; (B) developing policies, procedures, and underwriting models; and (C) updating information management systems. (2) Limitation In each fiscal year, the sum of any amounts appropriated pursuant to paragraph (1) and any amounts appropriated pursuant to section 519 of the National Housing Act ( 12 U.S.C. 1735c ) with respect to the mortgage insurance programs described in section 232 of the National Housing Act ( 12 U.S.C. 1715w ) and section 242 of the National Housing Act ( 12 U.S.C. 1715z–7 ) shall not exceed the amount that is the total amount generated through the collection of premiums associated with such programs. (3) Rule of construction If the amount that is the total amount generated through the collection of premiums associated with the mortgage insurance programs described in section 232 of the National Housing Act ( 12 U.S.C. 1715w ) is less than the amount equal to the net present value of claims, nothing in this section may be construed to waive or eliminate the limitation described in paragraph (2). 3. Disaster preparedness and efficiency loans Section 241 of the National Housing Act ( 12 U.S.C. 1715z–6 ) is amended— (1) in subsection (d)— (A) by striking or other health facility and inserting or other health facility, including housing for employees or trainees of healthcare facilities insured under this title ; and (B) by inserting , including floods, hurricanes, earthquakes, and other natural disasters after fire or other hazards