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The settlement agreement letter dated January 11, 2019, is between Akali manager of Apple Bank Bangladesh and creditor Mr. Kottis Beep Ari, debtor Mr. Mo Fees Beep Ari. Both parties agree to terms, legal implications, and clauses. The original debt of 25 thousand due on 1/1/2017 is now settled for 20 thousand due to the debtor's financial hardship, with payment due by 1/6.