RANDOLPH, Presiding Justice, for the Court:

¶ 1. John McAdams, in his official capacity as Chancery Clerk of Harrison County (hereinafter referred to as the Chancery Clerk), was appointed guardian of Sybil Bowden and Jonathan Dunn. The Chancery Clerk filed suit against The Peoples Bank of Biloxi, Mississippi (hereinafter referred to as the Bank), alleging gross negligence, negligence, and conversion of a negotiable instrument. The Bank pleaded that the statute of limitations had run on these claims and filed a motion for summary judgment. The trial court denied the motion. The Bank petitioned this Court and was granted leave to file this interlocutory appeal. See M.R.A.P. 5.

FACTUAL BACKGROUND AND PROCEDURAL HISTORY

¶ 2. In October 2003 the Chancery Clerk opened guardianship accounts for Jonathan Dunn and Sybil Bowden at Peoples Bank. Woodrow W. "Woody" Pringle III served as the Chancery Clerk's attorney. The Chancery Clerk was the sole signatory on both accounts. In opening the accounts, the Chancery Clerk signed a deposit agreement, which stated, inter alia:

¶ 3. On January 24, 2005, Pringle closed the Bowden guardianship, without any authority to do so. The Bank issued Pringle a cashier's check payable to Bowden and Pringle, jointly, in the amount of $6,609.40. Pringle forged Bowden's signature, cashed the check, and retained the funds for himself. The Bank, through its custodian of records, offered evidence that it sent a statement to the Chancery Clerk's office on January 31, 2005, revealing this closure and disbursement at the address listed on the form opening the account: "Sybil Bowden Guardianship, by John McAdams Guardian, PO Drawer CC, Gulfport, MS 39502-0860."

¶ 4. The Dunn account required a court order before disbursements could be made. On June 11, 2008, Pringle presented what purported to be a court order1 authorizing the disbursement of $30,000 payable to Victoria Dunn (Dunn's mother) and Pringle's trust account. The Bank issued a cashier's check in accordance with the order. On the forged endorsement of Victoria Dunn, Pringle cashed the check and retained the funds for himself. On March 25, 2009, Pringle wrote a check for $8,000 on the Dunn Guardianship account payable to himself and Jonathan Dunn. The check purports to be signed by the Chancery Clerk and endorsed by Dunn, but both signatures are now alleged to be forgeries. The Bank paid the check, in the absence of a court order.

¶ 5. The Bank, through its custodian of records, offered evidence that it sent a statement to the Chancery Clerk's office on June 30, 2008, revealing the $30,000 disbursement at the address listed on the form opening the account: "Harrison Cty Chancery Clerk, Jonathan A Dunn Guardianship, John McAdams Guardian, PO Drawer CC, Gulfport, MS 39502-0860." In like manner, the Bank offered evidence that it sent a statement to the Chancery Clerk on March 31, 2009, revealing the $8,000 disbursement to the same address.

¶ 6. By affidavit filed in this matter, the Chancery Clerk claims he never received these Bank statements, because "Pringle obtained possession of any bank statements received in the Court Department and took them to his office." The Chancery Clerk does not know whether the Bank mailed the statements or not. In January 2011 the Chancery Clerk requested and obtained these statements from the Bank after discovering Pringle's embezzlement scheme in other cases in December of the previous year.

¶ 7. On May 8, 2013, the Chancery Clerk filed his Complaint on behalf of the guardianships against the Bank, asserting negligence, gross negligence, and conversion of a negotiable instrument. The Bank responded with a motion for summary judgment, claiming the Chancery Clerk's claims were time-barred by both the deposit agreement and Mississippi law.

¶ 8. The trial court heard oral arguments on the motion. The trial court entered an order denying Peoples Bank's motion for summary judgment. The Bank petitioned this Court for permission to submit an interlocutory appeal which was granted. This interlocutory appeal duly followed.

ISSUES

¶ 9. Peoples Bank raises the following four issues relating to the trial court's denial of its motion for summary judgment:

Finding that the three-year statute of limitations has run, rendering the other arguments moot, this Court will address only the three-year statutes of limitation.

ANALYSIS

Whitaker v. Limeco Corp., 32 So.3d 429, 433-34 (Miss.2010).

Leslie v. City of Biloxi, 758 So.2d 430, 431-32 (Miss.2000).

¶ 11. The Chancery Clerk filed claims of conversion of a negotiable instruments, which have a three-year statute of limitations under Mississippi Code Section 75-3-118, and negligence/gross negligence claims which have a three-year statute of limitations under Mississippi Code Section 15-1-49.

¶ 12. Section 75-3-118(g) reads, in pertinent part, "Unless governed by other law regarding claims for indemnity or contribution an action (I) for conversion of an instrument, for money had and received, or like action based on conversion ... must be commenced within three (3) years after the cause of action accrues." Notably absent from this section is any provision for a "discovery rule." Section 15-1-49, in providing a three-year statute of limitations for all actions for which no statute of limitations is elsewhere provided, does contain a "discovery rule." "In actions for which no other period of limitation is prescribed and which involve latent injury or disease, the cause of action does not accrue until the plaintiff has discovered, or by reasonable diligence should have discovered, the injury." Miss.Code Ann. § 15-1-49(2)(Rev.2012).

I. Has the three-year statute of limitations for conversion of a negotiable instrument run?

¶ 13. The Chancery Clerk filed his complaint May 8, 2013. In Count II, addressing his claims for conversion, he alleges the Bank "is liable for converting the negotiable instruments from Dunn's guardianship account."2 The $30,000 disbursement from the Dunn account occurred on June 11, 2008; the $8,000 disbursement occurred on March 25, 2009. More than four years elapsed from the time of these transactions to the time the Chancery Clerk filed his claim, outside the three-year statute of limitations.

¶ 14. The Chancery Clerk asserts all his claims are saved by the "discovery rule" provision of Section 15-1-49(2). Not only is this argument betrayed by a plain reading of the statutes as outlined above, it is contrary to this Court's precedent. In Smith v. Franklin Custodian Funds, Inc., 726 So.2d 144, 148 (Miss.1998), this Court stated, unequivocally,

¶ 15. In Smith, a son, acting as his parents' financial advisor, liquidated the securities of his parents without their knowledge and concealed his actions from them. Id. at 146. In 1987, Franklin Funds issued a check to the parent-company of a subsidiary for which the son worked. Id. The son obtained the check, forged his parents' signatures, and retained the funds for himself. Id. The parents discovered his acts in 1993 and subsequently brought suit. Id. The Court applied the new rule to find the discovery rule inapplicable. Id. at 147-48, 151.

¶ 16. Here, the Chancery Clerk concedes the Bank was not involved in Pringle's fraudulent concealment. Because the Bank was not involved in the fraudulent concealment, the discovery rule does not toll the statute of limitations for the conversion claims. As such, this Court finds that the trial court improperly denied the Bank's motion for summary judgment on this issue, finding Smith, supra, to be controlling.

II. Has the three-year statute of limitations for negligence/gross negligence run?

¶ 17. The Chancery Clerk filed his complaint May 8, 2013. The three transactions at issue occurred on January 24, 2005; June 11, 2008; and March 25, 2009. As with the conversion claims, the most recent transaction occurred more than four years before the filing of the complaint — well outside the three-year statute of limitations. However, negligence/gross negligence claims are subject to the "discovery rule" of Section 15-1-49(2), essentially that "the cause of action does not accrue until the plaintiff has discovered, or by reasonable diligence should have discovered, the injury."

¶ 18. "The question of whether a statute of limitations is tolled by the discovery rule often turns on the factual determination of `what the plaintiff knew and when.'" Stringer v. Trapp, 30 So.3d 339, 342 (Miss.2010) (quoting Huss v. Gayden, 991 So.2d 162, 168 (Miss.2008)). Thus, "`[o]ccasionally the question of whether the suit is barred by the statute of limitations is a question of fact for the jury; however, as with other putative fact questions, the question may be taken away from the jury if reasonable minds could not differ as to the conclusion.'" Stringer, 30 So.3d at 342 (quoting Smith v. Sanders, 485 So.2d 1051, 1053 (Miss.1986)).

¶ 19. The Bank offered evidence that it sent statements to the Chancery Clerk concerning these transactions on the last day of each month. The Chancery Clerk offered no proof to dispute the Bank's assertion, although he claims he never received a Bank statement4 because Pringle removed the Bank statements delivered to the Chancery Clerk.

¶ 20. In Union Planters Bank, N.A. v. Rogers, 912 So.2d 116, 117-18 (Miss.2005), a housekeeper forged numerous checks of her employers. The employers (Rogers and her husband) sued the Bank for conversion and negligence. Id. Rogers failed to inspect the bank statements because the housekeeper took them in order to conceal her scheme. Id. at 121-22. The Court found this concealment to be of no consequence:

Id. at 122.

¶ 21. Four years, one month, and eight days elapsed between the time the most recent statement became available March 31, 2009 and the time the Chancery Clerk filed suit May 8, 2013. He did not request statements from the Bank until January 20, 2011.5 According to Union Planters, he should have asked the Bank for a copy, but he failed to take any action to replace the missing statements. Had he asked the Bank for a copy of the missing statements, he could have discovered Pringle's fraudulent scheme and any alleged negligence on the part of the Bank.

¶ 22. The statute-of-limitations issue is not a question of fact because reasonable minds could not differ, in light of Union Planters, that the Chancery Clerk lacked diligence in failing to obtain and review any account statements for more than a year and a half on one account and more than eight years on the other. Stringer, 30 So.3d at 342. Based on the record before us, the trial court erred in refusing to grant Peoples Bank's motion for summary judgment because the Chancery Clerk's claims are barred by the applicable statutes of limitation.

CONCLUSION

¶ 23. The circuit court erred in refusing to grant Peoples Bank's motion for summary judgment because McAdams's claims have expired due to the running of the applicable three-year statutes of limitation. Therefore, the Harrison County Circuit Court's denial of the Peoples Bank's motion for summary judgment is reversed, and judgment is rendered for the Peoples Bank.

¶ 24. REVERSED AND RENDERED.

WALLER, C.J., DICKINSON, P.J., LAMAR, KITCHENS, CHANDLER, PIERCE, KING AND COLEMAN, JJ., CONCUR.