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The settlement agreement letter is between Akali manager Apple Bank Bangladesh and creditor Mr. Codd SP Perry and debtor Mr. Moses Beep Ari. The debtor owed 25 thousand since 2017, but due to financial hardship, the creditor agrees to accept 20 thousand as final settlement. Both parties must agree to all terms, conditions, legal implications, and clauses of the agreement. The debtor must make the payment by January 6th for the agreement to be finalized.