Kerry has a bank account at Bank of America $($BoA$).$ When Kerry opened

the account, she signed several documents, including a standardized form

that included certain terms and conditions.

Among other provisions, the standardized form provides:

$1.$ that any and all disputes between Kerry and BoA must be submi"ed to arbitration,

$2.$ that the joinder of additional parties in arbitration is prohibited, and

$3.$ that Kerry and BoA will share the cost of arbitration equally.

Over the course of a year, BoA erroneously applies four $$50$ overdra$($ fees to

Kerry$$s account. Kerry $)$les a lawsuit against BoA, arguing that the erroneous overdra$($ fees violate federal law, and she seeks compensatory damages. Assume, for the purposes of this question, that Kerry is right: the fees

violate federal law and federal law supplies her with a private right of action.

BoA responds with a motion to compel arbitration. Kerry opposes the motion, and cites that the arbitrator costs $$200$ per hour and that the proceeding is expected to take $)$ve hours.

You$$re the district judge assigned to Kerry$$s case, and BoA$$s motion to compel arbitration is ripe for adjudication. Which way will you rule? Explain

why