Debt settlement. It is understood by the parties that the debtor has an unpaid debt to the creditor. By the mutual interest of the parties, they agree that this unpaid debt will be qualified as paid, ______ In the event of late payment, the aforementioned repayment plan automatically becomes null and void and the total amount of the due to the creditor therefore becomes immediately due. In addition, the buyer automatically pays the creditor default interest in the amount of ___ [rate equivalent to at least three times the annual legal rate in force in France] and a minimum compensation of 40 (forty) euros at immediate maturity, without the need for a warning. .