Document:

Exhibit 10.4

                              AMENDMENT TO OFFICE BUILDING LEASE

        THIS AMENDMENT TO OFFICE BUILDING LEASE (the "Amendment") dated as of
the 11th day of June, 1997, is entered into by and between Miller & Paine, a
Nebraska corporation ("Landlord"), and Union Bank and Trust Company, a Nebraska
state banking corporation, ('Tenant").

        WHEREAS the parties hereto entered into that certain Office Building
Lease (the "Lease") dated as of June 21, 1996, in which Landlord leased to
Tenant a portion of the first floor of the "Building" (as defined in the Lease);

        WHEREAS the parties hereto wish to amend the Lease under the terms set
forth below.

        NOW, THEREFORE, in consideration of the foregoing and the mutual
promises and covenants contained herein, the parties hereto agree as follows:

        1. AMENDMENT OF LEASE. The Lease is hereby amended so as to insert the
following new Sections 16 and 17:

               16. RIGHT OF FIRST REFUSAL. Landlord hereby grants to Tenant a
        right of first refusal to lease, in addition to the Premises, Suite 101
        of the Building which shall be approximately 14,000 square feet of space
        and which is currently leased by Lincoln Children's Museum, a Nebraska
        corporation, on the first floor of the Building or any portion thereof
        (the "Children's Museum Area"). If at any time Landlord shall desire to
        lease the Children's Museum Area or any portion thereof to a party other
        than the Lincoln Children's Museum, Landlord shall give to Tenant
        written notice (the "First Refusal Notice") which shall describe in
        sufficient detail the terms and conditions offered by, and the identity
        of, a bona fide prospective lessee to whom Landlord is considering

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        leasing the Children's Museum Area or any portion thereof. The First
        Refusal Notice shall offer the Children's Museum Area or a portion
        thereof to Tenant for lease upon terms and conditions substantially the
        same as those described in the First Refusal Notice. Tenant shall notify
        Landlord in writing within fifteen (15) calendar days after receipt of
        the First Refusal Notice if Tenant elects to lease the Children's Museum
        Area or a portion thereof which is the subject of the First Refusal
        Notice. If such election to lease shall not have been timely made as to
        the Children's Museum Area or a portion thereof offered for lease, the
        Children's Museum Area or a portion thereof may after expiration of
        fifteen (15) calendar days after receipt of the First Refusal Notice, be
        leased to the lessee named in, and upon the same terms and conditions
        described in the First Refusal Notice. If Tenant notifies Landlord on a
        timely basis of its intent to exercise the Right of First Refusal,
        Tenant shall lease from Landlord the Children's Museum Area or a portion
        thereof under the same terms as offered in the First Refusal Notice;
        provided, however, that Landlord shall, without additional charge, bring
        utilities to the Children's Museum Area, upgrade HVAC and provide
        adequate servicing, trunk lines and duct systems for heat and air
        conditioning in addition to any terms set forth under the First Refusal
        Notice. In the event Tenant exercises its Right of First Refusal
        hereunder, the Children's Museum Area shall be made available for
        possession by Tenant within thirty (30) days after Tenant gives to
        Landlord written notice of the Tenant's intent to exercise its Right of
        First Refusal hereunder; rent on the Children's Museum Area or a portion
        thereof shall not begin to accrue until Tenant begins business
        operations after remodeling is completed and any regulatory approval has
        been obtained. Such Right of First Refusal shall terminate unless
        exercised by Tenant on or before the date of termination of the Lease or
        any extension thereof.

               17. OPTION TO LEASE CHILDREN'S MUSEUM AREA. In the event that
        Lincoln Children's Museum ceases leasing all or any portion of the
        Children's Museum Area, Landlord hereby grants to Tenant an option to
        lease the Children's Museum Area, or the portion thereof not otherwise
        leased to another tenant following application of the provisions of
        Section 16 herein, under the same terms as the Lease, with the following
        exceptions: (i) the initial rental of any portion of the Children's
        Museum Area shall be $8.00 per square foot annually through June 30,
        1999, with an additional $.25 per square foot added thereto each year
        thereafter; (ii) Landlord shall, without additional charge, bring
        utilities to the Children's Museum Area, upgrade HVAC and provide
        adequate servicing, trunk lines and duct systems for heating and air
        conditioning for the Children's Museum Area; and (iii) the leasehold
        term with respect to the Children's Museum Area shall be a minimum of
        five (5) years, irrespective of when the option is exercised. The option
        granted herein may, at Tenant's option, be exercised before or after
        Tenant receives any First Refusal Notice as set forth in Section 16
        above, or as an alternative to Tenant's Right of First Refusal under
        Section 16 hereinabove. The Children's Museum Area shall be made
        available for possession by Tenant within thirty (30) days after Tenant
        gives to Landlord a Notice of Tenant's intent to exercise its option
        hereunder. Rent on the Children's Museum Area shall not begin to accrue
        until Tenant begins business operations after remodeling is completed
        and any regulatory approval has been obtained. Tenant's option to lease
        hereunder shall be deemed to have been exercised upon Tenant's giving
        written notice of its intent to lease the Children's Museum Area or any
        portion thereof. Tenant's option to lease shall terminate unless
        exercised on or before the date of termination of the Lease or any
        extension thereof.

        2. All provisions of the Lease are hereby ratified and reconfirmed; such
provisions are modified to the extent the terms of the Lease contradict the
terms as expressed in this Amendment.

<PAGE>

        3. SUCCESSORS AND ASSIGNS. The Lease and this Amendment shall be binding
upon and shall inure to the benefit of the parties hereto and their respective
permitted successors and assigns.

        IN WITNESS WHEREOF, the parties hereto hereby execute this Amendment as
of the day and year first above written.

MILLER & PAINE, a Nebraska              UNION BANK AND TRUST
corporation, Landlord                   COMPANY, Tenant

By:   /s/ Robert E. Campbell II         By:  /s/ Michael S. Dunlap
      ----------------------------           -----------------------------------
      Robert E. Campbell II                  Michael S. Dunlap
      President                              Executive Vice President

STATE OF NEBRASKA    )
                     ) ss.
COUNTY OF LANCASTER  )

        The foregoing instrument was acknowledged before me this 16 day of June,
1997, by Robert E. Campbell II, President of Miller & Pane, a Nebraska
corporation, on behalf of the corporation.

SEAL                                        /s/ Cynthia Done
                                            -----------------------------------
                                            Notary Public

STATE OF NEBRASKA    )
                     ) ss.
COUNTY OF LANCASTER  )

        The foregoing instrument was acknowledged before me this 13 day of June
, 1997, by Michael S. Dunlap, Executive Vice President of Union Bank and Trust
Company, on behalf of the corporation.

SEAL                                         /s/ Daniel F. Kaplan
                                             -----------------------------------
                                             Notary PublicExhibit 10.5

                           LEASE AMENDMENT NUMBER TWO

This Lease Amendment Number Two ("Amendment") dated as of the 8th day of
February, 2001 is entered into by and between Miller & Paine, a Nebraska
corporation ("Landlord"), and Union Bank and Trust Company, a state banking
corporation ("Tenant").

                                   WITNESSETH:

        Whereas Landlord and Tenant entered into that certain Office Building
Lease dated as of June 21, 1996, and amended June 11, 1997 (the "Lease"), and

        Whereas Tenant has exercised its Option to Lease Children's Museum Area
as an addition to its Premises Area as provided in Section 1.17. of the Lease,
and

        Whereas Landlord and Tenant desire to agree to an extension of the
Termination Date of the Lease in order to have a common Termination Date for the
original space and the additional space, and

        Whereas Landlord and Tenant desire to add additional years to the Lease
Term in consideration of Landlord providing a Tenant improvement allowance, and

        Whereas Landlord and Tenant desire to modify the Lease to allow Tenant
to sub-lease part of the additional space, and

        Whereas Landlord and Tenant desire to agree to certain terms that allow
the additional space to be charged Monthly Rental at a rate different from that
of the original space, and

        Whereas Landlord and Tenant desire to agree to certain terms that
provide for Landlord to construct both Landlord improvements and Tenant
improvements in the additional space and to define responsibilities for
planning, review, construction and payment, and

        Whereas Landlord and Tenant desire to establish separate Monthly Rental
terms for storage space and office space within the additional space, and

        Whereas Landlord and Tenant desire to modify certain other provisions of
the Lease consistent with the modified space and rental terms,

        Now Therefore, in consideration of the foregoing and other good and
valuable consideration and the premises contained herein, the parties hereto
agree as follows:

     1.   Premises Area. The parties agree that Section 1.7. of the Lease shall
          add to the existing 4075 square feet of space, the additional office
          space of 10,363

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          square feet and additional storage space of 2,626 square feet. The
          total of office space shall be 14,438 square feet.

     2.   Initial Rental Per Square Foot The parties agree that Section 1.8.
          shall be amended to add that the initial annual gross lease rate for
          the additional storage space shall be $3.00 per square foot. Further,
          Section 1.8. shall be amended to add that the initial annual gross
          lease rate for the additional office space shall be $8.50 per square
          foot.

     3.   Suite Number. The parties hereto agree that Section 1.10 shall be
          amended to add that the additional space provided by this Lease
          Amendment shall have the additional Suite Number of 103.

     4.   Lease Term. The parties hereto agree that Section 1.10 of the Lease
          shall be amended to provide that the Lease Term shall be twelve (12)
          years dating from the original Lease Commencement Date of July 1,
          1996.

     5.   Option Terms. The parties hereto agree that Section 1.11 of the Lease
          shall be amended to provide that the second of the two Option Terms
          shall be five (5) years instead of four (4) years as previously
          provided. Landlord was successful in purchasing property underlying
          part of the Premises and such purchase removed the limitations of a
          land lease that had previously limited the term of the second of the
          two Option Terms. The two Option Terms as herein reaffirmed are
          applicable following the extended Lease Term and new Termination Date
          of June 30, 2008, as provided by this Amendment.

     6.   Commencement Date. The parties hereto agree to amend Section 1.13 of
          the Lease to add that the Commencement Date for the additional space
          covered by this Amendment shall be the date that Landlord delivers the
          additional space for occupancy and Tenant accepts such additional
          space under the terms of Section 3.3. Acceptance of Premises. herein.

     7.   Termination Date. The parties hereto agree to amend Section 1.14 of
          the Lease to provide that the Termination Date for ail parts of the
          Premises Area and of the Lease shall be June 30, 2008, or as extended
          pursuant to Section 3.4. of the Lease.

     8.   Initial Monthly Rental. The parties hereto agree to amend Section 1.15
          to provide that the Initial Monthly Rental for the additional office
          space shall be the Initial Rental Per Square Foot of $8.50 times the
          10,363 square feet of additional office space of the Premises Area,
          divided by twelve (12) months ($8.50 x 10363 = $88,085.50 divided by
          12) for an amount of $7,340.46. Further, the Initial Monthly Rental
          for the additional storage space shall be the applicable Initial
          Rental Per Square Foot ($3.00) times 2626 square feet of the
          applicable Premises Area, divided by twelve (12) months. The Initial
          Monthly Rental for the additional storage space shall be $656.50,
          starting on the Commencement Date applicable to such space as provided
          in this Amendment.

                                       2
<PAGE>

     9.   Tenants Percentage. The parties agree That Section 1.17 of the Lease
          shall be deleted because determining a percentage that the Premises
          Area is to the total Building Area is not necessary for allocation of
          Building expenses which was the original purpose for calculating the
          percentage.

     10.  Final Plans. The parties hereto agree that Section 1.22 shall be
          amended to add that the Final Plans for the Premises added by this
          amendment shall be as shown on Exhibit A, as attached hereto.

     11.  Possession. The parties hereto agree that Section 3.2 shall be amended
          to provide that Landlord shall deliver possession of the additional
          Premises to the Tenant upon completion of the work to remodel the
          space and upon Tenant accepting the addition to the Premises as
          provided in Section 3.3 herein, and that the date of such acceptance
          by Tenant shall be the Commencement Date for the additional Premises
          Area as provided by this Amendment.

     12.  Acceptance of Premises. The parties hereto agree that Section 3.3
          shall be amended to provide the following addition to the previous
          language, and that such addition shall be applicable to the additional
          Premises Area of this Amendment:
               Landlord shall construct both Landlord and Tenant improvements to
               the additional Premises in accordance with the Final Plans
               described in Section L22 herein, and according to terms of the
               Work Letter and Schedule 1 detailed as Exhibit 13 and attached
               hereto. Landlord will provide Landlord improvements, as detailed
               in Schedule 1 to Work Letter and attached hereto, at Landlord's
               sole cost, including replacing exterior windows on the 0 Street
               side of the additional Premises with thermal pane glass. Tenant
               Improvements, as detailed in Schedule 1 to Work Letter and
               attached hereto, shall be provided by Landlord, but the cost of
               such Tenant Improvements, except for Tenant Improvement Allowance
               as provided herein, shall be paid by Tenant upon written invoice
               and documentation provided by Landlord. Tenant shall timely
               review and approve plans and changes to plans for Tenant
               improvements as provided in the Work Letter so that any delay in
               Acceptance of Premises and Possession by Tenant shall not be due
               to delays caused by Tenant.

     13.  Option to Extend Term. The parties hereto agree that Section 3.4.
          shall be amended to provide that the second option period shall be
          five (5) years as amended in Section 1.11. herein. Further, Section
          3.4. shall be amended to provide that the Option Terms shall include
          Tenant's right to extend the Lease Term of the additional office space
          of 10,363 square feet and the additional storage space of 2,626 square
          feet. The Monthly Rental for the additional

                                       3
<PAGE>

          office space during the first and second Option Terms shall be the
          Monthly Rental for the final year of the Lease Term, as determined by
          the Initial Monthly Rental plus Monthly Rental Adjustment, and
          adjusted for the first year of the first Option Term and each
          succeeding year of the Option Terms, if exercised, as provided in
          Section 4.2 for the original Premises Area of the Lease. The Monthly
          Rental for the additional storage space shall be based upon the annual
          gross lease rate of $3.50 per square foot for the first year and each
          succeeding year of the first Option Term, if exercised, and the annual
          gross lease rate of $4.00 per square foot for the first year and each
          succeeding year of the second Option Term, if exercised.

     14.  Monthly Rental Adjustment. The parties hereto agree that Section 4.2.
          shall be amended to add five years to the Monthly Rental amounts
          applicable to the original Premises Area as follows:

                   LEASE             ANNUAL GROSS           MONTHLY
                   YEAR              LEASE RATE             RENTAL
                   8 to 6/30/04        13.83                $4,696.44
                   9                   14.16                $4,808.50
                  10                   14.49                $4,920.56
                  11                   14.82                $5,032.63
                  12 to 6/30/08        15.15                $5,144.69

          The parties hereto further agree that Section 4.2 shall be amended to
          provide that the Initial Monthly Rental for the additional office
          space added to the Premises Area by this Amendment shall be adjusted
          beginning in Lease Year Seven (7) and each succeeding Lease Year of
          the Lease Term by adding thirty-three cents ($.33) to the Annual Gross
          Lease Rate of the previous year. Adjustments to Monthly Rental for the
          additional office space during the Option Terms shall be as provided
          for the original Premises Area in Section 4.2 of the Lease.

          The parties hereto further agree that Section 4.2 shall be amended to
          provide that there shall be no adjustment to the Monthly Rental for
          the additional storage space except as provided in the amendment to
          Section 3.4. herein.

          Monthly Rental amounts for the office space of 10,363 square feet
          added by this Amendment shall be as follows:

                LEASE                       ANNUAL GROSS           MONTHLY
                YEAR                        LEASE RATE             RENTAL
                Partial year to(00)6/30/01    8.50                 $7,340.46
                6     01                      8.50                 $7,340,46
                7     02                      8.83                 $7,625.44
                8     03                      9.16                 $7,910.42
                9     04                      9.49                 $8,195.41
                10    05                      9.82                 $8,480,39
                11    06                     10.15                 $8,765.37
                12 to 6/30/08                10.48                 $9,050.35
                07

                                       4
<PAGE>

     15.  Consent Required. The parties hereto agree that Section 12.1 of the
          Lease shall be amended to provide that it is understood as a condition
          of Tenant leasing the additional space that Tenant will sublease a
          portion of the additional space to Nel Net, and Landlord does not
          require any further notification of such subletting and Landlord
          waives its review rights as provided in Section 12.1 of the Lease, and
          hereby consents to such subletting. Additional subletting by Tenant of
          part or all the additional space is agreeable to Landlord, but shall
          be subject to the review and consent terms and conditions of Section
          12.1 of the Lease.

     16.  Tenant Improvement Allowance. The parties hereto agree to add Section
          15.26 to the Lease that provides that Landlord will pay $30,000 toward
          Tenant Improvements for the additional space added to the Premises by
          this Amendment ("Tenant Improvement Allowance") in consideration for
          Tenant extending the Lease Term by two years beyond the five year term
          specified in the Option to Lease Children's Museum Area as provided in
          the first Lease Amendment of June 11, 1997, and as exercised by
          Tenant.

     17.  No Other Changes. All of the terms and conditions of the Lease,
          including the amendments contained herein, shall remain in full force
          and effect except as may be subsequently amended by written agreement
          of both the parties here to.

          The parties agree that in the case of any conflict between the
          provisions of this Amendment Number Two and the information contained
          in Exhibits A, B and Schedule 1 hereto, this Agreement shall control.

          IN WITNESS WHEREOF, the parties hereto hereby execute this Lease
    Amendment Number Two as of the day and year first above written.

                      TENANT:
                      Union Bank and Trust Company, a state banking corporation

                      By:            /s/ Alan Fosler
                         ------------------------------------------------------

                      Printed Name:  Alan Fosler
                                    -------------------------------------------

                      Title:         Senior Vice President and Cashier
                            ---------------------------------------------------

                                       5
<PAGE>

                      LANDLORD
                      Miller & Paine, a Nebraska corporation

                      By:           /s/ Robert E. Campbell, II
                         -------------------------------------------------------

                      Printed Name: Robert E. Campbell, II
                                    --------------------------------------------

                      Title:        President
                             ---------------------------------------------------

STATE OF NEBRASKA       )
                        )   ss.
COUNTY OF LANCASTER     )

        The foregoing instrument was acknowledged before me this 12th day of
February, 2001, by Alan Fosler, Union Bank and Trust Company, a state banking
corporation, on behalf of said corporation.

                                            /s/    Vicki M. Hansen
                                            ------------------------------------
                                                   Notary Public

STATE OF NEBRASKA       )
                        )   ss.
COUNTY OF LANCASTER     )

               The foregoing instrument was acknowledged before me the 8th day
of February, 2001, by Robert E. Campbell, II, President of Miller & Paine, a
Nebraska corporation, on behalf of said corporation.

                                            /s/    Cynthia Done
                                            ------------------------------------
                                                   Notary Public

                                       6
<PAGE>

               (d)  Landlord reasonably believes will reduce the market value of
                    the Premises or the Building at the end of the Term;

               (e)  Does not conform to applicable building code or is not
                    approved by any governmental authority with jurisdiction
                    over the Premises; or

               (f)  Does not conform to materials, appearance and workmanship
                    generally used in the Building.

        9. Schedule of Tenant Improvement Activities. Approval of the Tenant
Space Plan, referred to as Final Plans in the Lease and attached as Exhibit A
dated 2-12-01 , and/or any revisions thereto specifically requested by the
Tenant, shall be indicated by signature upon the Tenant Space Plan by both the
Tenant's Representative and the Landlord's Representative. Upon such evidence of
approval by both parties, the Tenant Space Plan shall serve as the basis for
preparation or construction documents for the proposed improvements and the area
set forth on the Tenant Space Plan shall constitute the minimum area to be
incorporated in the Lease.

               Landlord shall provide Tenant copies of plans, working drawings
and change orders for Landlord and Tenant Improvements. Within five days of
receipt, Tenant shall provide Landlord written approval, or shall notify Tenant
of concerns relating to plans, drawings or Change Orders referenced in this Work
Letter.

        10. Change Orders. Either Landlord or Tenant may initiate in writing
changes to the project during construction ("Change Order"). Tenant shall submit
such Change orders for Tenant Improvements to Landlord for approval and to be
incorporated in the schedule of work and to be submitted to Landlord's
contractor if applicable. Landlord shall submit Change Orders for Tenant
Improvements to Tenant for approval and to be incorporated in the schedule of
work and to be submitted to Landlord's contractor if applicable.

        11. Completion and Commencement Date. Tenant's obligation for the
payment of Rent pursuant to the Lease will commence on the Commencement Date, as
provided in the Lease.

        12. Responsibility for Other Improvements. Tenant will be responsible
for the design, function and maintenance of all additional improvements required
by Tenant, but which are not listed in "Landlord and Tenant Improvements" of
Schedule 1, whether or not approved by Landlord or installed by Landlord at
Tenant's request.

                                       7

<PAGE>

               AGREED AND ACCEPTED this 12 day of February, 2001.

                                    MILLER & PAINE

                                    By:     /s/ Robert E. Campbell, II
                                       -----------------------------------------
                                    Title: President

                                    Union Bank & Trust Company
                                    Tenant

                                    By:     /s/ Alan Fosler
                                       -----------------------------------------
                                    Title:  Senior Vice President and Cashier

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