Several years ago, Bart purchased Goldacre, financing a large part of the purchase price by a loan from Mort that was secured by a mortgage. Bart made the installment payments on the mortgage regularly until last year. Then Bart persuaded Pam to buy Goldacre, subject to the mortgage to Mort. They expressly agreed that Pam would not assume and agree to pay Bart's debt to Mort. Bart's mortgage to Mort contained a due-on-sale clause stating, "If Mortgagor transfers his/her interest without the written consent of Mortgagee first obtained, then at Mortgagee's option the entire principal balance of the debt secured by this Mortgage shall become immediately due and payable." However, without seeking Mort's consent, Bart conveyed Goldacre to Pam, the deed stating in pertinent part " . . . , subject to a mortgage to Mort [giving details and recording data]." Pam took possession of Goldacre and made several mortgage payments, which Mort accepted. Now, however, neither Pam nor Bart has made the last three mortgage payments. Mort has brought an appropriate action against Pam for the amount of the delinquent payments. In this action, judgment should be for 
Pam, because she did not assume and agree to pay Bart's mortgage debt.  Pam, because she is not in privity of estate with Mort.  Mort, because Bart's deed to Pam violated the due-on-sale clause.  Mort, because Pam is in privity of estate with Mort. 