diff --git a/getting-started/faq.md b/getting-started/faq.md
index 07fe28a..bf65f84 100644
--- a/getting-started/faq.md
+++ b/getting-started/faq.md
@@ -213,7 +213,7 @@ The Total Available value displayed in the web app is the sum of the variable an
 
 ### What does Total Utilization refer to?
 
-Total Utilization is the total utilization of the variable and fixed pool. Up to 90% can be lent out given the current reserve factor of [10%](https://docs.exact.ly/guides/parameters#a.-reserve-factor). 
+Total Utilization is the total utilization of the variable and fixed pool. Up to 90% can be lent out given the current reserve factor of [5%](https://docs.exact.ly/guides/parameters#a.-reserve-factor). 
 
 ### Why is the web app not available for US Persons?