depilat crosshall glo 1

Tomorrows’ student accommodation today

Contents

Introducing Vita Student Property 01

Its mission, motivation and the impressiveteam behind it.

Welcome to Vita Student at Crosshall 06

Vita Student’s latest project in the heart ofLiverpool city centre.

Vita Student living at Crosshall 10

Vita Student at Crosshall’s apartments, specificationand example floor layout.

Vita Student community at Crosshall 12

Communal spaces and facilities.

Vita Student Liverpool 16

The university city of Liverpool and whyit has been selected as a Vita Student location.

The team behind Vita Student 20

An introduction to Vita Student’s experiencedand award-winning team.

The investment at Crosshall 22

A fully managed investment with assuredrental returns and 6 year payment plan.

An overview of the UK student property market 26

The UK’s strongest performing asset class.

01

Studentpropertyunlikeanythingthat hasgonebefore //

Student Accommodation

Vita Student is a premium brand, the first of

its kind dedicated to designing, developing

and delivering the finest student residences

in the UK.

Recognising the shift in the higher

education market, Vita Student and its

award winning team is pioneering the

change in student property in locations

across the UK by creating exceptional

student residences of the highest standard

complete with first class facilities, unlike

anything that has gone before.

For the investor, Vita Student offers a hassle

free,fully managed property investment with

assured returns in the UK’s best student

accommodation projects.

02 03

VITA STUDENT IS CHANGING THE FACE OF STUDENT PROPERTY IN KEY UK UNIVERSITY CITIES.

04 05

With the recent rise in tuition fees creating

strong competition amongst institutions to

attract students, universities are being

forced to focus more than ever on the

‘student experience’, including a significant

upgrade in the accommodation on offer.

Likewise, in return for the higher fees,

today’s students expect a high standard of

university living.

Furthermore, the lucrative overseas market,

where fees can be as much as double that

for domestic students, is a particular target

of universities, intensifying the demand for

first class facilities and living spaces.

The shake-up in UK higher education

funding means that students are now

recognised as consumers. Vita Student

properties are targeted at the growing

section of these consumers demanding a

higher standard of living which they are

prepared to pay higher rents for. Vita

Student properties have particular appeal

for final year, international and

post-graduate students.

Whilst the shift in the requirements of

students has been acknowledged by higher

education institutions, with reports

of plans for modernised buildings, ‘hotels on

campus’ and new facilities, the current

reality is a severe shortage of premium

quality accommodation. Projects recently

introduced to the market through the private

sector, that have been popular amongst

some investors, have so far still tended

towards a more standard level of

specification, leaving a gap for true high

end accommodation available to be

purchased by individuals, until now.

Vita Student is the first to offer individuals the chance to purchase

student property at a competitive price of a level of quality not

seen before. With the demand for high end student accommodation

considerably outweighing supply, this commodity sits at the top of

a growing market, making Vita Student an exciting property

investment opportunity.

Student accommodation in the UK is changing

Higher fees means higher demands from students:

Vita Student’s luxury student residences feature high

quality fixtures and fittings as standard.

An artist’s impression of the Vita Student Crosshall Street Development

06 07

Vita Student at Crosshall is a complete

refurbishment of the stunning 19th century

Crosshall building on Crosshall Street

which runs off the major route through

Liverpool city centre. Originally a printing

house, the Crosshall building is a reminder

of Liverpool’s rich heritage dating back to

the city’s era as a world-leading shipping

district.

The building’s façade represents the best

of Victorian architecture and is well-known

for its unique terracotta detailing. Vita

Student at Crosshall will retain these

original features and, combined with

modern yet complementary interiors, will

create a unique student residence full of

character.

Designed to become the premier address

in Liverpool for student living, Vita Student

at Crosshall realises Vita Student’s vision

and raises the bar of luxury student

accommodation in one of the UK’s most

exciting cities.

Vita Student is proud to introduce Vita

Student at Crosshall. The third and final

phase of a £27million redevelopment

project in the heart of Liverpool City

Centre, Vita Student at Crosshall follows

the success of Vita Student at The

Chapel and Vita Student at Tinlings.

Vita Studentat Crosshall //

Luxury one bedroom

Studio apartments from

£59,950Retaining its original Victorian features, Vita Student at

Crosshall is a unique student residence, full of character.

08 09

Luxury student living: an artist’s impression of a studio in

Vita Student at Crosshall, design and layout by Huntsmere.

Apartment Specification

Each studio and suite has been comprehensively space-planned

to maximize the utility and efficiency of the spaces. Designed with

students in mind whilst maintaining the style and finish of a luxury

residence, all apartments are fully self-contained comprising:

• Kitchen featuring integrated microwave, electric hob,

fridge, sink and worktop area.

• En-suite shower room with boutique styling & designer fittings.

• Furniture pack including bed, workstation, wardrobe units,

bookcase, dining table and chairs.

• Free high-speed broadband.

• Wall hung flat screen TV with built-in Freeview.

• Secure entrance doors.

Typical Studio floorplan

Luxury one bedroom

Studio apartments from

Assured 9%* rental per

annum for the first 2 years.* Based on the list price.

£59,950

WC/Shower

Bedroom

De

sk

Kitchen

Lounge AreaTV

10 11

Vita Student livingat Crosshall //

Vita Student at Crosshall is home to

a choice of self-contained studios and

two-bedroom suites over six floors,

all fully furnished and completed to the

highest specification. Inside the

apartments contemporary design is

offset by large feature windows with

restored stone surrounds, maximising

the light and retaining the building’s

architectural heritage.

12 13

Vita Studentcommunityat Crosshall //

The basement level of Vita Student at

Crosshall joins with that of its neighbour

Vita Student at Tinlings to create a 6000

sqft state of the art community area.

Set around an atrium with views of its

courtyard, a collection of communal

zones with high-tech facilities come

together to create a modern and fresh

environment, set to become a thriving

hub of Vita Student residents and the

heartbeat of the buildings.

Spaces for work rest and play

As well as providing a focal point for Vita Student residents to meet and

relax in its spacious lounge area, the communal area of Crosshall includes

entertainment spaces housing pool tables and a video game station along

with a fitness centre featuring state of the art equipment. There are also

spaces designated for study with workstations and group study areas

including breakaway rooms to encourage collaborative learning.

Communal facilities

• 24 hour security

• Swipe card access

• Manned reception

• Lounge area with LCD TVs

• Internet stations

• Shared working areas

• 5 breakaway rooms

• Fully equipped, state of the art gym

• Pool table area

• Video game station

• Laundry room

14 15

Spaces to inspire and engage: an artist’s impression of the

communal area of Vita Student at Crosshall & Tinlings illustrating

the fantastic facilities available for Vita Student residents.

16 17

Located close to Crosshall, Liverpools main railway station at

Lime Street is a major hub to all the UK’s major cities. Retail

and leisure neighbour the Vita Student development at

Tinlings, with the famous Met Quarter only 2 minute walk away.

Vita Student at Crosshall is ideally situated for all major

transportation links, including air, road and rail. John

Lennon International Airport is only 20 minutes away by car.

Crosshall occupies a highly

prominent city centre location on

the edge of Liverpool’s Met Quarter

perfect for students within easy

reach of education, entertainment

and transport links. Very few

student projects enjoy such a

fantastic location, ensuring a great

reception from Crosshalls’ residents

who will enjoy convenient access to

the entire city.

Represents a 1km radius approx.

Crosshalllocation map //

18 19

Vita StudentLiverpool //

In order to select the best locations for its

projects, Vita Student pinpoints university

cities where there is an identified demand for

high quality student accommodation to

ensure high occupancy and maximized

returns for Vita Student owners.

The city of Liverpool currently represents one

of the best student property investment

opportunities in the UK and was chosen

by Vita student for its sold out development

‘The Chapel’, and now for Tinlings.

With over 50,000 students, Liverpool is

one of the largest universities in the UK

and with 6,000 of this number coming

from overseas, is one of the most popular

amongst international students. In

comparison, there remains a substantial

undersupply of purpose-built student property

in Liverpool creating an optimum buy-to-let

environment for investors who can take

advantage of this high demand with the

potential for strong returns.

What’s more, with no other accommodation in

Liverpool offering the same level of quality

and prestige, Vita Student’s developments are

set to become the most sought after student

property in Liverpool.

Liverpool has been reported as one of the

highest yielding cities in the UK for student

property - rental rates for student property in

Liverpool increased by13% in 2010 compared

to the national average of 5%. Knight Frank

Vita Student’s Liverpool projects are within a 4 minute walk

from Liverpool’s stunning new retail centre Liverpool 1.

A leading university city.

The 2012 Knight Frank Student Property

Report states that investment in towns which

have more than one university with a high

density of students can be the most

profitable. The city of Liverpool certainly fits

this profile with three of the UK’s leading

universities all within close proximity; the

University of Liverpool, Liverpool John

Moores and Liverpool Hope University. Also

in Liverpool are the highly regarded

Liverpool International Language Academy

(LILA), Liverpool Institute of Performing Arts

(LIPA) as well as the Liverpool School of

Tropical Medicine, the first of its kind in the

world with students from over 50 countries.

International Students in Liverpool

International students make up over

10% of the student population in Liverpool

which is set to increase with the number

of overseas students in UK universities

predicted to rise by a further 10% this

decade (British Council 2012).

In particular, Liverpool has a long history

of connections with China, being home to the

largest Chinese community in Europe. The

University of Liverpool also has

a partner university in China with an

exchange programme in place driving

further numbers of Chinese students to

Liverpool.

Built on an illustrious heritage that

stretches back 800 years, Liverpool

has a global reputation for sport, music

and architecture. Following its reign as

the European Capital of Culture in

2008, Liverpool is enjoying

unparalleled cultural, financial

investment and growth.

Liverpool has grown faster than any UK

city outside London with more than

£4bn of private and public investment

since 2000.

Liverpool's cultural wealth has long

been a major attraction with more

museums, theatres, galleries and listed

buildings than in any other region

outside London.

Liverpool is one of the UK’s top five

retail destinations and a UNESCO

World Heritage Site for its impressive

waterfront.

Home to two Premiership football

teams; Liverpool and Everton Football

Clubs.

Birthplace of The Beatles!

LIVERPOOLFA

CT

FIL

E

Historic architecture blends with contemporary

multi-million pound developments such as the

incredible Museum of Liverpool.

As well as its heritage and architecture Liverpool

is home to a number of iconic locations as well as

being made famous by the Beatles.

Ok diga vk uhm.

20 21

The teambehindVita Student //

04

05

nt //

Vita Student brings together experts from

across the industry to design and develop,

promote and manage its highly desirable

student residences that deliver a secure, fully-

managed and rewarding investment to

Vita Student property owners.

03 02

01

Huntsmere // 01

Project Management and Design

Multi award-winning, Huntsmere is one of the

UK’s leading luxury residential developers

with a track record for creating some of the

finest properties in the most sought-after

locations in the UK.

From the construction of bespoke residences

in green belt and conservation areas to the

refurbishment of listed buildings and city

centre structures, Huntsmere create intelligent

and original living spaces with a relentless

focus on the finished detail.

In the last 18 months alone, Huntsmere has

delivered a portfolio of more than £20m of

completed homes to their clients and has

pipeline projects exceeding a further £60m.

CRM Students // 02

Management Company and Rental Provider

CRM Students is the UK's leading

independent student accommodation

manager with over six years’ experience in

managing purpose-built student property

developments

Possessing expertise in both property

management and student care, CRM operate

a range of sites across the UK with thousands

of units under its control. CRM Students has

forged strong relationships with universities,

and has become a preferred supplier for

quality student accommodation; bringing

experience and trust to the market.

Russells Construction // 03

Construction of Vita Student’s

Liverpool projects

Russells Construction is one of the North

West's most recognised main contractors,

undertaking new build and refurbishment

projects for some of the largest developers

across the region.

Having amassed a portfolio of clients

spanning the commercial, industrial, retail,

leisure and residential sectors including big

names such as Peel Holdings, Holiday Inn,

and RoK, Russells has a wealth of

experience and a strong track-record of

delivering high quality, large scale schemes

from hotels and multi-storey office towers to

retail and industrial parks.

Chafes Solicitors LLP // 04Buyers’ solicitor for Vita Student’s

Liverpool projects

Vita Student has selected Chafes, a leading

UK law firm, and its experienced property

team to offer Vita Student purchasers their

conveyancing services. Established in 1889,

Chafes successfully mix traditional values

with progressive thinking to provide their

clients with high quality legal services and

the best advice.

Vita Student has worked with Chafes to

create a tailor-made package optional for Vita

Student purchasers designed to minimise

costs and ensure the legal process of

purchasing a Vita Student property runs

seamlessly.

Select Property Group Limited // 05

Master Sales and Marketing Partner

Established in 2004, Select Property is one of

the UK’s largest sellers of investment

property having sold over £1.4 billion worth

of property in locations worldwide.

Vita Student uses Select Property’s intuitive

knowledge of the marketplace and property

investors’ demands to shape and create Vita

Student’s attractive investment opportunities,

and its expertise and far reach to present

them to the individual investor.

Vita Student at Crosshall

Build and Design Team

Project management & Design

Huntsmere

Main Contractor

Russells Construction

Architect

NC Homes Architects

Mechanical & Electrical

Engineers/SBEM:

REDS Building services Consultants

Structural Engineers (also

coordinating Below-Ground

Drainage):

BDI Structural Solutions

CDMC

AM Safety Specialists Ltd.

Building Survey

JLP Design (UK) Ltd

Building Control

Aedis Regulatory Services Ltd

Fire Strategy Engineers

Omega Fire Engineering

22 23

With prices starting from £59,950,

Vita Student at Crosshall presents an

affordable, fully managed investment

offering buyers a minimum annual

rental return of 9% net for the first

two years.

A uniqueinvestmentopportunity //

Net minimum

annual rental

return*

Assured for 2 years.

Year fully

managed

scheme

From rentals to ongoing

maintenance, everything

is taken care of.

9%

7Year non status

payment plan

available

Only 50% required up to

March 2014. Then

quarterly payments

over 6 years.

6

How your yield

is calculated

Estimate based on an example

list price of £64,950

Minimum 9% Net

yield is assured for

the first 2 years.*

Weekly Rent: £165

Number of Weeks: 51

Gross Annual Income: £8,415

Running Costs: £1,500

Ground Rent: £350

Management Fees: £505

Total Expenses: £2,355

Net Annual Income: £6,060

Net Yield: 9%

How the scheme works

Vita Student at Crosshall is a fully managed

7 year investment scheme. Working closely

with the management company CRM

Students, Vita Student will take care of the

complete management of the properties;

from general maintenance and dealing with

service providers to the securing of student

tenants.

When it comes to running costs, Vita

student operates an open-book policy to

show how the net rental return is derived.

Rental return will be paid to Vita Student

owners in termly instalments.

Vita Student at Crosshall Payment plans

Vita Student is the first to offer student property investors the option of a 6 year

non-status payment plan**. With only 50% of the list price required prior to March

2014, investors on the 6 year plan then pay the balance in fixed quarterly instalments.

Alternatively, investors can opt for the standard plan and pay the remaining balance

on completion:

Standard

Payment

Plan

6 Year

Payment

Plan

£5000 Deposit

25% Exchange of contracts

25% November 2013

(minus £5000 deposit)

50% Completion

£5000 Deposit

25%* Exchange of contracts

25%* November 2013

(minus £5000 deposit)

20 Quarterly payments over 6

years starting 1st March 2014

Providing investors with security, all payments are made to a UK solicitor.

*Based on list price of property. Purchasers on the 6 Year Payment Plan will receive 8.33% net minimum annual return for the first 2 years.

**The purchase price of properties on the 6 Year Payment Plan includes an increased premium of 8.1% above the standard list price which can be reduced by early settlement at any time.

24 25

INVESTMENTTIM

EL

INE

Year

1 (9% Assured Rental)


3

4

5

6

7

Total Returns

Cumulative ROI

4% Capital Growth 9% Net Rental Return

£64,950 £5,846

£67,548 £5,846

£70,250 £6,332

£73,060 £6,575

£75,982 £6,838

£79,022 £7,112

£82,182 £7,396

£17,232 £45,936

97%


£64,950 £5,846

£66,898 £5,846

£68,905 £4,134

£70,973 £4,258

£73,102 £4,386

£75,295 £4,518

£77,554 £4,653

£12,604 £33,641

71%

Year



3

4

5

6

7

Total Returns

Cumulative ROI


£64,950 £5,846

£68.198 £5,846

£71,607 £8,593

£75,188 £9,023

£78,947 £9,474

£82,894 £9,947

£87,039 £10,445

£22,089 £59,172

125%

Year



3

4

5

6

7

Total Returns

Cumulative ROI

Based on an example list price of £64,950.

Conservative

Predicted

Buoyant

A demonstration of the return on

investment (ROI) on a typical studio

in Vita Student at Crosshall in three

market conditions; conservative,

predicted and buoyant based on

figures from the Knight Frank 2011

Student Housing Report.

7 yearinvestmentforecast // Now

Reservation completed and £5000

reservation deposit paid.

Solicitors instructed and contracts

issued.

Exchange of contracts.

First instalment of 25% due

September 2012

Construction on Vita Student at

Crosshall commences.

March 2013

CRM Students commence active

marketing campaign to secure

tenants for September 2014.

November 2013

Second instalment of 25% due

(minus £5,000 reservation deposit)

March 2014

Quarterley instalments start for

6 year payment plan.

July 2014

Completion of Crosshall building.

Final instalment due for standard

payment plan.

Lease granted.

7 year scheme commences.

September 2014

Tenants move in.

January 2015

First instalment of assured

rental return is paid.

26 27

“It has outperformed every other

commercial property class and

delivered consistent returns throughout

the economic downturn.”

The fact that UK student n

accommodation has thrived over the r e

past two years, rapidly outpacing the t

UK’s conventional property market, e y

has not gone unnoticed. In fact its fast d n

growth and investment strength has e

been so prolific that in January 2012,J n

The Times ranked student e t

accommodation as the top asset class p

in the UK’s property market.a e

Knight Frank’s 2012 student property e

report added to the accolades, stating:c a

An overviewAn overviewof theo UK studentUUK studeproperty marketty markee //

The Student Property Market

When compared with other residential

and commercial property, student

property stands out as consistently

offering higher returns for investors. 2010

saw student property offering annual

average returns of 13.5% in

a market where commercial property

grew by just 8% and standard residential

property fell in value by 1.3%.

Average returns across the UK were

11.5% in 2011 and Knight Frank expects

total returns from student property to

increase in 2012 to 12% with rental yields

growing by 5%.

James Pullan, head of student property,

Knight Frank, says: “There is a large

structural undersupply of student

accommodation in the UK”.

“There is still strong and as yet unmet

demand for properties offered to

students for rents of less than £200

a week, offering investors a good

opportunity in the coming years.”

“New funding arrangements will come in

September 2012 when tuition fees of up

to £9,000 a year are introduced. However

all the early indicators suggest that once

again there will be more applications

than places offered.”

The best performing

asset in the UK property

market. The Times

Past returns from Student Accommodation*

Average studio rent £178

Average en-suite rent for 2010/11 £112

Average rental change (year to December 2010) 2%

Average capital value charge (year to December 2010) 7%

Rental yield (December 2010) 6%

Total Annual Return 2010 13%

Total Annual Return 2011 11.5%

Forecast Annual Return 2012 12%

* Source: Knight Frank Student Housing Report.

28 29

Demand at all time high

The popularity of student accommodation

amongst investors is ultimately driven by

consistent occupancy rates of 99% or

higher and a structural undersupply.

Demand for purpose built student rooms

amongst students is extremely high

meaning average rental rates have risen

year on year, increasing by 34% between

2005 and 2010.

The strongest performance in student

accommodation so far has naturally been

centred around the most popular university

towns and cities. Durham, Cardiff,

Birmingham, Liverpool and Nottingham are

all good examples of where residential

property prices are relatively low yet rental

rates are rapidly increasing due to the

popularity of the local universities and the

number of students attending them.

Investors have not been slow to catch on

and are capitalising on this. As a result

investment in UK student accommodation

has boomed over the last few years. CBRE,

a world leading real estate adviser, recently

released a report that stated £863 million

was invested into student accommodation

in 2011.

This figure represents a significant increase

of £93 million compared with 2010 and

a staggering 120% increase on the amount

invested in 2009.

This growth trend is certainly continuing

with CBRE’s 2012 Q1 report highlighting

that £246 million has already been invested

into the student housing sector during the

first quarter of this year. If this rate

continues student accommodation

investment will be 12% higher than last

year.

The Future

The face of the UK university education

and, consequently, the student

accommodation market is changing.

Currently there is extremely high demand to

attend university - a demand that far

out-strips supply. In 2010 there were over

700,000 applications for just 490,000

university places.

This demand looks set to continue

particularly in top-flight university cities.

Knight Frank reports on a ‘flight to quality’,

with students seeking the best courses for

their fees. This shift in turn is predicted to

translate on to the student property market

in the form of an increased demand for

a higher standard of student

accommodation.

AEGON Asset Management’s Kames

Capital believes there are huge

opportunities for those investing in the

sector. Its head of property investment,

Phil Clark, said: “The alternative property

sectors could offer some attractive

opportunities in 2012.

"In particular I believe investors should

consider a greater exposure to alternative

sectors such as residential property,

student accommodation or healthcare

property. One of the key attractions of these

alternative sectors is they generally have a

high income yield, an ability to track

inflation and have low vacancy rates.”

"Student accommodation demand for the

best universities is leading to typical annual

vacancy rates of less than 2 per cent."

But that is not all. The growth in university

applications has been significantly

influenced by a rise in overseas students

which is predicted to increase even more in

the next academic year.

In 2010 the number of overseas students

applying to UK universities increased by

12.5%, and there were even more in 2011.

Experts have cited the appeal lies with the

quality of university education in the UK and

competitive tuition fees on a global scale.

Knight Frank believes the demand is going

to keep on growing. Its 2011 student

property report states: “Clearly, a UK

university education continues to be held in

high esteem around the world and this

demand is set to expand exponentially in

line with global wealth generation. The

number of UK universities, by comparison,

is a finite resource and looks set to remain

so as government budgets are

constrained.”

Student demand for university places

exceeds supply. UCAS

700,000

600,000

500,000

400,000

300,000

200,000

100,000

0

2001

2002

2003

2004

2005

2006

2007

2008

2009

2010

Source: UCAS

Surplus demand Accepted applicants

In light of the recent increase in university

tuition fees, this growing trend looks set to

continue. The Sunday Times explained this

is because “overseas students have

a different fees scale and are less affected

by the changes”. While higher fees may

deter some domestic undergraduates and

reduce applications, the amount of

overseas students are not only forecast to

remain unaffected, but are likely to increase.

With numbers of EU and domestic students

capped, universities are extremely keen to

market themselves on an international scale

to attract more overseas students. This

affects the higher end of the student

accommodation market as overseas

students have a higher tendency to choose

quality purpose built accommodation for ba

number of reasons including security,

location and facilities.

Like overseas students, mature students

also opt for higher quality student

accommodation usually within private,

purpose built developments and represent

a growing demographic as Knight Frank’s

2011 student property report explains:

“Changes in the way that higher education

is provided in the UK will change the face

of the student population. With universities

under increasing pressure to provide more

two-year degrees and work-based learning

(particularly in professions such as

surveying, accountancy, business and

media), the number of mature, part-time

and post-graduate students is likely to

increase significantly, as is the average age

of students.”

In conclusion, the growth in the UK student

property market over recent years and its

generation of strong yields for investors has

been well documented. However, several

key factors including the increase in tuition

fees and rising number of international and

mature students has identified a shortage

in the market of accommodation of a higher

quality. With research suggesting that

demand from students only looks likely to

increase, investment in luxury student

property now could prove highly lucrative

for the savvy investor.

Source: UK Higher EducationInternational Unit / i-graduate

USA

Australia

UK

Canada

Singapore

New Zealand

Netherlands

Malaysia

China

Germany

0 5 10 15 20£,000

Country rankings - average annual

tuition fees for overseas students

USA 20%

UK 12%

France 8%

China 7%

Australia 7%

Germany 7%

Canada 5%

Japan 4%

All Others 30%

Top host countries

of international students 2010

Source: Atlas of student mobility,Institution of International Education

USA

Others

UK

Fr

ChAuGe

Ca

Ja

Source: UCAS

EU (ex.Eire)

Hong Kong

Far East (ex HK/Mal)

Malaysia

Middle East

Australasia

Other Overseas

Europe (ex EU)

Americas

Africa

-5 0 5 10 15 20 25

Percentage change in international

applicants to UK higher education

institutions

Please note that the information that we distribute is produced with great care and believed to be correct at the time of printing to the best of our knowledge. Pictures, layouts and

other details in this brochure are given as a general guide and may change from time to time in accordance with the final designs of the development and appropriate planning

permissions. We endeavour to ensure that any market forecasts we provide are accurate and well researched at all times, however we cannot ultimately warrant the accuracy of that

information and cannot be held liable for any reliance you may make of or put on it except as specifically agreed with us in any further agreement we may make with you in writing.

www.vitastudent.com

Per info:

GLOBINVEST Immobiliare

[email protected]. 39 334 9327318

depilat crosshall glo 1

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