Wendy purchаsed а hоme by putting dоwn 20% in cаsh and financing the remaining 80% with a lоan from First Federal Bank. First Federal Bank secured the loan with a mortgage, which it recorded. The mortgage contained the following due-on-sale provision: “If the mortgagor transfers his or her interest without the express written consent of the mortgagee, the mortgagee may, at its option, demand immediate payment of the entire balance of principal for the debt secured by this mortgage.”Wendy made timely payments of her mortgage installments for three years. Then she met Matt who wanted to buy the property as an investment. In exchange for a lower purchase price, Matt agreed to take over Wendy’s mortgage payments to First Federal Bank. At closing, Matt accepted a deed stating that he was assuming Wendy’s mortgage debt for the full amount owed to First Federal Bank. Matt made timely payments, which First Federal Bank accepted for several years. However, First Federal Bank has received no payments for the last four months.If First Federal Bank decides to enforce the due-on-sale clause at this time, from whom may First Federal Bank collect the principal balance?