Below is the list of tables from the database along with their columns and datatype. Need to generate an accurate SQL query for the question.
Only use the columns present in the respective table. Only use the columns which are required to generate the SQL query. Only use table joins if required and not otherwise.

### Tables ###
TABLE: CREATE TABLE table_name_14 ( points INTEGER, driver VARCHAR, top_10 VARCHAR )

### Question ###
What are the highest points for Justin Lofton when his top 10 is lower than 5?

### Accurate SQL ###

SELECT MAX(points) FROM table_name_14 WHERE driver = "justin lofton" AND top_10 < 5