What’s going on with my Pohutukawa?

That's too bad.. could be black spot fungus, diplocarpon rosae. I would rule out the cold weather. Have my Pohutukawas in a heated greenhouse during the winter months without issues. Keeping it just above freezing during the coldest nights.
 
I don't have a problem with mine left out to the low 30's F. I'm guessing fungus as well.
 
Started my systemic fungicide treatment on all of them. Should have started this a couple weeks ago. Thanks!
 
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