William Ratliff left a oneacre parcel of land to his children by the following language in his will: ...

William Ratliff left a oneacre parcel of land to his children by the following language in his will: To my son, Alex and my daughter, Anne, as joint tenants and not as tenants in common. The land is worth 300,000. Alex borrowed 100,000 from a bank and pledged his interest in the land as security. Shortly thereafter, Alex was killed in an auto accident. Anna says she now owns the property free and clear of the bank's interest. The bank claims there was no right of survivorship and they can carry their interest through Alex's estate. Who is correct?