest rates. You may receive less than the full

amount that you paid for them.

How Capital Bonds rank for repayment

In a liquidation of Infratil, each of your Capital Bonds

gives you the right to payment of an amount equal to

the Principal Amount plus all accrued but unpaid

interest. However, in a liquidation of Infratil, it is

unlikely that there will be surplus assets available for

the liquidator to pay all amounts owing to you in

respect of your Capital Bonds.

Your right to payment of this amount will rank:

 behind the claims of all creditors of Infratil,

except for the claims and rights described in the

bullet points below;

 equally with the claims of other holders of the

Capital Bonds and holders of any other

securities or obligations of Infratil that rank

equally with the Capital Bonds; and

 ahead of the rights of Infratil's shareholders and

holders of any other securities or obligations of

Infratil that rank behind the Capital Bonds.

Section 5.7 of this PDS (Ranking) explains how the

Capital Bonds rank in a liquidation of the Infratil

Group.

No security

The Capital Bonds are not secured against any asset

of Infratil or any other person.

Key risks affecting this investment

Investments in debt securities have risks. A key risk

is that Infratil does not meet its commitments to repay

you or pay you interest (credit risk). Section 6 of this

PDS (Risks of investing) discusses the main factors

that give rise to the risk. You should consider if the

credit risk of these debt securities is suitable for you.

The interest rate for these Capital Bonds should also

reflect the degree of credit risk. In general, higher

returns are demanded by investors from businesses

with higher risk of defaulting on their commitments.

You need to decide whether the Offer is fair.

Infratil Product Disclosure Statement
4

Infratil considers that the most significant risk factors

are:

 Infratil is a holding company that does not

generate material operating cash flows itself. Its

primary source of cash flows to meet its

obligations, including making payments on the

Capital Bonds, is the distributions that it receives

from the companies it has invested in.

 Infratil's investment portfolio is concentrated in a

small number of sectors, jurisdictions and

investments. This concentration exposes Infratil

to a disproportionate risk that one or more

sectors, jurisdictions or investments experiences

a sustained decline in performance or outlook,

operational issues, valuation declines or

refinancing stress. In particular, Infratil's

investment in CDC represents a material

proportion of Infratil's investment portfolio, which

disproportionately exposes Infratil to risks

affecting CDC, including regulatory,

counterparty and technology risk.

 Several of the companies that Infratil has

invested in are in a capital-intensive

development phase. Development activities

carry inherent risks, including changes in the

competitive or regulatory environment, forecast

demand not eventuating and a material increase

in development or operating costs which cannot

be passed on to customers.

 Infratil may fail to execute its investment

strategy, which could reduce distributions it

receives from the companies Infratil has

invested in, adversely affect the valuation of the

investment portfolio, delay the disposal of

investments or require additional investment by

Infratil.

 Infratil's assets consist predominantly of unlisted

equity securities in infrastructure businesses.

These assets are inherently illiquid and asset

realisations may only be achievable over

extended timeframes. Market valuations of the

companies in which Infratil has invested may

also be subject to greater volatility during periods

of market stress, higher interest rates or adverse

market sentiment.

If one or more of these risks eventuate, either

individually or in combination, the detrimental impact

on the Infratil Group's financial performance and

creditworthiness may in turn:

 adversely affect the market price and liquidity of

the Capital Bonds; and/or

 result in Infratil deferring interest or not making a

payment on the Capital Bonds when due or at

all.

This summary does not cover all of the risks of

investing in the Capital Bonds. You should also read

section 5 (Key features of the Capital Bonds) and

section 6 (Risks of investing) of this PDS.

What is the Capital Bonds' credit rating?

A credit rating is an independent opinion of the capability and willingness of an entity to repay its debts (in other

words, its creditworthiness). It is not a guarantee that the financial product being offered is a safe investment. A

credit rating should be considered alongside all other relevant information when making an investment decision.

The Capital Bonds have been rated by S&P Global Ratings Australia Pty Limited (S&P Global Ratings). S&P

Global Ratings gives ratings from "AAA" through to "C", excluding ratings attached to entities in default, as set out

in the table below. Ratings from AA to CCC may be modified by the addition of a plus (+) or minus (-) sign to show

relative standing within the rating categories.

As at the date of this PDS, the Capital Bonds have an issue credit rating of BBB- from S&P Global Ratings.


S&P Global

Ratings

issue credit

ratings

AAA AA A BBB

Credit

rating for

the Capital

Bonds

BBB-

BB B CCC CC C

Summary

description

of S&P

Global

Ratings

issue credit

ratings

Capacity of the issuer to meet its financial

commitments on the obligation

Vulnerability of the obligation to non-payment

Extremely

strong

Very

strong

Strong Adequate Less

vulnerable

More

vulnerable

Currently

vulnerable

Highly

vulnerable

Currently

highly

vulnerable


Where you can find other market information

about Infratil

This is a short-form offer document that Infratil is

permitted to use because the Capital Bonds will rank

in priority to existing quoted products of Infratil. The

existing quoted products are Infratil's ordinary

shares, which are quoted on the NZX Main Board

under the ticker code IFT.

Infratil is subject to a disclosure obligation that

requires it to notify certain material information to

NZX for the purpose of that information being made

available to participants in the market and that

information can be found by visiting

www.nzx.com/companies/IFT.

Infratil Product Disclosure Statement
5

Table of contents


1 Key information summary 2

2 Key dates and Offer process 6

3 Terms of the Offer 7

4 Purpose of the Offer 10

5 Key features of the Capital Bonds 11

6 Risks of investing 20

7 Tax 24

8 Tax consequences for overseas Bondholders 24

9 Selling restrictions and indemnity 24

10 Who is involved? 25

11 How to complain 25

12 Where you can find more information 26

13 How to apply 26

14 Contact information 27

15 Glossary 28

Infratil Product Disclosure Statement
6

2 Key dates and Offer process


Opening Date Tuesday, 2 June 2026

The indicative Margin range and the Minimum Initial Interest Rate will be

announced via NZX on or about this date.

Closing Date 11:00am on Friday, 5 June 2026

Rate Set Date Friday, 5 June 2026

Issue Date Monday, 15 June 2026

Expected Date of Initial Quotation

on the NZX Debt Market

Tuesday, 16 June 2026

Interest Payment Dates 15 March, 15 June, 15 September and 15 December of each year during

the term of the Capital Bonds and on the date on which your Capital Bonds

are repaid.

First Interest Payment Date 15 September 2026

First Reset Date 15 June 2032

Maturity Date 15 June 2057

The Opening Date, Closing Date, Rate Set Date, Issue Date and other dates are indicative only and Infratil may

change the dates set out in this PDS. Infratil has the right in its absolute discretion and without notice to close the

Offer early, to extend the Closing Date, or to choose not to proceed with the Offer and the issue of the Capital

Bonds. Infratil will announce any changes to the dates set out in this PDS via NZX as soon as possible.

Infratil Product Disclosure Statement
7

3 Terms of the Offer

3.1 Description of the Capital Bonds

Issuer Infratil Limited.

Description of the debt securities Unsecured, subordinated, repayable, cumulative, interest-bearing capital

bonds.

Term 31 years, ending on the Maturity Date (15 June 2057) unless repaid earlier.

Interest Rate The Interest Rate will be fixed for an initial period of 6 years, after which it

will be reset on each Reset Date.

The Interest Rate from the Issue Date until the First Reset Date (15 June

2032) will be a fixed rate equal to the greater of:

 the sum of the Initial Swap Rate on the Rate Set Date (5 June 2026)

plus the Margin; and

 the Minimum Initial Interest Rate.

The Interest Rate will reset on each Reset Date to be a fixed rate equal to

the sum of the 5 Year Swap Rate on the Reset Date plus the Margin plus

the Step-up Margin.

See section 5.2 of this PDS (Interest) for more information.

Interest Payment Dates Interest is scheduled to be paid quarterly in arrear on 15 March, 15 June,

15 September and 15 December of each year during the term of the Capital

Bonds and on the date on which your Capital Bonds are repaid. The first

Interest Payment Date is 15 September 2026.

Discretionary deferral of interest Infratil may, in its absolute discretion, defer any payment of interest on the

Capital Bonds (except any interest that is due to be paid when the Capital

Bonds are repaid) for up to 5 years. If any interest payment is deferred,

the unpaid interest will remain owing and will itself accrue interest. Deferral

of interest is not an Event of Default.

See section 5.2 of this PDS (Interest) for more information.

Reset Dates The First Reset Date for the Capital Bonds is 15 June 2032, being the date

that is 6 years after the Issue Date. There is a further Reset Date every 5

years after that.

Repayment Infratil must repay all of the Capital Bonds:

 on the Maturity Date; or

 on the Business Day following an Event of Default,

unless repaid earlier.

Infratil may choose to repay all or some of your Capital Bonds early:

 on any Reset Date;

 on any date falling in the period of three months prior to the First Reset

Date;

 on any Interest Payment Date after a Reset Date if Infratil did not run

an Election Process in respect of the Reset Date or the Election

Process in respect of the Reset Date was unsuccessful; or

 at any time if a Tax Event or Rating Agency Event occurs.

Infratil may choose to repay all (but not some only) of your Capital Bonds

early at any time if there are less than 100,000,000 Capital Bonds on issue.

You have no right to require that your Capital Bonds be repaid early unless

an Event of Default has occurred.

See section 5.3 of this PDS (Repayment) for more information, including

the amount that is payable to you when your Capital Bonds are repaid.

Infratil Product Disclosure Statement
8

Ranking of Capital Bonds In a liquidation of Infratil, each of your Capital Bonds rank as unsecured,

subordinated obligations of Infratil, and your claim will rank behind

unsubordinated creditors of Infratil (including holders of Infrastructure

Bonds, claims of senior creditors of Infratil Finance who benefit from a

guarantee from Infratil and any amounts owing to unsubordinated general

and trade creditors, as well as indebtedness preferred by law and secured

indebtedness).

See section 5.7 of this PDS (Ranking) for more information.

Election Process Infratil may run an Election Process in respect of each Reset Date.

Under an Election Process, Infratil may propose new conditions to apply to

the Capital Bonds from the Reset Date. If this occurs, you may elect to

accept or reject the new conditions in respect of all or some of your Capital

Bonds.

Infratil will determine, in its absolute discretion, whether the Election

Process has been successful.

In the case of a successful Election Process:

 the new conditions will apply to the Capital Bonds from the Reset Date;

 Infratil will purchase any Capital Bonds in respect of which you rejected

the new conditions on the Reset Date; and

 if Infratil has set up a resale facility to sell the Capital Bonds it has

purchased to other investors, any sales arranged through the resale

facility will take effect on the Reset Date.

In the case of an unsuccessful Election Process:

 the existing conditions will continue to apply to the Capital Bonds;

 your Capital Bonds will remain outstanding; and

 any sales arranged through a resale facility will be cancelled.

See section 5.6 of this PDS (Election Process) for more information.

3.2 Description of the Offer

Offer amount Up to NZ$150 million of Capital Bonds, with the ability to accept

oversubscriptions at Infratil's discretion.

Issue Price and Principal Amount NZ$1.00 per Capital Bond.

Minimum subscription amount NZ$5,000 and in multiples of NZ$1,000 after that.

Opening Date, Closing Date and

Issue Date

See section 2 of this PDS (Key dates and Offer process).

How to apply There is no public pool of Capital Bonds for the Offer. You can only apply

for Capital Bonds if you are a client of a Joint Lead Manager or other

Primary Market Participant or approved financial intermediary invited to

participate in the Bookbuild. Application instructions are set out in section

13 of this PDS (How to apply).

Further payments, fees and

charges

You are not required to pay brokerage or any other fees or charges to

Infratil to subscribe for Capital Bonds. However, you may have to pay

brokerage or other fees or charges to the Bookbuild participant that you

subscribe for Capital Bonds through.

Allocation of Capital Bonds Following the Bookbuild, Infratil will allocate the Capital Bonds to the

successful Bookbuild participants. Those participants will in turn be solely

responsible for allocating the Capital Bonds to individual investors.

Infratil Product Disclosure Statement
9

Offer in New Zealand This PDS only constitutes an offer of Capital Bonds to investors in New

Zealand in accordance with the selling restrictions contained in section 9 of

this PDS (Selling restrictions and indemnity).

By subscribing for Capital Bonds, you agree to comply with the selling

restrictions and to indemnify Infratil, the Supervisor, the Registrar, the

Arranger and each Joint Lead Manager (and their respective directors,

officers, employees, agents and advisers) in respect of any loss, cost,

liability or expense sustained or incurred as a result of you breaching the

selling restrictions contained in section 9 of this PDS (Selling restrictions

and indemnity).

Governing law The Capital Bonds, the Trust Deed and the Offer are governed by New

Zealand law.

3.3 Trading your Capital Bonds on the NZX Debt Market

Infratil will take all steps necessary to ensure that the Capital Bonds are quoted on the NZX Debt Market. NZX

ticker code IFT380 has been reserved for the Capital Bonds. NZX takes no responsibility for the content of this

PDS. NZX is a licensed market operator, and the NZX Debt Market is a licensed market, under the Financial

Markets Conduct Act 2013.

To be eligible to trade your Capital Bonds on the NZX Debt Market, you must have an account with a Primary

Market Participant, a common shareholder number (CSN) and an authorisation code. If you do not have an account

with a Primary Market Participant, you should be aware that opening an account can take a number of days

depending on the Primary Market Participant's new client procedures.

If you do not have a CSN, you will be automatically assigned one if you invest in Capital Bonds. If you do not have

an authorisation code, it is expected that you will be sent one by the Registrar. If you have an account with a

Primary Market Participant and have not received an authorisation code by the date you want to trade your Capital

Bonds, your Primary Market Participant can arrange to obtain your authorisation code from the Registrar. Your

Primary Market Participant will be charged a fee for requesting your authorisation code from the Registrar and may

pass this cost on to you.

You may only transfer your Capital Bonds in aggregate Principal Amount multiples of NZ$1,000, and following any

transfer you and the transferee must each hold Capital Bonds with an aggregate Principal Amount of no less than

NZ$5,000, or no Capital Bonds.

You will likely have to pay brokerage on any transfer of Capital Bonds you make through a Primary Market

Participant.

3.4 Trust Deed

The terms and conditions of the Capital Bonds are set out in the Trust Deed. Bondholders are bound by, and

deemed to have notice of, and acknowledge and agree to the terms of, the Trust Deed.

You can obtain a copy of the Trust Deed from the Disclose Register at www.disclose-

register.companiesoffice.govt.nz (offer number OFR15093).

Infratil Product Disclosure Statement
10

4 Purpose of the Offer

The proceeds of the Offer will be used for the general corporate purposes of the Infratil Group. The use of the

money raised under the Offer will not change depending on the total amount that is raised. The Offer is not

underwritten.

All of the proceeds of the Offer will be lent by Infratil to Infratil Finance. Infratil Finance is a wholly owned subsidiary

of Infratil and acts as the intra-group funding vehicle for the Infratil Group. Infratil Finance receives loans from

Infratil, other members of the Infratil Group and external creditors, and makes loans to other members of the Infratil

Group. The Offer is not being made to obtain funding for any particular member or members of the Infratil Group.

Infratil Product Disclosure Statement
11

5 Key features of the Capital Bonds

5.1 General

A number of the key features of the Capital Bonds are described in section 3 of this PDS (Terms of the Offer). Other

key features of the Capital Bonds and more information about some of the key features described in section 3 of

this PDS (Terms of the Offer) are described below.

The information in this section summarises certain terms of the Trust Deed. You can obtain a copy of the Trust

Deed from the Disclose Register at www.disclose-register.companiesoffice.govt.nz (offer number OFR15093).

5.2 Interest

This section 5.2 explains when interest is payable, how the Interest Rate is determined and how interest payments

are calculated.

Interest Payment Dates Interest is scheduled to be paid quarterly in arrear on 15 March, 15 June,

15 September and 15 December of each year during the term of the Capital

Bonds and on the date on which your Capital Bonds are repaid. The first

Interest Payment Date is 15 September 2026.

The Interest Payment Dates are subject to the Business Day convention

described in section 5.5 of this PDS (Payments).

Calculation of interest payments Interest will be payable in equal amounts on each scheduled Interest

Payment Date.

If the Capital Bonds are repaid on a date that is not a scheduled Interest

Payment Date, the interest payable on the date of repayment will be

calculated on the basis of the number of days from (and including) the

previous Interest Payment Date to (but excluding) the date of repayment.

Discretionary deferral of interest Infratil may, in its absolute discretion, defer any payment of interest on the

Capital Bonds for up to 5 years. If any interest payment is deferred, the

unpaid interest will remain owing and will itself accrue interest.

Infratil's right to defer interest does not apply to interest that is due to be

paid on the Maturity Date or on any date on which Infratil has elected to

repay Capital Bonds early.

Deferral of interest is not an Event of Default.

Payment of unpaid interest If an interest payment has been deferred, Infratil:

 may, in its absolute discretion, pay all or part of the unpaid interest on

any subsequent Interest Payment Date; and

 must pay in full any unpaid interest that remains outstanding on the

earlier of the


fifth anniversary of the Interest Payment Date on which

the deferral of the relevant interest payment occurred, the Maturity

Date and any date on which Infratil has elected to repay Capital Bonds

early.

Interest Rate The Interest Rate will be fixed for an initial period of 6 years, after which it

will be reset on each Reset Date.

The Interest Rate from the Issue Date until the First Reset Date (15 June

2032) will be a fixed rate equal to the greater of:

 the sum of the Initial Swap Rate on the Rate Set Date (5 June 2026)

plus the Margin; and

 the Minimum Initial Interest Rate.

The indicative Margin range and the Minimum Initial Interest Rate will be

announced by Infratil via NZX on or about the Opening Date (2 June 2026).

The initial Interest Rate and the Margin will be determined by Infratil

following the Bookbuild on the Rate Set Date and will be announced by

Infratil via NZX on or about that date.

Infratil Product Disclosure Statement
12

The Interest Rate will reset on each Reset Date to be a fixed rate equal to

the sum of the 5 Year Swap Rate on the Reset Date plus the Margin plus

the Step-up Margin.

When the Interest Rate is reset, the new Interest Rate will be announced

by Infratil via NZX on or about the date it is reset.

Reset Dates The First Reset Date is 15 June 2032 and subsequent Reset Dates will

occur every 5 years after that date.

Minimum Initial Interest Rate The Minimum Initial Interest Rate is the minimum Interest Rate that may

apply for the first 6 years until the First Reset Date (15 June 2032). The

Minimum Initial Interest Rate will be announced by Infratil via NZX on or

about the Opening Date (2 June 2026).

The Minimum Initial Interest Rate only applies to the determination of the

initial Interest Rate from the Issue Date until the First Reset Date (15 June

2032). It does not apply to the determination of the Interest Rate when it is

reset on any Reset Date.

Swap rate A swap rate is a reference rate commonly used in New Zealand by major

financial institutions.

The Initial Swap Rate is a reference rate for a 6 year period. The Initial

Swap Rate will be determined on the Rate Set Date.

The 5 Year Swap Rate is a reference rate for a 5 year period. The 5 Year

Swap Rate will be determined on the relevant Reset Date.

Swap rates change to reflect market conditions over time, so the relevant

swap rate will likely vary each time the Interest Rate is reset.

Margin The Margin is the rate (expressed as a percentage per annum) determined

by Infratil, in consultation with the Joint Lead Managers, through the

Bookbuild. The Margin will be announced by Infratil via NZX on or about

the Rate Set Date.

Step-up Margin 0.25% per annum.

Distribution Stopper While any unpaid interest is outstanding, Infratil must not (unless approved

by an Extraordinary Resolution of Bondholders):

 pay any dividend on, or make any other distribution in respect of, any

of its ordinary shares or other securities or obligations that rank, in

liquidation, behind the Capital Bonds;

 acquire, redeem or repay any of its ordinary shares or other securities

or obligations that rank, in liquidation, behind the Capital Bonds; or

 provide financial assistance for the acquisition of any of its ordinary

shares or other securities or obligations that rank, in liquidation,

behind the Capital Bonds.

These restrictions are referred to as the "Distribution Stopper".

5.3 Repayment

Your Capital Bonds are a long-term investment with a term of 31 years. However, Infratil may repay your Capital

Bonds early in certain circumstances. This section 5.3 contains further detail on when Infratil may repay your

Capital Bonds.

Mandatory repayment Infratil must repay all the Capital Bonds on the Maturity Date.

If an Event of Default occurs, Infratil must repay all the Capital Bonds on

the Business Day following the Event of Default.

The Events of Default are summarised in section 5.4 of this PDS (Events

of Default).

Early repayment Infratil may choose to repay all or some of your Capital Bonds early in

certain circumstances.

Infratil Product Disclosure Statement
13

Infratil may repay all or some of your Capital Bonds:

 on any Reset Date;

 on any date falling in the period of three months prior to the First Reset

Date;

 on any Interest Payment Date after a Reset Date if Infratil did not run

an Election Process in respect of the Reset Date or the Election

Process in respect of the Reset Date was unsuccessful; or

 at any time if a Tax Event or Rating Agency Event occurs.

Infratil may choose to repay all (but not some only) of your Capital Bonds

at any time if there are less than 100,000,000 Capital Bonds on issue.

If Infratil chooses to repay some but not all of the Capital Bonds early, at

least 100,000,000 Capital Bonds must remain outstanding after the partial

repayment. For a partial repayment, Infratil will endeavour to treat all

Bondholders on a proportionate basis but may include adjustments to take

account of the effect on minimum holdings and other logistical

considerations.

Early repayment following

successful Election Process

If Infratil determines, in its absolute discretion, that an Election Process has

been successful, Infratil must purchase any Capital Bonds in respect of

which you have rejected new conditions and that you have elected to sell

in connection with the Election Process on the Reset Date.

Tax Event A Tax Event will occur if Infratil receives an opinion from a reputable legal

counsel or tax adviser that there has been, or will be, a change or

clarification in, or change in the application, interpretation or administration

of, any law, regulation, ruling or directive, as a result of which the interest

payments on the Capital Bonds would no longer be fully deductible for tax

purposes.

Rating Agency Event A Rating Agency Event will occur if:

 Infratil receives notice from a Rating Agency that, as a result of a

change in criteria, the Capital Bonds will no longer have the same

equity content classification from that Rating Agency as they had

immediately prior to the change in criteria; or

 Infratil ceases to hold an issuer credit rating from at least one Rating

Agency.

Equity content S&P Global Ratings has assigned an "intermediate" equity content to the

Capital Bonds. Where such equity content is assigned, S&P Global

Ratings will consider that the Capital Bonds comprise 50% equity when

calculating Infratil's financial ratios. The equity content is expected to fall

to 0% from 15 June 2037.

Capital structure Infratil believes that hybrid securities such as the Capital Bonds that are

assigned an equity content are an effective capital management tool.

Infratil intends to maintain such instruments as a key feature of its capital

structure going forward.

Repayment price If your Capital Bonds are repaid:

 on the Maturity Date;

 following an Event of Default;

 on a Reset Date or on any date falling in the period of three months

prior to the First Reset Date;

 at any time if a Tax Event occurs; or

 if there are less than 100,000,000 Capital Bonds on issue,

or purchased by Infratil following a successful Election Process, you will

receive an amount equal to the Principal Amount (NZ$1.00) plus all

accrued but unpaid interest for each Capital Bond repaid or purchased.

Infratil Product Disclosure Statement
14

If your Capital Bonds are repaid:

 on any Interest Payment Date after a Reset Date if Infratil did not run

an Election Process in respect of the Reset Date or the Election

Process in respect of the Reset Date was unsuccessful; or

 at any time if a Rating Agency Event occurs,

you will receive an amount equal to the greater of:

 the Principal Amount plus all accrued but unpaid interest; or

 the market value of the Capital Bond (as determined in accordance

with the Trust Deed),

for each Capital Bond repaid.

Bondholders cannot choose to

have the Capital Bonds repaid

early

You have no right to require that your Capital Bonds be repaid early unless

an Event of Default has occurred.

5.4 Events of Default

The Capital Bonds have very limited Events of Default.

Events of Default An Event of Default will occur if:

 Infratil fails to pay any deferred interest (plus all accrued but unpaid

interest on the deferred interest) by the fifth anniversary of its original

deferral;

 Infratil fails to comply with the Distribution Stopper;

 Infratil fails to pay any amount required to be paid on the repayment of

the Capital Bonds;

 Infratil fails to pay any amount required to be paid to purchase Capital

Bonds in connection with a successful Election Process;

 an insolvency event occurs in respect of Infratil (for example, a

liquidator, receiver or statutory manager is appointed in respect of

Infratil);

 Infratil ceases to carry on all or substantially all of its business or

operations; or

 any Capital Bond ceases to be enforceable.

For full details of the Events of Default, see Condition 1.1 (Definitions) of

Schedule 1 to the Trust Deed.

Repayment on default If an Event of Default occurs, the Capital Bonds will become immediately

repayable and Infratil must repay you the Principal Amount of your Capital

Bonds plus all accrued but unpaid interest on the Business Day following

the Event of Default.

Deferral of interest is not an Event

of Default

Deferral of interest as described in section 5.2 of this PDS (Interest) is not

an Event of Default.

5.5 Payments

This section 5.5 describes certain provisions that apply to payments on the Capital Bonds.

Business Day convention If a payment date is not a Business Day, Infratil will make payment on the

next Business Day, but no adjustment will be made to the amount of

interest payable.

Entitlement to payments Interest payments on the Capital Bonds will be made to the persons who

are the Bondholders as at the close of business on the tenth day before the

Interest Payment Date on which the interest is paid (whether or not the

Infratil Product Disclosure Statement
15

relevant Interest Payment Date is a Business Day) (or such other day as

may be required by NZX) or, if that day is not a Business Day, the preceding

Business Day.

Any other payments on the Capital Bonds will be made to the persons who

are the Bondholders as at the close of business on the day determined by

Infratil and notified to NZX (or such other day as may be required by NZX).

No set-off Except to the extent required by law, you have no right to set-off any

amounts that Infratil owes to you in connection with the Capital Bonds

against any amounts that you owe to Infratil (whether in connection with

the Capital Bonds or otherwise).

Tax indemnity If Infratil or the Registrar is required to pay an amount of tax on your behalf

(for example, because you did not correctly notify details about your tax

residence), then you indemnify Infratil and the Registrar in respect of that

tax liability, which may be recovered from you or withheld from and set-off

against future payments to you.

5.6 Election Process

Infratil may run an Election Process in respect of each Reset Date.

Election Process Under an Election Process, Infratil may propose new conditions to apply to

the Capital Bonds from a Reset Date. If Infratil decides to run an Election

Process in respect of a Reset Date, Infratil will give you an Election Notice

at least 20 Business Days before the Reset Date that:

 sets out the new conditions (for example, a new Margin) that Infratil

proposes to apply to the Capital Bonds from the Reset Date; and

 asks you to elect to accept or reject the proposed new conditions.

To make an election, you must complete the Election Notice and return it

to Infratil within the period specified in the Election Notice. You can elect

to accept or reject the proposed new conditions in respect of all or some of

your Capital Bonds.

You will be deemed to have accepted the proposed new conditions in

respect of all of your Capital Bonds if Infratil does not receive a properly

completed Election Notice from you within the period specified in the

Election Notice.

Infratil will determine, in its absolute discretion, whether the Election

Process has been successful. If Infratil wishes to purchase all Capital

Bonds in respect of which Bondholders have rejected the proposed new

conditions, Infratil will notify you that the Election Process has been

successful.

In the case of a successful Election Process:

 the new conditions will apply to the Capital Bonds from the Reset Date;

 Infratil will purchase any Capital Bonds in respect of which you rejected

the new conditions on the Reset Date; and

 if Infratil has set up a resale facility to sell the Capital Bonds it has

purchased to other investors, any sales arranged through the resale

facility will take effect on the Reset Date.

If Infratil does not wish to purchase all Capital Bonds in respect of which

Bondholders have rejected the proposed new conditions, Infratil will notify

you that the Election Process has been unsuccessful.

In the case of an unsuccessful Election Process:

 the existing conditions will continue to apply to the Capital Bonds;

 your Capital Bonds will remain outstanding; and

 any sales arranged through a resale facility will be cancelled.

Infratil Product Disclosure Statement
16

Entitlement to participate in an

Election Process

If Infratil runs an Election Process, the Election Notice will be sent to the

persons who are the Bondholders as at the close of business on the second

Business Day before the Election Notice is sent (or, if that day is not a

Business Day, the preceding Business Day).

Only New Zealand Holders will be entitled to participate in an Election

Process. Infratil may repay Capital Bonds held by non-New Zealand

Holders on the relevant Reset Date.

New Zealand Holders A New Zealand Holder is a Bondholder who has:

 a valid New Zealand IRD number;

 a valid New Zealand bank account number; and

 a New Zealand address.

5.7 Ranking

Ranking in a liquidation of Infratil

The Capital Bonds are unsecured, subordinated debt securities issued by Infratil. In a liquidation of Infratil, each of

your Capital Bonds gives you the right to payment of an amount equal to the Principal Amount plus accrued but

unpaid interest. However, in a liquidation of Infratil, it is unlikely that there will be surplus assets available for the

liquidator to pay all amounts owing to you in respect of your Capital Bonds.

Your right to payment of this amount will rank:

 behind the claims of all creditors of Infratil (including the claims of holders of the Infrastructure Bonds, the

claims of senior creditors of Infratil Finance who benefit from a guarantee from Infratil and any amounts owing

to unsubordinated general and trade creditors, as well as indebtedness preferred by law and secured

indebtedness), except for the claims and rights described in the bullet points below;

 equally with the claims of other holders of the Capital Bonds and holders of any other securities or obligations

of Infratil that rank equally with the Capital Bonds; and

 ahead of the rights of Infratil's shareholders and holders of any other securities or obligations of Infratil that

rank behind the Capital Bonds.

Ranking in a liquidation of the Infratil Group

Infratil is a holding company with investments in various companies. Bondholders have no claims against, or

recourse to the assets of, any of those companies. Infratil's ability to make payments on the Capital Bonds is

dependent on the returns it receives from its investments.

In a liquidation of the Infratil Group, creditors of Infratil's subsidiaries (including creditors of Infratil Finance and the

companies that Infratil has invested in) would have to be paid out in full before the distribution of any residual assets

to Infratil's liquidator claiming as the ultimate shareholder of the companies. Only these residual assets would be

available to Infratil's liquidator and, therefore, Infratil's creditors, including Bondholders.

Even if there are residual assets of those companies available to be distributed to Infratil's liquidator, because the

Capital Bonds are subordinated, Bondholders would only be entitled to payment after creditors of Infratil ranking in

priority to the Capital Bonds have been repaid in full. See the ranking table below for more detail.

Infratil is also subject to other restrictions in its bank loan facilities that limit the value of cash and other assets it

may hold (other than shares and other securities held in, or loans to, Infratil's subsidiaries).

Ranking table

The ranking table below shows how the liabilities of the Infratil Group, including the Capital Bonds, and equity rank

in a liquidation of the Infratil Group. The diagram does not describe every type of liability or equity that the Infratil

Group may have over the term of the Capital Bonds.

Infratil considers that information about the liabilities and equity of the Infratil Group provides more useful information

to investors about the ranking of the Capital Bonds.

Infratil Product Disclosure Statement
17

Ranking in a

liquidation of the

Infratil Group

Description Example Liabilities and equity of

Infratil as at 31 March

2026 (NZ$m)

Higher ranking

Liabilities that

rank in priority to

the Capital Bonds

Liabilities of Infratil

Finance and Infratil's

subsidiaries that are

not guaranteed by

Infratil

Secured liabilities,

liabilities given

preference by law, all

unsubordinated

liabilities and all

subordinated liabilities

5,545

Liabilities of Infratil

Finance that are

guaranteed by

Infratil

Creditors of Infratil

Finance who benefit

from a guarantee from

Infratil (including Infratil

Finance's bank lenders)

1,639

Liabilities of Infratil

that rank in priority

to the Capital Bonds

Secured liabilities

(including trade

creditors that retain a

security interest in

products sold to Infratil

until they have been

paid); liabilities given

preference by law

(including amounts

payable to Inland

Revenue); and all

unsubordinated

liabilities (including

holders of Infrastructure

Bonds)

2,462

Liabilities that

rank equally with

the Capital Bonds

(including the

Capital Bonds)

Subordinated debt Capital Bonds 150


Liabilities that

rank below the

Capital Bonds

Not applicable Not applicable 0

Equity

1

Equity Ordinary shares,

reserves and retained

earnings

8,529

Lower ranking



1

The amount of equity stated above includes an amount in relation to Infratil's quoted equity securities (ie Infratil's ordinary

shares which are quoted on the NZX Main Board).

Infratil Product Disclosure Statement
18

Basis of preparation of table

Amounts in the table above (except for the estimated amount of the Capital Bonds) are indicative amounts derived

from the Infratil Group's audited financial statements for the year ended 31 March 2026. The actual amounts of

liabilities and equity of the Infratil Group at the point of its liquidation would be different to the indicative amounts

set out in the diagram above.

The liabilities that rank in priority to the Capital Bonds in a liquidation of the Infratil Group have been subdivided into

3 classes in the ranking table:

 liabilities of Infratil Finance and Infratil's subsidiaries that are not guaranteed by Infratil;

 liabilities of Infratil Finance that are guaranteed by Infratil; and

 liabilities of Infratil that rank in priority to the Capital Bonds.

The liabilities of Infratil Finance and Infratil's subsidiaries that are not guaranteed by Infratil are not liabilities of

Infratil. Creditors of Infratil Finance and Infratil's subsidiaries have no claims against, or recourse to the assets of,

Infratil. However, the claims of all creditors of Infratil Finance and Infratil's subsidiaries structurally rank in priority

to the Capital Bonds, because those creditors would have to be paid out in full before the distribution of any residual

assets to Infratil's liquidator claiming as the ultimate shareholder of the companies.

Infratil has guaranteed certain liabilities of Infratil Finance (including Infratil Finance's bank lenders). Creditors of

Infratil Finance that benefit from the guarantee have an unsecured, unsubordinated claim against Infratil, which

ranks in priority to the Capital Bonds in the liquidation of Infratil.

Liabilities of Infratil that rank in priority to Capital Bonds include secured liabilities, liabilities given preference by law

and all unsubordinated liabilities (including the Infrastructure Bonds). These liabilities represent obligations of

Infratil that rank directly in priority to the Capital Bonds.

The Infratil Group's audited financial statements for the year ended 31 March 2026 do not separate the Infratil

Group's liabilities in this way. However, Infratil considers that subdividing the liabilities that rank in priority to the

Capital Bonds in a liquidation of the Infratil Group into 3 classes helps investors understand the relative ranking of

each type of liability, given that they are not all direct claims on Infratil. The aggregate of the 3 classes of liabilities

that rank in priority to the Capital Bonds in the liquidation of the Infratil Group is equal to the total liabilities stated in

the Infratil Group's audited financial statements for the year ended 31 March 2026.

The table has been adjusted to include the issue of the Capital Bonds, based on an estimated issue size of NZ$150

million. This adjustment does not affect the other amounts listed in the table. The total value of the Capital Bonds

to be issued will be announced by Infratil on or about the Rate Set Date (5 June 2026) via NZX.

Amounts in the table are presented in millions of New Zealand dollars and may be subject to rounding adjustments.

No restrictions on creating further liabilities

There are no restrictions on the Infratil Group creating further liabilities that rank equally with, or in priority to, the

Capital Bonds in a liquidation of the Infratil Group. The Infratil Group could therefore, at any time after the date of

this PDS, create further liabilities that rank equally with, or in priority to, the Capital Bonds in a liquidation of the

Infratil Group. These further liabilities could, for example, be a new series of senior bonds or new borrowing facilities

with bank lenders.

The conditions of the Infrastructure Bonds include a 'liabilities to assets' covenant that provides that the borrowed

money indebtedness of the Issuer Group (as defined in the trust deed for the Infrastructure Bonds) must not exceed

50% of the tangible assets of Infratil and its subsidiaries, which could limit Infratil's ability to create further liabilities.

The covenant is not a condition of the Capital Bonds, so you do not have the benefit of the covenant. The covenant

may be amended or waived by the relevant holders of the Infrastructure Bonds or supervisor, or expire if the

Infrastructure Bonds are repaid while the Capital Bonds are outstanding.

5.8 Other relevant information about the Supervisor and the Trust Deed

Supervisor

The Supervisor is appointed by Infratil under the Trust Deed to act on behalf of Bondholders in relation to matters

connected with Infratil, the Trust Deed or the Capital Bonds on the terms and conditions contained in the Trust

Deed.

Infratil Product Disclosure Statement
19

The Supervisor represents the Bondholders in relation to the Trust Deed (that is, individual Bondholders do not

participate in the administration of the Trust Deed).

Trust Deed

The Trust Deed contains a number of important terms and conditions, including:

 the general rule that Bondholders may only enforce their rights under the Trust Deed through the Supervisor;

 rules relating to the distribution of proceeds on enforcement received by the Supervisor; and

 rules relating to how amendments, waivers and consents can be made or given under the Trust Deed.

The Trust Deed also contains a number of standard provisions, including:

 the role of the Supervisor and the powers and duties of the Supervisor; and

 the process for amending the Trust Deed.

Infratil and the Supervisor are able to amend or replace provisions in the Trust Deed, including the terms and

conditions of the Capital Bonds, without the approval of Bondholders if Infratil and the Supervisor are satisfied that

the amendment or replacement does not have a material adverse effect on the Bondholders. The Trust Deed may

also be amended if the amendment is approved by an Extraordinary Resolution of Bondholders.

Amendments made in accordance with the terms of the Trust Deed are binding on you even if you did not agree to

them.

You can obtain a copy of the Trust Deed on the Disclose Register at www.disclose-register.companiesoffice.govt.nz

(offer number OFR15093).

Infratil Product Disclosure Statement
20

6 Risks of investing

6.1 Introduction

This section describes the following risks associated with an investment in the Capital Bonds:

 general risks of investing in the Capital Bonds;

 specific risks relating to Infratil's creditworthiness; and

 other specific risks associated with the Capital Bonds.

You should carefully consider these risk factors (together with the other information in this PDS) before deciding

whether to invest in the Capital Bonds. The Capital Bonds differ from the Infrastructure Bonds previously issued

by Infratil, as well as from unsubordinated securities issued by other issuers, and accordingly carry different risks.

This section does not cover all of the risks of investing in the Capital Bonds.

The statement of risks in this section does not take account of your personal circumstances, financial position or

investment requirements. Before making any investment decision, it is important that you consider the suitability of

an investment in the Capital Bonds in light of your individual risk profile for investments, investment objectives and

personal circumstances (including financial and tax issues).

6.2 General risks

An investment in the Capital Bonds is subject to the following general risks:

Infratil may become insolvent and be unable to meet its obligations under the Capital Bonds

If Infratil encounters financial difficulty, this may result in Infratil deferring interest or not making payments on the

Capital Bonds when due or at all.

If Infratil becomes insolvent and is placed into liquidation, it is likely that you will lose all of your investment.

Refer to section 5.7 of this PDS (Ranking) for more information on the ranking of the Capital Bonds in the event of

the liquidation of the Infratil Group.

The market price of the Capital Bonds may fluctuate up or down and the Capital Bonds may trade

below their Principal Amount

The market price of the Capital Bonds on the NZX Debt Market may fluctuate due to various factors, including

liquidity and changes in interest rates, Infratil's financial performance, Infratil's credit rating or the credit rating of the

Capital Bonds (including as a result of a change in rating methodology), and returns on the Capital Bonds.

The Capital Bonds may trade at a market price below their Principal Amount. The key features of the Capital Bonds

may increase the volatility of the market price of the Capital Bonds, and the market price may be more sensitive to

changes in factors such as economic conditions, liquidity and risk tolerances than the market price of the

Infrastructure Bonds or unsubordinated securities issued by other issuers.

If you sell your Capital Bonds at a time where the market price of the Capital Bonds is lower than the Issue Price,

you would lose some of the money you invested.

The liquidity of the Capital Bonds may be low

The market for the Capital Bonds may not be liquid and may be less liquid than the market for the Infrastructure

Bonds or unsubordinated debt securities issued by other issuers.

If liquidity is low, you may not be able to sell your Capital Bonds at an acceptable price, in your desired timeframe,

or at all.

Infratil Product Disclosure Statement
21

6.3 Specific risks relating to Infratil's creditworthiness

Infratil is exposed to a number of risks that may affect its business and, therefore, its financial performance and

creditworthiness.

The circumstances that Infratil is aware of that exist, or could arise, that significantly increase the risk that payments

may not be made on the Capital Bonds when scheduled, or that Infratil may become insolvent, are described below.

These circumstances are based on an assessment of Infratil's business as at the date of this PDS. If the nature or

scope of Infratil's business changes, other circumstances could arise that may affect the risks to Infratil's

creditworthiness. For example, the composition of Infratil's investment portfolio is likely to change over time as

Infratil executes its investment strategy, which may alter Infratil's risk profile.

Infratil is dependent on distributions it receives from its investments

Infratil is a holding company. Its business consists of acquiring, actively managing and developing, and (from time

to time) disposing of, investments in infrastructure businesses. Infratil does not generate material operating cash

flows itself. Its primary source of cash flows to meet its obligations, including making payments on the Capital

Bonds, is the distributions it receives from the companies it has invested in. The ability of the companies that Infratil

has invested in to pay distributions is dependent on a range of factors, including their performance and profitability,

internal investment requirements, restrictions in financing arrangements and legal and regulatory constraints. If

those companies do not pay distributions to Infratil, this may have a material adverse effect on Infratil's ability to

meet its obligations to creditors, including Bondholders.

Infratil's investment portfolio is concentrated in a small number of sectors, jurisdictions and

investments

Infratil invests in infrastructure businesses in four sectors: digital infrastructure, renewable energy, healthcare and

airports. Infratil's investments are concentrated in a small number of jurisdictions (predominantly New Zealand and

Australia, which represent ~79% of the portfolio asset value). A small number of investments account for a

significant proportion of Infratil's investment portfolio by asset value. Infratil's three largest investments (CDC, One

NZ and Longroad Energy) together represent ~75% of the portfolio asset value. This concentration exposes Infratil

to disproportionate risk that one or more of the sectors, jurisdictions or investments experience a sustained decline

in performance or outlook, operational issues, valuation declines or refinancing stress. This may have an adverse

effect on investor sentiment, which may be reflected through lower asset valuations, reduced access to funding,

weaker demand for portfolio assets and delays or discounts on asset realisation. This could have a material adverse

effect on Infratil's financial performance and creditworthiness.

In particular, Infratil's investment in CDC represents a material proportion of Infratil's investment portfolio (~42% of

the portfolio asset value) and makes a meaningful contribution to Infratil's financial performance. Risks that are

specific to CDC include regulatory changes in Australia in relation to data centre development, a debt default, a

significant non-discretionary capital spending requirement, non-performance or failure to meet contractual

obligations, CDC customer or counterparty risk, termination of a material contract (including as a result of a failure

by CDC or the relevant counterparty to satisfy any applicable conditions), technology risk, customer demand and

changes in competitive dynamics. The occurrence of one or more of these risks could have a material adverse

impact on CDC's financial performance and creditworthiness, which could, in turn, have a material adverse impact

on Infratil's financial performance and creditworthiness.

Several of Infratil's investments are in a capital-intensive development phase

Several of the companies that Infratil has invested in (including CDC, Kao Data, Longroad Energy and Gurīn

Energy) are in a capital-intensive development phase. Development activities carry inherent risks, including:

 changes in the competitive and regulatory environment, which can reduce the returns that may be achieved;

 the forecast demand for projects not eventuating, including due to changes in technology trends;

 a material increase in development or operating costs, which cannot be passed on to customers;

 project delays or the inability to complete development projects, including due to a failure to secure consents

and other approvals, capability or resources required for projects; and

 the inability of the relevant companies to access sufficient debt and equity funding.

The occurrence of one or more of these risks could affect the ability of those companies to pay distributions to

Infratil, adversely affect the valuation of the investment portfolio or require additional investment by Infratil. This

could have a material adverse effect on Infratil's financial performance and creditworthiness.

Infratil Product Disclosure Statement
22


Infratil may fail to execute its investment strategy

Infratil's investment strategy involves acquiring, actively managing and developing, and (from time to time) disposing

of, investments in infrastructure businesses to generate long-term returns. Successful execution of Infratil's

investment strategy is dependent on a range of factors, including management capability, access to funding,

regulatory approvals, market conditions and delivery of development milestones. Delays, cost overruns,

underperformance or failure to execute development projects could reduce the distributions Infratil receives from

the companies Infratil has invested in, adversely affect the valuation of the investment portfolio, delay the disposal

of investments or require additional investment by Infratil. This could have a material adverse effect on Infratil's

financial performance and creditworthiness.

Infratil's assets are illiquid and subject to valuation uncertainty

Infratil's assets consist predominantly of unlisted equity securities in infrastructure businesses. These assets are

inherently illiquid and asset realisations may only be achievable over extended timeframes. In adverse market

conditions, the sale of Infratil's investments may require significant price discounts or may be subject to significant

delays. Market valuations of the companies in which Infratil has invested may also be subject to greater volatility

during periods of market stress, higher interest rates or adverse market sentiment. Material downward revaluations

of Infratil's investments could have a material adverse effect on Infratil's financial performance and creditworthiness.

Infratil is exposed to debt servicing and refinancing risks

Infratil relies on debt markets, including banks and bond markets, for core debt. Adverse changes in the business

or financial performance of Infratil or a company that Infratil has invested in, or in financial markets, may reduce

Infratil's or that company's access to, or increase the cost of, debt funding. This could result in Infratil, or the relevant

company, not maintaining adequate debt facilities or being unable to renew or replace existing debt facilities when

they mature. This could adversely affect Infratil and the relevant company's financial performance and, in extreme

circumstances, could affect Infratil's ability to meet its obligations when due, including under the Capital Bonds. If

Infratil is unable to access funding to refinance maturing debt, it may need to sell investments to repay that debt.

In those circumstances, the timing of the sale may mean that Infratil is not able to maximise the value of that

investment.

Infratil is exposed to movements in exchange rates

A material portion of Infratil's investments are denominated in currencies other than New Zealand dollars, primarily

Australian and US dollars. Infratil does not generally hedge the foreign currency exposure of its long-term

investments. Movements in exchange rates may adversely affect the New Zealand dollar value of distributions that

Infratil receives from its investments and the valuation of Infratil's investment portfolio.

Possible impact of risks

Infratil expects some of the risks described in this section 6.3 to arise in the normal course of its business. When

they do, this can lead to a decrease in the distributions that it receives from the companies it has invested in, a

decrease to the value of the investment portfolio or require additional investment by Infratil.

Infratil's investment strategy attempts to manage these risks and in the normal course of business these risks are

not expected to have a material adverse impact on Infratil. For example, Infratil's strategy to ensure that it can meet

its payment obligations includes using its control positions in most of the companies that it has invested in to defer

any capital requirements or increase distributions from other companies, paying incentive fees in shares, reducing

or suspending dividends to Infratil's shareholders and proactive management of its debt maturity profile to minimise

refinancing risk.

However, circumstances outside the normal course of business can arise which may make the risks more difficult

to manage and impact Infratil more severely. A failure to adequately manage these risks could mean that Infratil

defers interest payments on the Capital Bonds, is not able to make a payment on the Capital Bonds when due, or

repay the Capital Bonds when required, which means you could lose all or some of the money you invest in the

Capital Bonds.

In addition, a deterioration in the financial performance or creditworthiness of Infratil may adversely affect Infratil's

issuer credit rating or the issue credit rating and/or the market price and liquidity of the Capital Bonds, which means

you may not be able to sell your Capital Bonds at an acceptable price or at all.

Infratil Product Disclosure Statement
23

6.4 Other specific risks associated with the Capital Bonds

An investment in the Capital Bonds is subject to the following other risks associated with the Capital Bonds

specifically:

In a liquidation of Infratil, it is unlikely that you will receive repayment of any amount owing on

your Capital Bonds

The Capital Bonds are subordinated. In a liquidation of Infratil, your claim as a Bondholder to an amount equal to

the Principal Amount plus all accrued but unpaid interest would not be paid until all amounts owed by Infratil to its

unsubordinated creditors are paid in full. After the repayment of Infratil's unsubordinated creditors, it is unlikely that

there will be surplus assets available for the liquidator to pay any amount owing to you in respect of your Capital

Bonds.

Refer to section 5.7 of this PDS (Ranking) for more information on the ranking of the Capital Bonds in the event of

the liquidation of the Infratil Group.

Interest payments may be deferred

Infratil may, in its absolute discretion, defer any payment of interest on the Capital Bonds. Deferral of interest is not

an Event of Default. You will have no right to take action against Infratil or any other person in respect of any

deferral of interest.

Refer to section 5.2 of this PDS (Interest) for more information on Infratil's right to defer interest payments.

The Interest Rate may go down

The Interest Rate will be a fixed rate until the First Reset Date (15 June 2032). The Interest Rate on the Capital

Bonds will thereafter be reset on each further Reset Date (if the Capital Bonds are not redeemed prior). The Interest

Rate following a Reset Date may be lower than the Interest Rate that applies prior to the Reset Date.

The Capital Bonds may not be repaid early

The Capital Bonds are a long-term investment. The Capital Bonds are scheduled to be repaid on the Maturity Date

(15 June 2057). You have no right to require that your Capital Bonds be repaid before the Maturity Date unless an

Event of Default has occurred. Infratil may repay the Capital Bonds early in certain circumstances but may choose

not to do so.

Unless your Capital Bonds are repaid early by Infratil, to realise your investment before the Maturity Date you would

need to sell your Capital Bonds on the NZX Debt Market at the prevailing market price. You may be unable to find

a buyer or the amount that you receive may be less than the Issue Price that you paid for the Capital Bonds.

Refer to section 5.3 of this PDS (Repayment) for more information on Infratil's right to repay the Capital Bonds early.

The Capital Bonds may be repaid early

Although the Capital Bonds have a term of 31 years, Infratil can choose to repay all or some of the Capital Bonds

early in certain circumstances. You may be disadvantaged if your Capital Bonds are repaid early. For instance, if

your Capital Bonds are repaid, you may not be able to invest the proceeds at a comparable return. The early

repayment of your Capital Bonds and the reason for it may not be your preference.

Refer to section 5.3 of this PDS (Repayment) for more information on Infratil's right to repay the Capital Bonds early.

Infratil Product Disclosure Statement
24

7 Tax

The returns on the Capital Bonds may be affected by taxes. The information in this section 7 and section 8 (Tax

consequences for overseas Bondholders) is a summary of the withholding tax treatment under the Tax Act on

payments of interest on the Capital Bonds. This summary is based on the law in force at the date of this PDS. It

does not address all New Zealand tax issues which may be relevant to Bondholders generally or to certain classes

of Bondholders (including custodians and other third parties who hold the Capital Bonds on behalf of any person,

transitional residents, and taxpayers subject to special tax rules). This summary does not constitute legal or tax

advice to any particular prospective Bondholder.

If you are a tax resident in New Zealand or otherwise receive payments of interest on the Capital Bonds that are

subject to the resident withholding tax (RWT) rules, RWT will be deducted from payments of interest to you, unless

you provide satisfactory evidence that you are exempt from RWT. Infratil will not be required to gross-up, indemnify

or make any additional payment to you on account of RWT.

There may be other tax consequences from acquiring or disposing of the Capital Bonds, including under the

financial arrangements rules in the Tax Act.

If you have any questions regarding the tax consequences of investing in the Capital Bonds, you should seek advice

from a tax adviser.

8 Tax consequences for overseas Bondholders

If you are not a tax resident in New Zealand or otherwise receive payments of interest on the Capital Bonds that

are subject to the non-resident withholding tax (NRWT) rules, NRWT may be deducted from payments of interest

to you.

Where NRWT is required to be withheld, Infratil may elect, unless you otherwise request Infratil to deduct NRWT,

to reduce the rate of NRWT to 0% by paying, on your account, the approved issuer levy (currently equal to 2% of

the relevant interest payment). Where the approved issuer levy applies, in certain circumstances an election may

be made to reduce the rate of the levy to 0%. If applicable, Infratil may (but is not obliged to) make such election

to reduce the levy to 0%. Infratil will not be required to gross-up, indemnify or make any additional payment to you

on account of NRWT or the approved issuer levy.

If you have any questions regarding the tax consequences of investing in the Capital Bonds, you should seek advice

from a tax adviser.

9 Selling restrictions and indemnity

The Capital Bonds may only be offered for sale or sold in accordance with the selling restrictions contained in this

section.

By subscribing for Capital Bonds, you agree to comply with the Selling Restrictions and to indemnify Infratil, the

Supervisor, the Registrar, the Arranger and each Joint Lead Manager (and their respective directors, officers,

employees, agents and advisers) in respect of any loss, cost, liability or expense sustained or incurred as a result

of you breaching the Selling Restrictions.

The Selling Restrictions may be modified by Infratil, including following a change in a relevant law, regulation or

directive.

This PDS only constitutes an offer of Capital Bonds to investors in New Zealand and does not constitute an offer of

Capital Bonds in any jurisdiction other than New Zealand.

Infratil has not taken and will not take any action which would permit a public or regulated offering of the Capital

Bonds, or possession or distribution of any offering material in respect of the Capital Bonds, in any country or

jurisdiction other than New Zealand.

The Capital Bonds may only be offered for sale or sold in compliance with all applicable laws and regulations in any

country or jurisdiction in which they are offered, sold or delivered.

This PDS and any other offering material in respect of the Capital Bonds may only be published, delivered or

distributed in compliance with all applicable laws and regulations (including those of the country or jurisdiction in

which the material is published, delivered or distributed).

Infratil Product Disclosure Statement
25

10 Who is involved?


Name Role

Issuer Infratil Limited Issuer of the Capital Bonds

Supervisor Trustees Executors Limited

Holds certain rights on trust for the benefit

of the Bondholders, including the right to

enforce Infratil's obligations under the

Capital Bonds

Arranger Bank of New Zealand Provides assistance to Infratil with

arranging the Offer and organising the

Bookbuild

Joint Lead Managers Bank of New Zealand

Craigs Investment Partners Limited

Forsyth Barr Limited

Assist with the Bookbuild and the

marketing and distribution of the Capital

Bonds

Registrar MUFG Pension & Market Services (NZ)

Limited

Maintains the Register of Bondholders

11 How to complain

If you have any problems or concerns about the Capital Bonds, contact Infratil via the contact details set out in

section 14 of this PDS (Contact information) outlining your problems or concerns and Infratil will endeavour to

resolve the issues.

Infratil is a member of an external, independent dispute resolution scheme operated by Financial Services

Complaints Limited (FSCL). If Infratil has not been able to resolve your issue, you can refer the matter to FSCL by:

 completing a complaint form at www.fscl.org.nz/make-a-complaint/the-complaints-process;

 emailing complaints@fscl.org.nz;

 calling FSCL on 0800 347 257; or

 post by contacting the Complaint Investigation Officer, Financial Services Complaints Limited, Level 4, 101

Lambton Quay, Wellington 6011.

The scheme will not charge a fee to any complainant to investigate or resolve a complaint.

You may also direct any complaints about the Capital Bonds to the Supervisor at the contact details below:

Trustees Executors Limited

Level 11, 51 Shortland Street

Auckland 1010

Phone: +64 800 878 783

The Supervisor is also a member of the FSCL dispute resolution scheme. If the Supervisor has not been able to

resolve your issue, you can refer the matter to FSCL using the contact details set out above. The scheme will not

charge a fee to any complainant to investigate or resolve a complaint.

Infratil Product Disclosure Statement
26

12 Where you can find more information

Further information relating to Infratil and the Capital Bonds is available free of charge on the online Disclose

Register maintained by the Companies Office.

The Disclose register can be accessed at www.disclose-register.companiesoffice.govt.nz (offer number

OFR15093).

A copy of the information on the Disclose Register is also available on request to the Registrar of Financial Service

Providers at www.fsp-register.companiesoffice.govt.nz/about/contact-us/email-us.

The information contained on the Disclose Register includes a copy of the Trust Deed and an issue credit rating

report from S&P Global Ratings in relation to the Capital Bonds.

Infratil is subject to a disclosure obligation that requires it to notify certain material information to NZX for the purpose

of that information being made available to participants in the market and that information can be found by visiting

www.nzx.com/companies/IFT. You can obtain information, including information made available under the

disclosure obligation referred to above, free of charge.

This is a short-form offer document. A condition of relying on the short-form disclosure regime is that Infratil must

release a Cleansing Notice to the NZX that contains material information in relation to the Capital Bonds which has

not already been disclosed to the market (eg because of an exclusion in the Listing Rules). The Cleansing Notice

will be released to NZX on the Opening Date (2 June 2026) and will be able to be accessed free of charge at

www.nzx.com/companies/IFT.

13 How to apply

There is no public pool for Capital Bonds under the Offer. All of the Capital Bonds offered under the Offer have

been reserved for subscription by clients of the Joint Lead Managers, other Primary Market Participants and

approved financial intermediaries invited to participate in the Bookbuild.

This means you can only apply for Capital Bonds if you are a client of a Joint Lead Manager, other Primary Market

Participant or approved financial intermediary who has obtained an allocation. You can find a Primary Market

Participant by visiting www.nzx.com/investing/find-a-participant.

The Joint Lead Manager, Primary Market Participant or approved financial intermediary will:

 give you a copy of this PDS;

 explain what you need to do to apply for Capital Bonds; and

 explain what payments need to be made by you and by when.

The Joint Lead Manager, other Primary Market Participant or approved financial intermediary can also explain what

arrangements will need to be put in place for you to trade the Capital Bonds, including obtaining a CSN, an

authorisation code and opening an account with a Primary Market Participant as well as the costs and timeframes

for putting such arrangements in place.

Infratil Product Disclosure Statement
27

14 Contact information

Issuer

Infratil Limited

5 Market Lane

PO Box 320

Wellington 6140

Telephone: 04 473 3663

Supervisor

Trustees Executors Limited

Level 11, 51 Shortland Street

Auckland 1010

Telephone: 0800 878 783

Registrar

MUFG Pension & Market Services (NZ) Limited

Level 30, PwC Tower

15 Customs Street West

Auckland, 1010

PO Box 91976

Auckland 1142

Telephone: 09 375 5998

Arranger and Joint Lead Manager

Bank of New Zealand

Level 6, 80 Queen Street

Auckland 1010

Telephone: 09 924 9602

Joint Lead Managers

Craigs Investment Partners Limited

Level 32, Vero Centre

48 Shortland Street

Auckland 1010

Telephone: 0800 272 442

Forsyth Barr Limited

Level 23, Shortland & Fort

88 Shortland Street

Auckland 1010

Telephone: 0800 367 227

Infratil Product Disclosure Statement
28

15 Glossary


Arranger Bank of New Zealand

Bondholder a person whose name is entered in the Register as a holder of a Capital Bond

Bookbuild the process conducted after the closing of the Offer whereby certain investors lodge

bids for Capital Bonds and, on the basis of those bids, Infratil, in consultation with

the Joint Lead Managers, determines the Margin and allocations of the Capital

Bonds

Business Day for the purposes of giving notices, a day which is a business day within the meaning

of the Listing Rules; and

for all other purposes, a day (other than a Saturday or Sunday) on which registered

banks are generally open for business in New Zealand

Capital Bonds the capital bonds issued and created pursuant to the Trust Deed and offered under

this PDS

CDC CDC Group Holdings Pty Ltd

Cleansing Notice the notice released to NZX on the date of this PDS in accordance with the Financial

Markets Conduct Regulations 2014

Closing Date the "Closing Date" specified in section 2 of this PDS (Key dates and Offer process)

Disclose Register

the online offer register maintained by the Companies Office and the Registrar of

Financial Service Providers known as the "Disclose Register", which can be

accessed at www.disclose-register.companiesoffice.govt.nz

Distribution Stopper has the meaning given to that term in section 5.2 of this PDS (Interest) under the

heading "Distribution Stopper"

Election Notice

the notice given by Infratil to Bondholders to initiate an Election Process, which sets

out the new conditions that Infratil proposes to apply to the Capital Bonds from the

Reset Date and asks Bondholders to elect to accept or reject the proposed new

conditions

Election Process is described in section 5.6 of this PDS (Election Process)

Event of Default

each event set out in Condition 1.1 (Definitions) of Schedule 1 to the Trust Deed,

which are summarised in section 5.4 of this PDS (Events of Default)

Extraordinary

Resolution

a resolution approved by Bondholders holding Capital Bonds with a combined

Principal Amount of no less than 75% of the aggregate Principal Amount of the

Capital Bonds then outstanding held by those Bondholders who are entitled to vote

and who vote on the question

First Reset Date 15 June 2032

Gurīn Energy Gurin Energy Pte. Ltd.

Infrastructure Bonds

the unsecured, unsubordinated debt securities issued by Infratil that are quoted on

the NZX Debt Market under the ticker codes IFT270, IFT280, IFT310, IFT320,

IFT330, IFT340, IFT350, IFT360, IFT370, IFTHA and IFTHC

Infratil Infratil Limited

Infratil Finance Infratil Finance Limited

Infratil Group Infratil and its subsidiaries

Initial Swap Rate

the mid-market rate for a New Zealand Dollar interest rate swap of a term matching

the period from the Issue Date to the First Reset Date (15 June 2032) as determined

by the Issuer, in consultation with the Arranger, on the Rate Set Date in accordance

with market convention with reference to Bloomberg page 'ICNZ2' (or any successor

page) expressed as a percentage rate per annum on a quarterly basis (rounded to

two decimal places, if necessary, with 0.005 rounded up)

Infratil Product Disclosure Statement
29

Interest Payment Dates 15 March, 15 June, 15 September and 15 December of each year during the term

of the Capital Bonds and on the date on which your Capital Bonds are repaid,

subject to the Business Day convention described in section 5.5 of this PDS

(Payments)

Interest may be deferred by Infratil as described in section 5.2 of this PDS (Interest)

Interest Rate

the interest rate for the Capital Bonds that applies from time to time, as described in

section 5.2 of this PDS (Interest)

Issue Date the "Issue Date" specified in section 2 of this PDS (Key dates and Offer process)

Issue Price NZ$1.00 per Capital Bond

Joint Lead Managers Bank of New Zealand, Craigs Investment Partners Limited and Forsyth Barr Limited

Kao Data Kao Data Limited

Listing Rules the listing rules of NZX (as amended, varied or waived from time to time)

Longroad Energy Longroad Energy Holdings, LLC

Margin the rate (expressed as a percentage per annum) determined by Infratil, in

consultation with the Joint Lead Managers, through the Bookbuild and announced

by Infratil via NZX on or about the Rate Set Date

Maturity Date the "Maturity Date" specified in section 2 of this PDS (Key dates and Offer process)

Minimum Initial Interest

Rate

the minimum Interest Rate that may apply for the first 6 years until the First Reset

Date, as announced by Infratil on or about the Opening Date

Morrison Morrison & Co Infrastructure Management Limited, a member of the H.R.L. Morrison

& Co Group Limited Partnership

New Zealand Holder is described in section 5.6 of this PDS (Election Process)

NRWT non-resident withholding tax

NZX NZX Limited

NZX Debt Market the debt market operated by NZX

Offer the offer of Capital Bonds made in this PDS

One NZ One New Zealand Group Limited

Opening Date the "Opening Date" specified in section 2 of this PDS (Key dates and Offer process)

PDS this product disclosure statement

Primary Market

Participant

has the meaning given to that term in the NZX Participant Rules (as amended,

varied or waived from time to time)

Principal Amount NZ$1.00 per Capital Bond

Rate Set Date the "Rate Set Date" specified in section 2 of this PDS (Key dates and Offer process)

Rating Agency

S&P Global Ratings (or its successors) or such other approved rating agency (within

the meaning of the Financial Markets Conduct Act 2013) appointed by Infratil from

time to time

Rating Agency Event has the meaning given to that term in the Trust Deed, which is summarised in

section 5.3 of this PDS (Repayment)

Register the register in respect of the Capital Bonds maintained by the Registrar

Registrar MUFG Pension & Market Services (NZ) Limited

Reset Dates 15 June 2032 and every 5 years after that

RWT resident withholding tax

Infratil Product Disclosure Statement
30

Selling Restrictions has the meaning given to that term in section 9 of this PDS (Selling restrictions and

indemnity)

S&P Global Ratings S&P Global Ratings Australia Pty Limited

Step-up Margin 0.25% per annum

subsidiary

has the meaning given to that term in section 5 of the Companies Act 1993, or an

"in-substance" subsidiary, in accordance with any applicable financial reporting

standard

Supervisor Trustees Executors Limited or such other supervisor as may be appointed in

accordance with the Trust Deed from time to time

Tax Act Income Tax Act 2007

Tax Event

has the meaning given to that term in the Trust Deed, which is summarised in

section 5.3 of this PDS (Repayment)

Trust Deed the trust deed dated 26 May 2026 between Infratil and the Supervisor

5 Year Swap Rate either:

 the mid-market rate for a New Zealand Dollar interest rate swap for a 5-year

term commencing on the relevant Reset Date as determined by the Issuer at

11:00am on a Reset Date in accordance with market convention with reference

to the Bloomberg page ICNZ2 (or its successor page); or

 if the rate is unable to be determined in that manner, the average of the bid and

offered swap rates quoted to the Issuer by three registered banks (or such one

or more of them as are quoting) at or about 11:00am on a Reset Date for an

interest rate swap with a term equal to 5 years

in each case, expressed as a percentage rate per annum on a quarterly basis

(rounded to two decimal places, if necessary, with 0.005 rounded up)

---

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INDICATIVE

TERMS SHEET

For an offer of Capital Bonds by Infratil Limited

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INirlalet-lar-lare ie) ial -r-\e MY ar-te|-16 Joint Lead Managers

bnz* 3 FORSYTH BARR ©CRAIGS

1

Arranger and Joint Lead ManagerJoint Lead Managers

INDICATIVE

TERMS SHEET

For an offer of Capital Bonds by Infratil Limited

Dated: 26 May 2026


1

Indicative Terms Sheet dated 26 May 2026

This Indicative Terms Sheet (Terms Sheet) sets out the key terms of an offer (Offer) by Infratil Limited (Infratil) of

up to $150 million (with the ability to accept oversubscriptions at Infratil's discretion) unsecured, subordinated,

repayable, cumulative, interest-bearing capital bonds maturing on 15 June 2057 (Capital Bonds).

This Terms Sheet is a summary only. It should be read together with the product disclosure statement for the offer

of Capital Bonds by Infratil dated 26 May 2026 (PDS). The PDS is available on the Disclose Register maintained

by the Companies Office at www.disclose-register.companiesoffice.govt.nz (offer number OFR15093) or can be

obtained from the Joint Lead Managers, other Primary Market Participants or your usual financial advice provider.

Unless the context otherwise requires, capitalised terms used in this Terms Sheet have the meaning given to them

in the PDS.

Investors should carefully consider the features of the Capital Bonds, which are different to the features of the

Infrastructure Bonds previously issued by Infratil and other unsubordinated bonds issued by other issuers. Those

features include the subordinated nature of the Capital Bonds, the potential for Infratil to defer interest payments,

optional early repayment rights for Infratil and limited Events of Default.

Key Dates for the Offer

PDS lodgement Tuesday, 26 May 2026

Opening Date Tuesday, 2 June 2026

Closing Date 11:00am on Friday, 5 June 2026

Rate Set Date Friday, 5 June 2026

Issue Date Monday, 15 June 2026

Expected Date of Initial

Quotation on the NZX

Debt Market

Tuesday, 16 June 2026

Key Dates for the Capital Bonds

Maturity Date 15 June 2057

First Interest Payment

Date

15 September 2026

Interest Payment Dates Interest is scheduled to be paid quarterly in arrear on 15 March, 15 June, 15

September and 15 December of each year during the term of the Capital Bonds

and on the date on which the Capital Bonds are repaid. The first Interest Payment

Date is 15 September 2026.

Reset Dates The First Reset Date is 15 June 2032 and subsequent Reset Dates will occur every

5 years after that date.

Early repayment Infratil may choose to repay all or some of the Capital Bonds early in certain

circumstances.

Infratil may repay all or some of the Capital Bonds:

 on any Reset Date;

 on any date falling in the period of three months prior to the First Reset Date;

 on any Interest Payment Date after a Reset Date if Infratil did not run an

Election Process in respect of the Reset Date or the Election Process in

respect of the Reset Date was unsuccessful; or

 at any time if a Tax Event or Rating Agency Event occurs.

Infratil may choose to repay all (but not some only) of the Capital Bonds at any

time if there are less than 100,000,000 Capital Bonds on issue.


2

The Opening Date, Closing Date, Rate Set Date, Issue Date and other dates are indicative only and Infratil may

change the dates set out in this Terms Sheet. Infratil has the right in its absolute discretion and without notice to

close the Offer early, to extend the Closing Date, or to choose not to proceed with the Offer and the issue of the

Capital Bonds. Infratil will announce any changes to the dates set out in this Terms Sheet via NZX as soon as

possible.

Key terms of the Capital Bonds

Issuer Infratil Limited.

Description of the debt

securities

Unsecured, subordinated, repayable, cumulative, interest-bearing capital bonds.

Term 31 years, ending on the Maturity Date (15 June 2057) unless repaid earlier.

Ranking In a liquidation of Infratil, each Capital Bond gives the Bondholder the right to

payment of an amount equal to the Principal Amount plus all accrued but unpaid

interest.

The right to payment of this amount will rank:

 behind the claims of all creditors of Infratil (including the claims of holders of

the Infrastructure Bonds, the claims of senior creditors of Infratil Finance who

benefit from a guarantee from Infratil and any amounts owing to

unsubordinated general and trade creditors, as well as indebtedness preferred

by law and secured indebtedness), except for the claims and rights described

below;

 equally with claims of other Bondholders and holders of any other securities

or obligations of Infratil that rank equally with the Capital Bonds; and

 ahead of the rights of Infratil's shareholders and holders of any other securities

or obligations of Infratil that rank behind the Capital Bonds.

In a liquidation of Infratil, it is unlikely that there will be surplus assets available for

the liquidator to pay all amounts owing to Bondholders in respect of the Capital

Bonds.

Infratil is a holding company with investments in various companies. Bondholders

have no claims against, or recourse to the assets of, any of those companies.

Infratil's ability to make payments on the Capital Bonds is dependent on the returns

it receives from its investments.

In a liquidation of the Infratil Group, creditors of Infratil's subsidiaries (including

creditors of Infratil Finance and the companies that Infratil has invested in) would

have to be paid out in full before the distribution of any residual assets to Infratil's

liquidator claiming as the ultimate shareholder of the companies. Only these

residual assets would be available to Infratil's liquidator and, therefore, Infratil's

creditors, including Bondholders.

Even if there are residual assets of those companies available to be distributed to

Infratil's liquidator, because the Capital Bonds are subordinated, Bondholders

would only be entitled to payment after creditors of Infratil ranking in priority to the

Capital Bonds have been repaid in full.

Infratil is also subject to other restrictions in its bank loan facilities that limit the

value of cash and other assets it may hold (other than shares and other securities

held in, or loans to, Infratil's subsidiaries).

Purpose The proceeds of the Offer will be used for the general corporate purposes of the

Infratil Group. All of the proceeds of the Offer will be lent by Infratil to Infratil

Finance. Infratil Finance acts as the intra-group funding vehicle for the Infratil

Group.

No guarantee The Capital Bonds are not guaranteed by any member of the Infratil Group or any

other person.

Further indebtedness Infratil may incur further liabilities without the consent of Bondholders. This means

Infratil may, at any time, incur further liabilities that rank equally with, or in priority

to, the Capital Bonds.


3

Credit ratings Infratil issuer credit

rating

Capital Bonds issue

credit rating

S&P Global Ratings BBB+ BBB-

S&P Global Ratings' issue credit rating for the Capital Bonds is two notches below

S&P Global Ratings' issuer credit rating for Infratil to reflect the Capital Bonds'

subordination and the potential for interest payments to be deferred.

A credit rating is an independent opinion of the capability and willingness of an

entity to repay its debts (in other words, its creditworthiness). It is not a guarantee

that the financial product being offered is a safe investment. A credit rating should

be considered alongside all other relevant information when making an investment

decision.

A credit rating is not a recommendation by a rating agency to buy, sell or hold the

Capital Bonds. The above credit ratings are current as at the date of this Terms

Sheet and may be subject to suspension, revision or withdrawal at any time by S&P

Global Ratings.

Offer amount Up to NZ$150 million of Capital Bonds, with the ability to accept oversubscriptions

at Infratil's discretion.

Issue Price and Principal

Amount

NZ$1.00 per Capital Bond.

Maturity Date 15 June 2057

Reset Dates The First Reset Date is 15 June 2032 and subsequent Reset Dates will occur every

5 years after that date.

Interest Rate The Interest Rate will be fixed for an initial period of 6 years, after which it will be

reset on each Reset Date.

Interest Rate until the First Reset Date

The Interest Rate from the Issue Date until the First Reset Date (15 June 2032) will

be a fixed rate equal to the greater of:

 the sum of the Initial Swap Rate (a reference rate for a 6 year period) on the

Rate Set Date (5 June 2026) plus the Margin; and

 the Minimum Initial Interest Rate.

The initial Interest Rate and the Margin will be determined by Infratil following the

Bookbuild on the Rate Set Date and will be announced by Infratil via NZX on or

about that date.

Interest Rate following the First Reset Date

The Interest Rate will reset on each Reset Date to be a fixed rate equal to the sum

of the 5 Year Swap Rate on the Reset Date plus the Margin plus the Step-up

Margin.

When the Interest Rate is reset, the new Interest Rate will be announced by Infratil

via NZX on or about the date it is reset.

Minimum Initial Interest

Rate

The Minimum Initial Interest Rate is the minimum Interest Rate that may apply for

the first 6 years until the First Reset Date (15 June 2032). The Minimum Initial

Interest Rate will be announced by Infratil via NZX on or about the Opening Date

(2 June 2026).

The Minimum Initial Interest Rate only applies to the determination of the initial

Interest Rate from the Issue Date until the First Reset Date (15 June 2032). It does

not apply to the determination of the Interest Rate when it is reset on any Reset

Date.


4

Margin The Margin is the rate (expressed as a percentage per annum) determined by

Infratil, in consultation with the Joint Lead Managers, through the Bookbuild.

The indicative Margin range for the Capital Bonds will be announced by Infratil via

NZX on or about the Opening Date (2 June 2026). The actual Margin for the Capital

Bonds will be announced by Infratil via NZX on or about the Rate Set Date (5 June

2026).

Step-up Margin 0.25% per annum.

Initial Swap Rate The mid-market rate for a New Zealand Dollar interest rate swap of a term matching

the period from the Issue Date to the First Reset Date (15 June 2032) as

determined by Infratil, in consultation with the Arranger, on the Rate Set Date in

accordance with market convention with reference to Bloomberg page 'ICNZ2' (or

any successor page) expressed as a percentage rate per annum on a quarterly

basis (rounded to two decimal places, if necessary, with 0.005 rounded up).

5 Year Swap Rate Either:

 the mid-market rate for a New Zealand Dollar interest rate swap for a 5-year

term commencing on the relevant Reset Date determined by Infratil at

11:00am on a Reset Date in accordance with market convention with

reference to the Bloomberg page 'ICNZ2' (or its successor page); or

 if the rate is unable to be determined in that manner, the average of the bid

and offered swap rates quoted to Infratil by three registered banks (or such

one or more of them as are quoting) at or about 11:00am on a Reset Date for

an interest rate swap with a term equal to 5 years,

in each case, expressed as a percentage rate per annum on a quarterly basis

(rounded to two decimal places, if necessary, with 0.005 rounded up).

Interest Payment Dates Interest is scheduled to be paid quarterly in arrear on 15 March, 15 June, 15

September and 15 December of each year during the term of the Capital Bonds

and on the date on which the Capital Bonds are repaid.

The first Interest Payment Date is 15 September 2026.

Interest will be paid to the Holder of the Capital Bond on the Record Date for each

Interest Payment Date.

Calculation of interest

payments

Infratil will pay interest in arrear in equal amounts on each Interest Payment Date.

If the Capital Bonds are repaid on a day that is not a scheduled Interest Payment

Date, the interest payable on the date of repayment will be calculated on the basis

of the number of days from (and including) the previous Interest Payment Date to

(but excluding) the date of repayment.

Discretionary deferral of

interest

Infratil may, in its absolute discretion, defer any payment of interest on the Capital

Bonds for up to 5 years.

If any interest payment is deferred, the unpaid interest will remain owing and will

itself accrue interest.

Infratil's right to defer interest does not apply to interest that is due to be paid on

the Maturity Date or on any other date on which Infratil has elected to repay Capital

Bonds early.

Deferral of interest is not an Event of Default.

See section 5.2 (Interest) of the PDS for more information.

Distribution Stopper While any unpaid interest is outstanding, Infratil must not (unless approved by an

Extraordinary Resolution of Bondholders):

 pay any dividend on, or make any other distribution in respect of, any of its

ordinary shares or other securities or obligations that rank, in liquidation,

behind the Capital Bonds;

 acquire, redeem or repay any of its ordinary shares or other securities or

obligations that rank, in liquidation, behind the Capital Bonds; or

 provide financial assistance for the acquisition of any of its ordinary shares or

other securities or obligations that rank, in liquidation, behind the Capital

Bonds.


5

See section 5.2 (Interest) of the PDS for more information.

Mandatory repayment Infratil must repay all the Capital Bonds on the Maturity Date.

If an Event of Default occurs, Infratil must repay all the Capital Bonds on the

Business Day following the Event of Default.

Events of Default The Capital Bonds have very limited Events of Default.

An Event of Default will occur if:

 Infratil fails to pay any deferred interest (plus all accrued but unpaid interest on

the deferred interest) by the fifth anniversary of its original deferral;

 Infratil fails to comply with the Distribution Stopper;

 Infratil fails to pay any amount required to be paid on the repayment of the

Capital Bonds;

 Infratil fails to pay any amount required to be paid to purchase Capital Bonds

in connection with a successful Election Process;

 an insolvency event occurs in respect of Infratil (for example, a liquidator,

receiver or statutory manager is appointed in respect of Infratil);

 Infratil ceases to carry on all or substantially all of its business or operations;

or

 any Capital Bond ceases to be enforceable.

Early repayment Infratil may choose to repay all or some of the Capital Bonds early in certain

circumstances.

Infratil may repay all or some of the Capital Bonds:

 on any Reset Date;

 on any date falling in the period of three months prior to the First Reset Date;

 on any Interest Payment Date after a Reset Date if Infratil did not run an

Election Process in respect of the Reset Date or the Election Process in

respect of the Reset Date was unsuccessful; or

 at any time if a Tax Event or Rating Agency Event occurs.

Infratil may choose to repay all (but not some only) of the Capital Bonds at any time

if there are less than 100,000,000 Capital Bonds on issue.

If Infratil chooses to repay some but not all of the Capital Bonds early, at least

100,000,000 Capital Bonds must remain outstanding after the partial repayment.

For a partial repayment, Infratil will endeavour to treat all Bondholders on a

proportionate basis but may include adjustments to take account of the effect on

minimum holdings and other logistical considerations.

Bondholders have no right to require that their Capital Bonds be repaid early unless

an Event of Default has occurred.

See section 5.3 (Repayment) of the PDS for more information.

Tax Event A Tax Event will occur if Infratil receives an opinion from a reputable legal counsel

or tax adviser that there has been, or will be, a change or clarification in, or change

in the application, interpretation or administration of, any law, regulation, ruling or

directive, as a result of which the interest payments on the Capital Bonds would no

longer be fully deductible for tax purposes.

Rating Agency Event A Rating Agency Event will occur if:

 Infratil receives notice from a Rating Agency that, as a result of a change in

criteria, the Capital Bonds will no longer have the same equity content

classification from that Rating Agency as they had immediately prior to the

change in criteria; or

 Infratil ceases to hold an issuer credit rating from at least one Rating Agency.


6

Equity content S&P Global Ratings has assigned an "intermediate" equity content to the Capital

Bonds. Where such equity content is assigned, S&P Global Ratings will consider

that the Capital Bonds comprise 50% equity when calculating Infratil's financial

ratios.

The equity content is expected to fall to 0% from 15 June 2037.

Capital structure Infratil believes that hybrid securities such as the Capital Bonds that are assigned

an equity content are an effective capital management tool. Infratil intends to

maintain such instruments as a key feature of its capital structure going forward.

Rating Agency S&P Global Ratings (or its successors) or such other approved rating agency

(within the meaning of the Financial Markets Conduct Act 2013) appointed by

Infratil from time to time.

Election Process Infratil may run an Election Process in respect of each Reset Date.

Under an Election Process, Infratil may propose new conditions to apply to the

Capital Bonds from a Reset Date.

If this occurs, Bondholders may elect to accept or reject the new conditions in

respect of all or some of their Capital Bonds.

Infratil will determine, in its absolute discretion, whether the Election Process has

been successful.

In the case of a successful Election Process, the new conditions will apply to the

Capital Bonds from the Reset Date and Infratil will purchase any Capital Bonds in

respect of which Bondholders rejected the new conditions on the Reset Date.

In the case of an unsuccessful Election Process, the existing conditions will

continue to apply to the Capital Bonds and the Capital Bonds will remain

outstanding.

Only New Zealand Holders will be entitled to participate in an Election Process.

Infratil may repay Capital Bonds held by non-New Zealand Holders on the relevant

Reset Date.

Repayment price If the Capital Bonds are repaid:

 on the Maturity Date;

 following an Event of Default;

 on a Reset Date or on any date falling in the period of three months prior to

the First Reset Date;

 at any time if a Tax Event occurs; or

 if there are less than 100,000,000 Capital Bonds on issue,

or purchased by Infratil following a successful Election Process, Bondholders will

receive an amount equal to the Principal Amount (NZ$1.00) plus all accrued but

unpaid interest for each Capital Bond repaid or purchased.

If the Capital Bonds are repaid:

 on any Interest Payment Date after a Reset Date if Infratil did not run an

Election Process in respect of the Reset Date or the Election Process in

respect of the Reset Date was unsuccessful; or

 at any time if a Rating Agency Event occurs,

Bondholders will receive an amount equal to the greater of:

 the Principal Amount plus all accrued but unpaid interest; or

 the market value of the Capital Bond (as determined in accordance with the

Trust Deed),

for each Capital Bond repaid.

Minimum subscription

amount

NZ$5,000 and in multiples of NZ$1,000 after that.


7

Transfer restrictions Bondholders are entitled to sell or transfer their Capital Bonds at any time subject

to the terms of the Trust Deed, the selling restrictions set out in section 9 of the

PDS and applicable financial markets laws and regulations. Infratil or the Registrar

may decline to register a transfer of Capital Bonds in accordance with the Trust

Deed.

The minimum amount of Capital Bonds a Bondholder can transfer is NZ$1,000. No

transfer will be registered if the transfer would result in the transferor or the

transferee holding or continuing to hold less than 5,000 Capital Bonds (other than

zero).

NZX Debt Market

Quotation

Infratil will take all steps necessary to ensure that the Capital Bonds are quoted on

the NZX Debt Market.

NZX is a licensed market operator, and the NZX Debt Market is a licensed market,

under the Financial Markets Conduct Act 2013.

NZX Debt Market Ticker

Code

IFT380

ISIN NZIFTD0380L2

Record Date The Record Date is, in the case of:

 payments of interest, close of business on the date which is 10 calendar days

before the Interest Payment Date on which the interest is paid (or such other

date as may be prescribed by NZX);

 payments of any other amount, close of business on a date determined by

Infratil and notified to NZX (or such other date as may be prescribed by NZX);

and

 an Election Process, close of business on the date which is two Business Days

prior to when the relevant Election Notice is sent.

For payments of interest, if the Record Date is not a Business Day, the Record

Date will be the immediately preceding Business Day.

Business Day A Business Day is:

 for the purposes of giving notices, a day which is a business day within the

meaning of the NZX Listing Rules; and

 for all other purposes, a day (other than a Saturday or Sunday) on which

registered banks are generally open for business in New Zealand.

If a payment date is not a Business Day, Infratil will make payment on the next

Business Day, but no adjustment will be made to the amount payable.

Supervisor Trustees Executors Limited.

Registrar and Paying

Agent

MUFG Pension & Market Services (NZ) Limited.

How to apply There is no public pool for Capital Bonds under the Offer. All of the Capital Bonds

offered under the Offer have been reserved for subscription by clients of the Joint

Lead Managers, other Primary Market Participants and approved financial

intermediaries invited to participate in the Bookbuild.

This means you can only apply for Capital Bonds if you are a client of a Joint Lead

Manager, other Primary Market Participant or approved financial intermediary who

has obtained an allocation. You can find a Primary Market Participant by visiting

www.nzx.com/investing/find-a-participant.

The Joint Lead Manager, Primary Market Participant or approved financial

intermediary will:

 give you a copy of the PDS;

 explain what you need to do to apply for Capital Bonds; and

 explain what payments need to be made by you and by when.


8

The Joint Lead Manager, other Primary Market Participant or approved financial

intermediary can also explain what arrangements will need to be put in place for

you to trade the Capital Bonds, including obtaining a CSN, an authorisation code

and opening an account with a Primary Market Participant as well as the costs and

timeframes for putting such arrangements in place.

Brokerage Infratil will pay a firm brokerage fee comprised of a retail brokerage fee and a firm

allocation fee. Such amounts will be paid to the Arranger who will distribute as

appropriate to the Joint Lead Managers, other Primary Market Participants and

approved financial intermediaries. The retail brokerage fee and firm allocation fee

that will be payable by Infratil will be included in the updated Indicative Terms Sheet

to be released by Infratil via NZX on or about the Opening Date (2 June 2026).

Governing law New Zealand.

No underwriting The Offer is not underwritten.

Selling Restrictions The PDS only constitutes an offer of Capital Bonds to investors in New Zealand

and does not constitute an offer of Capital Bonds in any jurisdiction other than New

Zealand.

Infratil has not taken and will not take any action which would permit a public or

regulated offering of Capital Bonds, or possession or distribution of any offering

material in respect of the Capital Bonds, in any country or jurisdiction other than

New Zealand.

The Capital Bonds may only be offered for sale or sold in compliance with all

applicable laws and regulations in any country or jurisdiction in which they are

offered, sold or delivered.

The PDS, this Terms Sheet and any other offering material in respect of the Capital

Bonds may only be published, delivered or distributed in compliance with all

applicable laws and regulations (including those of the country or jurisdiction in

which the material is published, delivered or distributed).

By subscribing for Capital Bonds, you agree to comply with the Selling Restrictions

and to indemnify Infratil, the Supervisor, the Registrar, the Arranger and each Joint

Lead Manager (and their respective directors, officers, employees, agents and

advisers) in respect of any loss, cost, liability or expense sustained or incurred as

a result of you breaching the Selling Restrictions.

Non-reliance This Terms Sheet does not constitute a recommendation by the Supervisor,

Arranger, the Joint Lead Managers, or any of their respective directors, officers,

employees, agents or advisers to subscribe for, or purchase, any of the Capital

Bonds.

The Supervisor, Arranger and the Joint Lead Managers have not independently

verified the information contained in this Terms Sheet. In accepting delivery of this

Terms Sheet, you acknowledge that none of the Supervisor, the Arranger, the Joint

Lead Managers nor their respective directors, officers, employees, agents or

advisers gives any warranty or representation of accuracy or reliability and they

take no responsibility for it.

Other Information

The terms and conditions of the Capital Bonds are set out in the Trust Deed. Bondholders are bound by, and

deemed to have notice of, and acknowledge and agree to the terms of, the Trust Deed. You can obtain a copy of

the Trust Deed from the Disclose Register at www.disclose-register.companiesoffice.govt.nz (offer number

OFR15093).


Before making any investment decision, it is important that you consider the suitability of an investment in the

Capital Bonds in light of your individual risk profile for investments, investment objectives and personal

circumstances (including financial and tax issues). You can seek advice from a financial advice provider to help

you make an investment decision.


9

Directory

Issuer

Infratil Limited

5 Market Lane

PO Box 320

Wellington 6140

Telephone: 04 473 3663

Supervisor

Trustees Executors Limited

Level 11, 51 Shortland Street

Auckland 1010

Telephone: 0800 878 783

Registrar

MUFG Pension & Market Services (NZ) Limited

Level 30, PwC Tower

15 Customs Street West

Auckland 1010

PO Box 91976

Auckland 1142

Telephone: 09 375 5998

Arranger and Joint Lead Manager

Bank of New Zealand

Level 6, 80 Queen Street

Auckland 1010

Telephone: 09 924 9602

Joint Lead Managers

Craigs Investment Partners Limited

Level 32, Vero Centre

48 Shortland Street

Auckland 1010

Telephone: 0800 272 442

Forsyth Barr Limited

Level 23, Shortland & Fort

88 Shortland Street

Auckland 1010

Telephone: 0800 367 227

---

Infratil Limited 5 Market Lane, PO Box 320, Wellington 6140, New Zealand Tel +64 4 473 3663 www.infratil.com





26 May 2026

Notice pursuant to regulation 49G(2)(e) of the Financial Markets Conduct Regulations 2014

Infratil Limited (Infratil) gives notice under regulation 49G(2)(e) of the Financial Markets Conduct

Regulations 2014 (Regulations) that it proposes to make an offer (Offer) for issue of unsecured,

subordinated, repayable, cumulative, interest-bearing capital bonds maturing on 15 June 2057 (Capital

Bonds).

The Offer will be made using short-form disclosure as the Capital Bonds will rank in priority to Infratil's

existing ordinary shares quoted on the NZX Main Board under the ticker code IFT ("Ordinary Shares").

As at the date of this notice, Infratil is in compliance with:

• the continuous disclosure obligations that apply to it in relation to the Ordinary Shares; and

• its financial reporting obligations (as defined in Regulation 49H(7) of the Regulations).

As at the date of this notice, there is no information that is "excluded information" that is required to be

disclosed for the purposes of regulation 49H(2)(e) of the Regulations.


Enquiries should be directed to:


Tom Robertson

Infratil Treasurer

Phone: +64 4 550 5432

Email: Tom.Robertson@infratil.com


Authorised for release by:


Brendan Kevany

Infratil Company Secretary

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.