Debtor applied to Bank for a loan. When Bank asked for collateral, Debtor entrusted a valuable jewel to Bank under a pledge agreement that allowed Bank to retain possession of the jewel until Debtor repaid the loan with interest. Bank advanced the funds. Later, Debtor borrowed money from Lender and granted Lender a security interest in various items of its property in a security agreement, including the jewel. Lender perfected its security interest by filing a financing statement. Which creditor is prior under 9-322(a)(1)