>Yes, there is a five year waiting period to withdraw contributions from a Roth IRA
No, there is not. Per IRS Publication 590-B, "You don't include in your gross income qualified distributions or distributions that are a return of your regular contributions from your Roth IRA(s)."
No, there is not. Per IRS Publication 590-B, "You don't include in your gross income qualified distributions or distributions that are a return of your regular contributions from your Roth IRA(s)."