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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 letter outlines the peaceful mutual settlement between both parties, with the debtor agreeing to pay a reduced amount of 20 thousand by January 6th, 2019, instead of the original 25 thousand due from 48 months ago. Both parties must agree to the terms, conditions, legal implications, and clauses of the agreement for the final settlement.