St. Nichols Memorial Garden is the most prestigious memorial garden in Panabo City. Owned by Mr. & Mrs. Mario B. Balbin, this project was conceived because they want to provide the residents of Panabo City, Davao City and other towns of Davao del Norte, a long-lasting tribute to their loved ones who have passed away and offer a place for the family to heal and for all of them to unite.St. Nichols Memorial Gardens main concern is to provide quality service affordable and worth your money. The owners seek to develop the project as a high-end memorial garden offering premium facilities at affordable cost. MISSIONWe commit to develop and maintain a premier memorial garden that offers exceptional products and services.VISIONTo become a world-class memorial gardenthat connects families together along with their departed loved ones to celebrate life, peace, and eternity.What differentiates a memorial park from a cemetery?Memorial Park Concept Cemetery Concept* Thoroughly planned with landscaped surroundings complete utilities, such as drainage, electrical, irrigation* Perpetual ownership of cemetery plot* Well maintained* Maintenance supported by Memorial Care Fund (Trust Fund) * Congested* No maintenance=No fund * Limited development* Restricted use of burial space* Burial rights onlySITE DEVELOPMENT PLANNow Selling:-Block 1-Block 16-Block 22Location: San Nicolas, Panabo City, Davao del Norte5 Access Roads:1. Via Bunawan City Road 3.5 km.2. Via Piatos 2.5 km.3. Via Licanan 4.5 km.4. Via Lasang 5 km.5. Via Panabo 12 km.FEATURES & BENEFITSFEATURES BENEFITSTangible and Safe Investment(Real Estate Property) High Resale Value & Low Risk InvestmentA World-class Memorial Garden Top-notch AmenitiesSolid Marketing Network Assurance of Professional and Excellent Customer ServiceWide and Expandable Area of Development Guaranteed commitment to maintenanceFree Credit Life Insurance Secured Property OwnershipPerpetual Use Lifetime ownership: no annual tax/feePerpetual Maintenance Care Fund No maintenance fee; 24 Hour Security Childrens Playground Chapel Administration Office Perpetual Care/Lifetime Maintenance of cleanliness & beautification of burial lots Ample Parking Spaces Comfort Rooms CanteenREGULAR LAWN LOTRegular lawn lots are beautifully covered with carpets of fresh green grass mounted with flat marble markers.-Size: 1 meters wide & 2.44 meters long-Only the marble tablet marker may be placed on the ground-Can be used after full payment of the Total Contract PriceBy Location Standard (Inner Lot) Premium (Along the road and pathway) Special Premium (Near circumferential road and amenities)ALLOWABLE INTERMENTTwo Full Body Caskets + 2 Skeletal Remains for Each CasketALLOWABLE INTERMENTFour(4) Skeletal Remains+One(1) Full Body Casket with One (1) Skeletal Remain ALLOWABLE INTERMENTEight(8) Skeletal Remains- Minimum of 4 lawn lots- Size: 1m. X 2.44m. each lot- No structures allowed: Only the marble tablet marker may be placed on the ground- Can be used after payment of 50% of the Total Contract Price By Location Premium(Along the road and pathway) Special Premium (Near circumferential road and amenities)EXECUTIVE LAWN LOTFAMILY ESTATE Provides underground and above-ground interment options for both fresh and cremated remains Unlimited interment The mausoleum design should conform with the design guidelines for mausoleum construction set by St. Nichols Memorial Garden:*Color: All shades between white & brown/lighter shades of gray.*Use of Glass: Stained/brown/transparent tinted glass for outer finishing.*Rooftop Design: Flat/shed/hip/saltbox/gable roof design Lot usage and design is to be approved by SNMG. Structure can be constructed after full payment of the lot Can be used after paying at least 50% of the Total Contract Price Has two(2) types: Royal Legacy Lots & Celestial Legacy LotsFAMILY ESTATE: ROYAL ESTATE-Contains a minimum area equivalent to eight(8) Lawn Lots-Total Area: 8 Lots x (1x2.44m per lot)= 19.52 m.-Total Buildable Area: 4m.-1m.(4.88m.-1m.)= 11.64 m.-Height: up to 3.5 metersEASEMENT*FRONT: 1 m.*BOTH SIDES: 0.5 m.*BACK: 0 m.FAMILY ESTATE: CELESTIAL ESTATE-Contains a minimum area equivalent to sixteen(16) lawn lots-Total Area: 16 Lots x (1x2.44m per lot)= 39.04 m.-Total Buildable Area: 8m.-1m.(4.88m.-1m.)= 27.16m.-Height: up to 7 m.EASEMENT*FRONT: 1 m.*BOTH SIDES: 0.5 m.*BACK: 0 m.INTERMENT SERVICESMEMORIAL SERVICEFRESH BODY SKELETALMarble Tablet Marker Marble Tablet MarkerEngraving EngravingOne(1) Tent One(1) TentForty(40) Chairs Twenty(20) ChairsMicrophone & Amplifier Microphone & AmplifierUse of Interment Equipment Use of Interment EquipmentInterment AssistanceBurial Coordinator Burial CoordinatorThree(3) Service Crew Two(2) Service CrewInterment fee is paid for every interment.Interment should be requested 3 days before the scheduled service.Additional Php 1,000 for rush interment.CREDIT LIFE INSURANCE(PHILAM)What is Credit Life Insurance? Term insurance purchased to insure the lives of the borrowers. SNMG avails of credit life and becomes the OWNER and primary BENEFICIARY of the policy. The borrower(CLIENT) purchases the insurance and becomes the INSURED. PhilamLife pays off the outstanding balance in the event of borrowers untimely demise, and pays any excess to the borrowers family. SNMG with PhilamLife frees the bereaved family of further financial obligation.* SNMG(St. Nichols Memorial Garden)CREDIT LIFE INSURANCE(PHILAM)GUIDELINESEligibilityAll borrowers, who are actively performing the normal chores of life; in good health; ages 18-64RequirementsFilled up purchase agreementDown paymentDate of EffectivityUpon BookingBenefits(with exemptions)DEATH Anytime, Anywhere, Any Cause of Death(except suicide on the first year)TOTAL & PERMANENT DISABILITY BENEFIT (TPD) TPD defined: Disability that is the result of bodily injury or disease. Prevented from working for compensation or profit for which he is qualified by education, training or experience. 6-month waiting period. Lump-sum payment.ACCIDENTAL DEATH & DISMEMBERMENT BENEFIT (AD&D) Provides an additional benefit if the insured dies or is dismembered within 180 days from the date of an accident. Anytime AnywhereAD & D TABLE OF INDEMNITYLossAD&D BenefitLife 100% of Principal SumSight of Both Eyes 100% of Principal SumBoth Hands 100% of Principal SumBoth Feet 100% of Principal Sum1 Hand & 1 Foot 100% of Principal Sum1 Hand & Sight of 1 Eye 100% of Principal Sum1 Foot & Sight of 1 Eye 100% of Principal Sum1 Hand 50% of Principal Sum1 Foot 50% of Principal SumSight of 1 Eye 50% of Principal SumCREDIT LIFE INSURANCE(PHILAM)SAMPLE CLAIM SCENARIOSSAMPLE CLAIM SCENARIOSSt. Nichols Memorial GardenIndividual TerminationThe insurance on the life of a Borrower automatically terminates if any of the following events occurs:a) the Policy is terminated,b) payments of the premium are discontinued,c) the indebtedness is fully paid,d) the indebtedness is in arrears for more than three (3) months,e) the Borrower attains his 65th birth anniversary,f) the indebtedness is discharged or transferred to another creditor,g) the borrower enters military, air or naval service.CREDIT LIFE INSURANCE(PHILAM)RESERVATION 2 Valid IDs Dully filled out Buyer Information Form Signed Reservation/Purchase AgreementREQUIREMENTSREQUIREMENTSAT-NEED 1. PaymentsLawn Lot: 100% Payment of Lot PriceExecutive Lot & Family Legacy: 50% Payment of Lot Price 2. Account should be updated.3. The outstanding monthly amortization shall be for a maximum of 3 years and must be covered with post dated checks(executive lot & family legacy only).4. Cash payments only. In case of check payment, it must be cleared at least three(3) days prior to interment.REQUIREMENTSFRESH BODY INTERMENT1. Signed Interment Order (SPA/Authorization Letter with a Valid ID: in the absence of the lot owner)2. Death Certificate(photocopy)3. Burial Permit(photocopy)Php 1,000 Bond shall be paid in case of failure to present the Burial Permit two(2) days prior to interment. Refundable upon submission.4. Size of Casket (length, height & width)5. Certificate of Ownership(original):fully paid lots only6. Paid Interment fee SKELETAL INTERMENT1. Death Certificate2. Exhumation Permit (LCR)3. Certificate of Approval from the City Health4. Certificate of Ownership5. Interment FeeREQUIREMENTSWHERE TO PAYSt. Nichols Memorial Garden OfficePost Dated ChecksOne Network Bank (Deposit Slip)BDO(Deposit Slip)BPI(Deposit Slip)