; or (B) the total amount of such reciprocal deposits does not exceed the lesser of— (i) $10,000,000,000; or (ii) an amount equal to 20 percent of the total liabilities of the insured depository institution. (2) Rule of construction Nothing in this subsection shall be construed to limit the authority of the Corporation to require, on a case-by-case basis, that an agent institution that is less than adequately capitalized (as defined in section 38(b)(1)(B)) not accept particular types of deposits upon finding that the acceptance of such deposits constitutes an unsafe or unsound practice with respect to such institution. (3) Definitions In this subsection: (A) Agent institution The term agent institution means an insured depository institution that places a covered deposit through a deposit placement network at other insured depository institutions in amounts that are less than or equal to the standard maximum deposit insurance amount, specifying the interest rate to be paid for such amounts, where the agent institution— (i) is well capitalized (as defined in section 38(b)(1)(A)) or has obtained a waiver pursuant to subsection (c) of this section; or (ii) does not receive an amount of reciprocal deposits that causes the total amount of reciprocal deposits held by the agent institution to be greater than the average of the total amount of reciprocal deposits held by the agent institution on the last day of each of the 4 calendar quarters preceding the calendar quarter in which the agent institution was determined to be not well capitalized. (B) Covered deposit The term covered deposit means a deposit that— (i) is submitted for placement through a deposit placement network by an agent institution