JERRY E. SMITH, Circuit Judge:
In August 2002, Shirley Douglas opened a checking account with Union Planters Bank and signed a signature card binding her to arbitration. The arbitration provision included a clause (the "delegation provision") delegating the question of a dispute's arbitrability to an arbitrator. Douglas's account was closed less than a year later. Union Planters Bank ("Union Planters") merged with Regions Bank ("Regions") in June 2005.
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