; (3) in subparagraph (C)— (A) by redesignating clause (iii) as subparagraph (E); and (B) by striking subparagraph (C) and inserting the following: (C) Except as provided in subparagraph (D), when two or more veterans use guaranty entitlement on a single loan, the loan is automatically guaranteed by the United States in an amount not to exceed the lesser of— (i) the maximum guaranty as specified in the table in subparagraph (B); or (ii) the sum of the maximum amount of guaranty entitlement available to each veteran, as calculated pursuant to the table in subparagraph (B). ; (4) by inserting after subparagraph (C) the following new subparagraph (D): (D) (i) Except as provided in clause (ii), if two or more veterans use guaranty entitlement on a single loan described in subparagraph (B)(iv), the loan is automatically guaranteed by the United States in an amount not to exceed the lesser of the following: (I) In the case of a loan for which— (aa) at least one veteran is a covered veteran, 25 percent of the Freddie Mac conforming loan limit; or (bb) no veteran is a covered veteran, 25 percent of the loan. (II) The sum of the maximum amount of guaranty entitlement available to each veteran, as calculated pursuant to the table in subparagraph (B). (ii) Clause (i) shall not apply to a loan made to two veterans who are married to each other if there are no other obligors on the loan. ; and (5) in subparagraph (E), as redesignated by paragraph (3)(A)— (A) by striking subparagraph and inserting paragraph