; and (II) with more than 5 years of participation in the program shall maintain a loan loss reserve account with an amount equal to the average repurchase rate of the covered institution over the 36-month period preceding the most recent recalculation conducted under clause (iii), except that such amount shall not be less than 3 percent of the outstanding amount of the unguaranteed portion of the loan portfolio of the covered institution under the program. (ii) Additional loan loss reserve amount for selling loans on the secondary market In addition to the amount required in the loan loss reserve account under clause (i), a covered institution that sells a program loan on the secondary market shall be required to maintain the following additional amounts in the loan loss reserve account: (I) For a covered institution with less than 5 years of experience selling program loans on the secondary market, an amount equal to 3 percent of the guaranteed portion of each program loan sold on the secondary market. (II) For a covered institution with more than 5 years of experience selling program loans on the secondary market, an amount equal to the average repurchase rate for loans sold by the covered institution on the secondary market over the 36-month period preceding the most recent recalculation conducted under clause (iii), except that such amount shall be not less than 2 percent of the guaranteed portion of each program loan sold into the secondary market. (iii) Recalculation On October 1 of each year, the Administrator shall recalculate the loan loss reserve required under clauses (i) and (ii). (K) Training (i) In general Upon the initial entry of a covered institution into the program, and on an ongoing basis, the Administrator shall provide accessible trainings to support compliance by the covered institution with program requirements and to improve communication between the covered institution and the Administration. Such trainings shall include— (I) guidance with respect to the program for following the