Hi,
Our rates are not 5%...you can ask around (affiliates who actively promote) and you'll see that we give our affiliates some of the best and most flexible deals out there.
The 5% clause is enforced in case the affiliate stops delivering FDs for more than 3 months, and stops communicating with us.
This clause is of course flexible and reversible, so I don't see a reason to worry about it too much if you intend to actively promote us.
Thanks,