COMPANY PROFILESt. Nchos Memora Garden s the most prestgous memora garden n Panabo Cty. Owned by Mr. & Mrs. Maro B. Babn, ths pro|ect was conceved because they want to provde the resdents of Panabo Cty, Davao Cty and other towns of Davao de Norte, a ong-astng trbute to ther oved ones who have passed away and oher a pace for the famy to hea and for a of them to unte.St. Nchos Memora Gardens man concern s to provde quaty servce ahordabe and worth your money. The owners seek to deveop the pro|ect as a hgh-end memora garden oherng premum factes at ahordabe cost. MISSION - VISIONMISSIONWe commit to develop and maintain a premier memorial garden tat o!er" e#ceptional prod$ct" and "ervice"%VISION&o 'ecome a (orld-cla"" memorial gardentat connect" )amilie" togeter along (it teir departed loved one" to cele'rate li)e* peace* and eternit+%&,E CONCEP&What dherentates a memora park from a cemetery?Memorial Par- Concept Cemeter+ Concept* Thoroughy panned wth andscaped surroundngs compete uttes, such as dranage, eectrca, rrgaton* Perpetua ownershp of cemetery pot* We mantaned* Mantenance supported by Memora Care Fund (Trust Fund) * Congested* No mantenance=No fund * Lmted deveopment* Restrcted use of bura space* Bura rghts onySITE DEVELOPMENT PLANACCESSI.ILI&YLocaton: San Nicola"* Pana'o Cit+* /avao del Norte5 Access Roads:1. Va Bunawan Cty Road - 3.5 km.2. Va Patos - 2.5 km.3. Va Lcanan - 4.5 km.4. Va Lasang - 5 km.5. Va Panabo - 12 km.FEATURES & BENEFITSFEA&0RES .ENEFI&STangbe and Safe Investment(Rea Estate Property)Hgh Resae Vaue & Low Rsk InvestmentA Word-cass Memora Garden Top-notch AmentesSod Marketng Network Assurance of Professona and Exceent Customer ServceWde and Expandabe Area of Deveopment Guaranteed commtment to mantenanceFree Credt Lfe Insurance Secured Property OwnershpPerpetua Use Lfetme ownershp: no annua tax/feePerpetua Mantenance Care Fund No mantenance fee; 24 Hour SecurtyAMENI&IESChdrens PaygroundChape Admnstraton OmcePerpetua Care/Lfetme Mantenance of ceanness & beautcaton of bura otsAmpe Parkng SpacesComfort RoomsCanteenPRO/0C& &YPESPRO/0C& &YPESRE10LAR LAWN LO&Reguar awn ots are beautfuy covered wth carpets of fresh green grass mounted wth at marbe markers.-Sze: 2 meter" (ide 3 4%55 meter" long-Ony the marbe tabet marker may be paced on the ground-Can be used after )$ll pa+ment of the Tota Contract Prce.+ Location Standard (Inner Lot) Premum (Aong the road and pathway) Speca Premum (Near crcumferenta road and amentes)6 IN&ERMEN& OP&IONS72-La(n Lot8ALLOWABLE INTERMENTTwo Fu Body Caskets + 2 Skeeta Remans for Each CasketALLOWABLE INTERMENTFour(4) Skeeta Remans+One(1) Fu Body Casket wth One (1) Skeeta Reman ALLOWABLE INTERMENTEght(8) Skeeta Remans-Mnmum of 5 la(n lot"-Sze: 1m. X 2.44m. each ot-No structures aowed: Ony the marbe tabet markermay be paced on the ground-Can be used after pa+ment o) 9:; of the Tota Contract Prce .+ Location Premi$m (Aong the road and pathway) Special Premi$m (Near crcumferenta road and amentes)E Fat/shed/hp/satbox/gabe roof desgn Lot usage and desgn s to be approved by SNMG. Structure can be constructed after fu payment of the ot Can be used after payng at east 50% of the Tota Contract Prce Has two(2) types: Roya Legacy Lots & Ceesta Legacy Lots At east 30% of the area shoud be reserved for awnFAMILY ES&A&E> ROYAL ES&A&E-Contans a mnmum area equvaent to eigt7?8 La(n Lot"-Up to 6%9 meter" in eigtPRO/0C& &YPESFAMILY ES&A&E> CELES&IAL ES&A&E-Contans a mnmum area equvaent to "i#teen72@8 la(n lot"-Up to A meter" in eigtPRO/0C& &YPESINTERMENT SERVICESMEMORIAL SERVICEFRESH BODY SKELETALMarbe Tabet Marker Marbe Tabet MarkerEngravng EngravngOne(1) Tents One(1) TentForty(40) Chars Twenty(20) CharsMcrophone & Amper Mcrophone & AmperUse of Interment Equpment Use of Interment EqupmentInterment A""i"tanceBura Coordnator Bura CoordnatorThree(3) Servce Crew Two(2) Servce CrewInterment fee s pad for every nterment.Interment shoud be requested 3 days before the schedued servce.Addtona Php 1,000 for rush nterment.CREDIT LIFE INSURANCE(PHILAM)Wat i" Credit Li)e In"$ranceB Term nsurance purchased to nsure the ves of the borrowers. SNMG avas of credt fe and becomes the OWNER and prmary BENEFICIARY of the pocy. The borrower(CLIENT) purchases the nsurance and becomes the INSURED. Pham Lfe pays oh the outstandng baance n the event of borrowers untmey demse, and pays any excess to the borrowers famy. SNMG wth Pham Lfe frees the bereaved famy of further nanca obgaton.* SNMG(St. Nchos Memora Garden)CREDIT LIFE INSURANCE(PHILAM)10I/ELINESEligi'ilit+A borrowers, who are actvey performng the norma chores of fe; n good heath; ages 18-64ReC$irement"Fed up purchase agreementDown payment/ate o) E!ectivit+Upon Bookng.eneDt"(wth exemptons)/EA&, Anytme, Anywhere, Any Cause of Death(except sucde on the rst year)&O&AL 3 PERMANEN& /ISA.ILI&Y .ENEFI& 7&P/8 TPD dened: Dsabty that s the resut of body n|ury or dsease. Prevented from workng for compensaton or prot for whch he s quaed by educaton, tranng or experence. 6-month watng perod. Lump-sum payment.ACCI/EN&AL /EA&, 3 /ISMEM.ERMEN& .ENEFI& 7A/3/8 Provdes an addtona benet f the nsured des or s dsmembered wthn 180 days from the date of an accdent. Anytme AnywhereA/ 3 / &A.LE OF IN/EMNI&YLossAD&D BenefitLife 100% of Principal SumSight of Both Eyes 100% of Principal SumBoth Hans 100% of Principal SumBoth !eet 100% of Principal Sum1 Han & 1 !oot 100% of Principal Sum1 Han & Sight of 1 Eye 100% of Principal Sum1 !oot & Sight of 1 Eye 100% of Principal Sum1 Han "0% of Principal Sum1 !oot "0% of Principal SumSight of 1 Eye "0% of Principal SumCREDIT LIFE INSURANCE(PHILAM)SAMPLE CLAIM SCENARIOSSAMPLE CLAIM SCENARIOSIndvdua TermnatonThe nsurance on the fe of a Borrower automatcay termnates f any of the foowng events occurs:a) the Pocy s termnated,b) payments of the premum are dscontnued,c) the ndebtedness s fuy pad,d) the ndebtedness s n arrears for more than three (3) months,e) the Borrower attans hs 65th brth annversary,f) the ndebtedness s dscharged or transferred to another credtor,g) the borrower enters mtary, ar or nava servce.CREDIT LIFE INSURANCE(PHILAM)RESERVATION2 Vad IDsDuy ed out Buyer Informaton FormSgned Reservaton/Purchase AgreementREOUIREMENTSREOUIREMENTSAT-NEED 1. PaymentsLawn Lot: 100% Payment of Lot PrceExecutve Lot & Famy Legacy: 50% Payment of Lot Prce 2. Account shoud be updated.3. The outstandng monthy amortzaton sha be for a maxmum of 3 years and must be covered wth post dated checks(executve ot & famy egacy ony).4. Cash payments ony. In case of check payment, t must be ceared at east three(3) days pror to nterment.REOUIREMENTSFRESH BODY INTERMENT1. Sgned Interment Order (SPA/Authorzaton Letter wth a Vad ID: n theabsence of the ot owner)2. Death Certcate(photocopy)3. Bura Permt(photocopy)Php 1,000 Bond sha be pad n case of faure to present the BuraPermt two(2) days pror to nterment. Refundabe upon submsson.4. Sze of Casket (ength, heght & wdth)5. Certcate of Ownershp(orgna):fuy pad ots ony6. Pad Interment fee SKELETAL INTERMENT1. Death Certcate2. Exhumaton Permt (LCR)3. Certcate of Approva from the Cty Heath4. Certcate of Ownershp5. Interment FeeREOUIREMENTSWHERE TO PAYSt. Nchos Memora Garden OmcePost Dated ChecksOne Network Bank (Depost Sp)BDO(Depost Sp)BPI(Depost Sp)