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.

MISSION
We commit to develop and maintain a premier memorial
garden that offers exceptional products and services.

VISION
To become a world-class memorial garden
that 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
* 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)

Cemetery Concept
* Congested
* No maintenance=No fund
* Limited development
* Restricted use of burial space
* Burial rights only

SITE DEVELOPMENT PLAN

Now Selling:
-Block 1
-Block 16
-Block 22

Location:
San Nicolas, Panabo City, Davao del Norte
5 Access Roads:
1.
2.
3.
4.
5.

Via Bunawan City Road 3.5 km.

Via Piatos 2.5 km.
Via Licanan 4.5 km.
Via Lasang 5 km.
Via Panabo 12 km.

FEATURES & BENEFITS

FEATURES

BENEFITS

Tangible and Safe Investment(Real Estate Property)

High Resale Value & Low Risk Investment

A World-class Memorial Garden

Top-notch Amenities

Solid Marketing Network

Assurance of Professional and Excellent Customer Service

Wide and Expandable Area of Development

Guaranteed commitment to maintenance

Free Credit Life Insurance

Secured Property Ownership

Perpetual Use

Lifetime ownership: no annual tax/fee

Perpetual 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
Canteen

REGULAR LAWN LOT

Regular 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 Price
By Location

Standard (Inner Lot)

Premium (Along the road and pathway)
Special Premium (Near circumferential road and amenities)

ALLOWABLE INTERMENT
Two Full Body Caskets + 2 Skeletal Remains for Each Casket

ALLOWABLE INTERMENT
Four(4) Skeletal Remains
+
One(1) Full Body Casket with
One (1) Skeletal Remain

ALLOWABLE INTERMENT
Eight(8) Skeletal Remains

EXECUTIVE LAWN LOT

- 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)

FAMILY 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 Lots

FAMILY 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 meters

EASEMENT
*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 SERVICES
MEMORIAL SERVICE
FRESH BODY

SKELETAL

Marble Tablet Marker

Marble Tablet Marker

Engraving

Engraving

One(1) Tent

One(1) Tent

Forty(40) Chairs

Twenty(20) Chairs

Microphone & Amplifier

Microphone & Amplifier

Use of Interment Equipment

Use of Interment Equipment

Interment fee is paid for every interment.

Interment Assistance
Burial Coordinator

Burial Coordinator

Three(3) Service Crew

Two(2) Service Crew

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.
Philam Life pays off the outstanding balance in the event of borrowers untimely demise, and pays any excess to the
borrowers family.
SNMG with Philam Life frees the bereaved family of further financial obligation.
* SNMG(St. Nichols Memorial Garden)

CREDIT LIFE INSURANCE

(PHILAM)
GUIDELINES
Eligibility
Requirements

Date of Effectivity
Benefits
(with exemptions)

All borrowers, who are actively performing the normal chores of life; in good
health; ages 18-64
Filled up purchase agreement
Down payment

Upon Booking
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
Anywhere

CREDIT LIFE INSURANCE

(PHILAM)
AD & D TABLE OF INDEMNITY

Loss

AD&D Benefit

Life

100% of Principal Sum

Sight of Both Eyes

100% of Principal Sum

Both Hands

100% of Principal Sum

Both Feet

100% of Principal Sum

1 Hand & 1 Foot

100% of Principal Sum

1 Hand & Sight of 1 Eye

100% of Principal Sum

1 Foot & Sight of 1 Eye

100% of Principal Sum

1 Hand

50% of Principal Sum

1 Foot

50% of Principal Sum

Sight of 1 Eye

50% of Principal Sum

SAMPLE CLAIM SCENARIOS

SAMPLE CLAIM SCENARIOS

St. Nichols
Memorial
Garden

CREDIT LIFE INSURANCE

(PHILAM)
The insurance on the life of a Borrower
automatically terminates if any of the following events
occurs:

Individual Termination

a)
b)
c)
d)

e)
f)

g)

the Policy is terminated,

payments of the premium are discontinued,
the indebtedness is fully paid,
the indebtedness is in arrears for more than
three (3) months,
the Borrower attains his 65th birth
anniversary,
the indebtedness is discharged or transferred
to another creditor,
the borrower enters military, air or naval
service.

REQUIREMENTS
RESERVATION
2 Valid IDs
Dully filled out Buyer Information Form

Signed Reservation/Purchase Agreement

REQUIREMENTS
AT-NEED
1. Payments
Lawn Lot: 100% Payment of Lot Price
Executive 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.

REQUIREMENTS
FRESH BODY INTERMENT
1. 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 only
6. Paid Interment fee

REQUIREMENTS
SKELETAL INTERMENT
1.
2.
3.
4.
5.

Death Certificate
Exhumation Permit (LCR)
Certificate of Approval from the City Health
Certificate of Ownership
Interment Fee

WHERE TO PAY
St. Nichols Memorial Garden Office
Post Dated Checks
One Network Bank (Deposit Slip)
BDO(Deposit Slip)
BPI(Deposit Slip)