A Lent Money to B with a Penalty Clause Providing

A lent money to B with a penalty clause providing for 6% per month. In case a suit is filed, what do you think the court will do with the penalty?

A) It will declare it void because it is contrary to law.
B) It will declare it void because it is contrary to public policy.
C) It will reduce the penalty. (Art. 1229, NCC) .
D) It will declare the penalty void as it is contrary to morals.