Where a commercial agreement specifies a precise time (here, 5pm) as the point at which financial obligations are to be calculated, that time will be given its literal meaning even if the parties were ignorant of industry practices (here, banking 'daily rests' and deferred net settlement) that might produce a different result. The phrase 'close of business' in a contract may be effectively defined by the agreement's own terms where the agreement consistently uses a specific time in its operative provisions. An obligation to print 'Bank Statements' at a specified time is an integral part of the mechanism for determining amounts payable, not an independent obligation.
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