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The settlement agreement letter is between Akali manager Apple Bank Bangladesh and creditor Mr. Codd SP Perry, and debtor Mr. Mo Fees Beep Ari. The agreement states the reasons for a peaceful settlement, terms, legal implications, and clauses. The original debt amount of 25 thousand, due since 1/1/2017, is now settled at 20 thousand due to financial hardship. Debtor must make full payment by 1/6.