Note 22  Commitments and Contingencies Obligations under Multi-Year Reinsurance Contracts As of December 31, 2017, the Company has contractual obligations related to three multi-year reinsurance contracts. Two of these contracts have effective dates of June 1, 2016 and the other has an effective date of July 1, 2017. These contracts may be cancelled only with the other partys consent. The table below presents the future minimum aggregate premiums amount payable to the reinsurers. Year 2018* $ 21,792 2019* 2,392 2020* 1,196 Total $ 25,380 * Premiums payable after December 31, 2017 under one contract are estimated. See Note 14  Reinsurance for additional information. Lease Commitments The Company leases 15,000 square feet of office space in Noida, India. The lease has an initial term of nine years. The monthly rental payment, exclusive of applicable service tax, has increased by five percent every year since the end of the first year of the lease term. In addition, the Company had a lease for office space in Miami, Florida which expired February 28, 2018. Provided the leases are not early terminated, minimum future rental payments under operating leases after December 31, 2017 are as follows: Year Amount 2018 $ 147 2019 142 2020 150 2021 157 Total minimum future payments $ 596 Rental expense under all facility leases was $336, $333 and $304, respectively, during the years ended December 31, 2017, 2016 and 2015. Service Agreement In connection with the lease for office space in India as described in the  Lease Commitments above, the Company signed a long-term contract with the landlord to receive maintenance and facility services. The agreement has the same initial term of nine years. The monthly payment, exclusive of applicable service tax, has also increased by five percent every year since the end of the first year of the lease term. Provided the agreement is not early terminated, minimum future payments under the service agreement after December 31, 2017 are as follows: Year Amount 2018 $ 24 2019 26 2020