A 5% coupon bond matures in ten years, but is callable after five. Which of the following are true? Choose two

a) Calling the bond requires the investor to pay more money

b) Calling the bond means the issuer needs to pay off the remaining principal

c) After five years, the issuer must call the bond

d) The investor may not sell the bond for the first five years

e) A 5% ten year non-callable bond from the same issuer with the same coupon has a lower yield