The Bank may charge a “reasonable” fee for making the flood determination. The Bank (and subsequent purchasers or assignees of the loan) may also charge a life-of-loan monitoring fee. These fees may be charged if the borrowers request an increase, extension or renewal of the loan; FEMA revises or updates flood plain areas or flood risk zones, or otherwise gives notice that could affect the area in which the collateral is located; or results in the purchase of flood insurance by the Bank on behalf of the borrower.