; (II) 5 percent for a covered loan of more than $50,000 and not more than $350,000; (III) 3 percent for a covered loan of more than $350,000 and less than $2,000,000; and (IV) 1 percent for a covered loan of not less than $2,000,000. (ii) Fee limits An agent that assists an eligible recipient to prepare an application for a covered loan may not collect a fee in excess of the limits established by the Administrator. If an eligible recipient has knowingly retained an agent, such fees shall be paid by the eligible recipient and may not be paid out of the proceeds of a covered loan. A lender shall only be responsible for paying fees to an agent for services for which the lender directly contracts with the agent. (iii) Timing A reimbursement described in clause (i) shall be made not later than 5 days after the disbursement of the covered loan. (Q) Duplication Nothing in this paragraph shall prohibit a recipient of an economic injury disaster loan made under subsection (b)(2) during the period beginning on August 8, 2023, and ending on the date on which covered loans are made available that is for a purpose other than paying payroll costs or any other purpose described in subparagraph (F) from receiving assistance under this paragraph. (R) Waiver of prepayment penalty Notwithstanding any other provision of law, there shall be no prepayment penalty for any payment made on a covered loan. . (b) Set-Asides for insured depository institutions, credit unions, and community financial institutions (1) Insured depository institutions and credit unions In making loan guarantees under paragraph (38) of section 7(a) of the Small Business Act ( 15 U.S.C. 636(a) ), the Administrator of the Small Business Administration shall guarantee not less than $30,000,000,000 in loans made by— (A) insured depository institutions with consolidated assets of not less than $10,000,000,000 and less than $50,000,000,000