We will try to limit downtime to the operating hours least affected by customer use when such options are available. BEACON Online Banking transaction requests on business days after 17:00.m. all transactions requested on Saturday, Sunday or public holidays where Beacon Investment Banking remains closed will be processed the next business day. You agree to initiate or schedule all transfers or payment services only if there is or will be available on the account sufficient credit for such transfer or payment. The conclusion of a transfer or payment order is subject to the availability of sufficient resources in the account at the time of accounting for the transaction. . . .