(a) Five percent (5%) of the unpaid principal balance if prepaid during the first year;
(b) Four percent (4%) of the unpaid principal balance if prepaid during the second year;
(c) Three percent (3%) of the unpaid principal balance if prepaid during the third year;
(d) Two percent (2%) of the unpaid principal balance if prepaid during the fourth year;
(e) One percent (1%) of the unpaid principal balance if prepaid during the fifth year;
(f) No penalty if prepaid more than five (5) years from date of the note creating the debt.