diff --git a/src/main/java/au/com/royalpay/payment/manage/management/clearing/core/impl/CleanServiceImpl.java b/src/main/java/au/com/royalpay/payment/manage/management/clearing/core/impl/CleanServiceImpl.java
index 52cce8e4d..fe3cc88e1 100644
--- a/src/main/java/au/com/royalpay/payment/manage/management/clearing/core/impl/CleanServiceImpl.java
+++ b/src/main/java/au/com/royalpay/payment/manage/management/clearing/core/impl/CleanServiceImpl.java
@@ -546,8 +546,10 @@ public class CleanServiceImpl implements CleanService, ManagerTodoNoticeProvider
             if (settle.getBigDecimal("clearing_amount").compareTo(BigDecimal.ZERO) == 0) {
                 continue;
             }
-            aba.addSettleMerchant(settle.getString("client_moniker"), settle.getString("bsb_no"), settle.getString("account_no"), settle.getString("account_name"),
-                    settle.getBigDecimal("clearing_amount"));
+            String clientMoniker = settle.getString("client_moniker");
+            String remark = "RoyalPay" + DateFormatUtils.format(dt, "MMdd") + clientMoniker;
+            aba.addSettleMerchant(settle.getString("bsb_no"), settle.getString("account_no"), settle.getString("account_name"),
+                    settle.getBigDecimal("clearing_amount"), remark);
         }
         return aba;
     }
diff --git a/src/main/java/au/com/royalpay/payment/manage/support/abafile/ABAFile.java b/src/main/java/au/com/royalpay/payment/manage/support/abafile/ABAFile.java
index 5e893936b..9e0f0d2e2 100644
--- a/src/main/java/au/com/royalpay/payment/manage/support/abafile/ABAFile.java
+++ b/src/main/java/au/com/royalpay/payment/manage/support/abafile/ABAFile.java
@@ -29,8 +29,8 @@ public class ABAFile {
         totalSettleAmount = BigDecimal.ZERO;
     }
 
-    public void addSettleMerchant(String clientMoniker, String bsbNo, String accountNo, String accountName, BigDecimal settleAmount) {
-        settlements.add(new SettleMerchantInfo(clientMoniker, bsbNo, accountNo, accountName, settleAmount));
+    public void addSettleMerchant(String bsbNo, String accountNo, String accountName, BigDecimal settleAmount, String remark) {
+        settlements.add(new SettleMerchantInfo(bsbNo, accountNo, accountName, settleAmount, remark));
         totalSettleAmount = totalSettleAmount.add(settleAmount);
     }
 
@@ -129,18 +129,18 @@ public class ABAFile {
     }
 
     private class SettleMerchantInfo {
-        private final String clientMoniker;
         private final String bsbNo;
         private final String accountNo;
         private final String accountName;
         private final BigDecimal settleAmount;
+        private final String remark;
 
-        public SettleMerchantInfo(String clientMoniker, String bsbNo, String accountNo, String accountName, BigDecimal settleAmount) {
-            this.clientMoniker = clientMoniker;
+        public SettleMerchantInfo(String bsbNo, String accountNo, String accountName, BigDecimal settleAmount, String remark) {
             this.bsbNo = bsbNo;
             this.accountNo = accountNo.replaceAll("\\D", "");
             this.accountName = accountName;
             this.settleAmount = settleAmount;
+            this.remark = remark;
         }
 
         public String settleLine() {
@@ -151,7 +151,7 @@ public class ABAFile {
             lineBuilder.replace(18, 20, "50");
             lineBuilder.replace(20, 30, getSettleAmount());
             lineBuilder.replace(30, 62, getAccountName());
-            lineBuilder.replace(62, 80, StringUtils.rightPad("RoyalPay" + DateFormatUtils.format(settleDate, "MMdd") + clientMoniker, 18));
+            lineBuilder.replace(62, 80, StringUtils.rightPad(getRemark(), 18));
             lineBuilder.replace(80, 87, bsbNo(base.getBsb()));
             lineBuilder.replace(87, 96, StringUtils.leftPad(base.getAccountNo(), 9));
             lineBuilder.replace(96, 112, StringUtils.left(StringUtils.rightPad(base.getAccountName(), 16), 16));
@@ -159,19 +159,23 @@ public class ABAFile {
             return lineBuilder.toString();
         }
 
-        private String getBsbNo() {
+        protected String getRemark() {
+            return remark;
+        }
+
+        protected String getBsbNo() {
             return bsbNo(bsbNo);
         }
 
-        private String getAccountNo() {
+        protected String getAccountNo() {
             return StringUtils.leftPad(StringUtils.right(accountNo, 9), 9);
         }
 
-        private String getAccountName() {
+        protected String getAccountName() {
             return StringUtils.rightPad(StringUtils.substring(accountName, 0, 32), 32);
         }
 
-        private String getSettleAmount() {
+        protected String getSettleAmount() {
             Assert.isTrue(settleAmount.compareTo(BigDecimal.ZERO) > 0, "Invalid Settle Amount:" + settleAmount.toPlainString());
             return amountString(settleAmount, 10);
         }
diff --git a/src/test/java/au/com/royalpay/payment/manage/process/ABAGenerator.java b/src/test/java/au/com/royalpay/payment/manage/process/ABAGenerator.java
new file mode 100644
index 000000000..6361dbfc8
--- /dev/null
+++ b/src/test/java/au/com/royalpay/payment/manage/process/ABAGenerator.java
@@ -0,0 +1,66 @@
+package au.com.royalpay.payment.manage.process;
+
+import au.com.royalpay.payment.manage.support.abafile.ABAConfig;
+import au.com.royalpay.payment.manage.support.abafile.ABAFile;
+import au.com.royalpay.payment.tools.env.PlatformEnvironment;
+import org.apache.commons.csv.CSVFormat;
+import org.apache.commons.csv.CSVParser;
+import org.apache.commons.csv.CSVRecord;
+import org.apache.commons.io.FileUtils;
+import org.junit.Before;
+import org.junit.Test;
+import org.slf4j.Logger;
+import org.slf4j.LoggerFactory;
+import org.springframework.test.util.ReflectionTestUtils;
+
+import java.io.File;
+import java.io.FileReader;
+import java.io.IOException;
+import java.math.BigDecimal;
+import java.util.Date;
+import java.util.List;
+
+/**
+ * Create by yixian at 2019-01-17 12:47
+ */
+public class ABAGenerator {
+    private ABAConfig.ABABase config;
+    private Logger logger = LoggerFactory.getLogger(getClass());
+    private String csvFile = "C:\\Users\\yixian\\Documents\\royalpay\\2019\\cemtexaba-template-csv.csv";
+
+    @Before
+    public void prepareEnv() {
+        PlatformEnvironment env = new PlatformEnvironment();
+        env.afterInitialize();
+        ReflectionTestUtils.setField(env, "foreignCurrency", "AUD");
+        config = new ABAConfig.ABABase()
+                .setBank("CBA")
+                .setApca("301500")
+                .setBsb("063109")
+                .setAccountNo("11505847")
+                .setAccountName("Tunnel Show Pty Ltd");
+    }
+
+    @Test
+    public void generate() {
+        ABAFile file = config.initFile(new Date());
+        try (FileReader reader = new FileReader(csvFile)) {
+            CSVParser parser = new CSVParser(reader, CSVFormat.newFormat(','));
+            List<CSVRecord> records = parser.getRecords();
+            for (CSVRecord record : records) {
+                logger.debug("reading record:{}", record.toString());
+                String bsb = record.get(0).replace("-", "");
+                String accountNo = record.get(1);
+                String accountName = record.get(2);
+                BigDecimal amount = new BigDecimal(record.get(3));
+                String remark = record.get(4);
+                file.addSettleMerchant(bsb, accountNo, accountName, amount, remark);
+            }
+            byte[] bytes = file.output(0);
+            FileUtils.writeByteArrayToFile(new File("C:\\Users\\yixian\\Documents\\royalpay\\2019\\cemtexaba-template.aba"), bytes);
+            logger.info("output done");
+        } catch (IOException e) {
+            throw new RuntimeException(e);
+        }
+    }
+}