Plaintiff appeals as of right from the circuit court’s grant of summary disposition for defendant pursuant to MCR 2.116(C)(7) and (10). Defendant cross appeals from the court’s denial of its motion for sanctions. We affirm.
According to the complaint, the decedent, Earl Hosten, sustained a closed head injury on December 7, 1989, and remained in a semicomatose state until his death on January 15, 1990.
On January 12, 1990, a person named Dorothy Jackson presented to defendant First State Bank of East Detroit a document purporting to be a power of attorney signed by Hosten on January 8, 1990, and withdrew $30,500 from Hosten’s savings *461 account. On January 16, 1990, Jackson withdrew the balance remaining in the account, $145,617.59.
On May 21, 1990, Jackson presented for probate a will dated January 8, 1990, apparently signed by Hosten, which left all of Hosten’s property to Jackson. Jackson was appointed temporary personal representative of Hosten’s estate.
The beneficiaries under Hosten’s previous will initiated a will contest, which was settled in April, 1991. Pursuant to the settlement agreement, the January 8, 1990, will was declared null and void, and the previous will was admitted to probate. Plaintiff, Margaret Siecinski, was then appointed personal representative of Hosten’s estate.
At some time after her appointment as personal representative, plaintiff discovered Jackson’s withdrawals from Hosten’s savings account. Claiming that Hosten’s signature on the power of attorney was forged and the withdrawals were unauthorized, plaintiff first demanded that the bank restore the funds and then filed suit against the bank, alleging breach of contract, negligence, conversion, and violation of the Uniform Commercial Code, Bank Deposits and Collections, MCL 440.4101 et seq.; MSA 19.4101 et seq.
Defendant moved for summary disposition, asserting that the claim was barred under the time limit of former MCL 440.4406(4); MSA 19.4406(4). The court agreed, granted the motion, and dismissed the case. This appeal and cross appeal followed.
I
Plaintiff’s first issue on appeal is whether the court properly granted summary disposition of the ucc count.
*462 Former MCL 440.4406(4); MSA 19.4406(4), 1 in effect at the time in question, provided as follows:
Without regard to care or lack of care of either the customer or the bank a customer who does not within 1 year from the time the statement and items are made available to the customer (subsection [1]) discover and report his unauthorized signature or any alteration on the face or back of the item ... is precluded from asserting against the bank such unauthorized signature or . . . such alteration.
That provision has been held to bar a company’s action against a bank after the bank paid company checks that lacked one of two required signatures and the company did not notify the bank of the unauthorized signature within one year.
King-of-All Mfg, Inc v Genesee Merchants Bank & Trust Co,
Plaintiff urges that
King-of-All
is factually distinguishable from the present case, arguing that a literal construction of the statute in this case produces the absurd result of barring plaintiff’s cause of action before any person was in a position to discover the forgery and assert the decedent’s rights against the bank. In support of her argument, plaintiff cites
Benge v Michigan Nat'l Bank,
Benge does not control the instant case because *463 Benge was decided on the basis of a former statute that was repealed upon enactment of the ucc, and that appeared to require that the depositor actually receive bank statements and items such as cancelled checks. The repealed statute provided:
No bank shall be liable to a depositor for the payment by it of a forged or raised check unless within 3 months after the return to the depositor of the voucher of such payment such depositor shall notify the bank that the check so paid is forged or raised. [MCL 487.661; MSA 23.371.]
Under the ucc, however, it is no longer necessary for the bank to mail statements and items to the customer: it may also hold them pursuant to the customer’s request, or "otherwise in a reasonable manner make them available to the customer.”
Benson v Comerica Bank,
On the other hand, we do not believe that the fact that plaintiff was not in a position to assert the decedent’s rights until after the one-year period had expired is sufficient to render inapplicable the holding of King-of-All, supra.
The primary goal of statutory interpretation and construction is to effectuate the intent of the Legislature without harming the plain wording of the act.
Lorencz v Ford Motor Co,
There is no dispute that the meaning of § 4406(4) is clear. It is true that the result of construing the subsection literally is unfortunate in this case. However, we do not believe that it is sufficiently absurd and unjust, or contrary to the purposes of the statute, to justify an interpretation of the subsection that is at odds with its clear and explicit language.
Courts of other jurisdictions have held that the subsection is not a limitation statute subject to tolling under compelling circumstances but is a statutory prerequisite of notice that absolutely bars a customer’s right to make a claim against the bank after one year without regard to the care or lack of care of either the customer or the bank.
Jensen v Essexbank,
396 Mass 65, 66;
Accordingly, the court properly granted summary disposition with respect to plaintiffs claim under the ucc.
II
Next, plaintiff asserts that the court erred in
*465
dismissing her negligence and other counts because former § 4406(4) does not apply to negligence actions. We disagree. The language of the subsection does not restrict its application to any particular cause of action. It provides, generally, that a customer’s failure to report an unauthorized signature within one year after a statement of account is made available to the customer precludes the customer from asserting the unauthorized signature against the bank. See
Winkler v Commercial Nat’l Bank of L’Anse,
Furthermore, this is essentially an action for breach of contract brought under the ucc. Plaintiff has not alleged that the bank had any duty toward its customer that would give rise to an action in tort. See
Ulrich v Federal Land Bank of St Paul,
Thus, the court properly granted summary disposition with respect to plaintiffs remaining counts.
III
On cross appeal, defendant contends that the court erred in failing to grant its motion for costs and attorney fees pursuant to MCR 2.114(E) and *466 (F) and MCR 2.625(A)(2), and that it also is entitled to sanctions under MCR 7.216(C)(1)(a) for the defense of the instant appeal.
In failing to grant the motion, the trial court impliedly found that plaintiffs claims were not frivolous. A trial court’s finding with respect to whether a claim was frivolous will not be disturbed on appeal unless it is clearly erroneous.
State Farm Fire & Casualty Co v Johnson,
Affirmed.
Notes
Presently MCL 440.4406(6); MSA 19.4406(6), amended by