7. Commitments and Contingencies Operating Lease Commitments In September 2014, the Company entered into an amendment to its operating lease for office space in Greenville, South Carolina. The amendment expands the space leased, extends the term of the lease for five years to February 2020, and grants the Company the right to extend the lease for five additional one-year periods. Monthly lease payments under the amended lease will begin February 2015. Expenses under this lease will total approximately $95 per quarter. In May 2014, the Company entered into a sublease for additional office space in North Charleston, South Carolina. The lease commenced June 1, 2014 and continues until January 31, 2018. The terms of lease contain a rent concession of four months. Expenses related to this lease total approximately $52 per quarter. In February 2013, the Company entered into an amendment to a 2009 operating lease for additional office space. The lease commenced January 1, 2014 and expenses for the additional space total $236 per quarter. Financing and Capital Lease Obligations In April 2014, the Company recorded a capital lease for data processing equipment and software. The total payments under the lease are $3,779, including a down payment of $1,340 and aggregate monthly payments of $2,439. The lease provides for a bargain purchase option at the end of its three-year term. Related to the April 2014 capital lease, the Company recorded a financing obligation for support services for data processing equipment. Total payments under this three-year arrangement are $629, including a down payment of $223 and aggregate monthly payments of $406. In December 2013, the Company entered into a 15 year build-to-suit lease for additional office space to expand its headquarters campus. The leased premises are being constructed and the Company is involved extensively in the construction of the premises. The Company is deemed the  owner  for accounting purposes during the construction period and is required to capitalize the project co