Document:

Exhibit 10.6

                          LEASE AMENDMENT NUMBER THREE

This Lease Amendment Number Three ("Amendment") dated as of the 23rd day of May,
2005 is entered into by and between Miller & Paine, LLC, a Nebraska limited
liability company ("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 and February 8, 2001
(the "Lease"), and

        Whereas Landlord and Tenant desire to agree to certain terms that
provide for the reduction of Premises Area and corresponding reduction of
Monthly Rental, 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 modify the square footage of the additional storage space
               from 2,626 square feet to 333 square feet as shown on Landlord's
               Architect Letter as attached hereto as Exhibit A.

          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 reduced storage space shall be $3.00 per square
               foot.

          3.   Commencement Date. The parties hereto agree to amend Section 1.13
               of the Lease to add that the Commencement Date for the reduced
               space covered by this Amendment shall be July 1, 2005. The terms
               changed or added by this Amendment shall not commence or be
               effective unless Landlord has a lease signed and dated prior to
               July 1, 2005 from another tenant who will lease a substantial
               part of the storage space reduced in this Amendment and shown as
               Exhibit B.

          4.   Initial Monthly Rental. The parties hereto agree to amend Section
               1.15 to provide that the Initial Monthly Rental for the reduced
               storage space shall be the applicable Initial Rental per Square
               Foot ($3.00) times 333 square feet of the applicable Premises
               Area, divided by twelve (12) months. The Initial Monthly Rental
               for the additional storage space shall be $83.25, starting on the
               Commencement Date applicable to such space as provided in this
               Amendment.

<PAGE>

          5.   Final Plans. The parties hereto agree that Section 1.22 shall be
               amended to add that the Final Plans for the Premises storage area
               as reduced by this amendment shall be as shown on Exhibit B, as
               attached hereto.

          6.   Option to Extend Term. The parties hereto agree that Section 3.4.
               shall be amended to provide that the additional storage space
               shown as 2626 square feet shall be reduced to 333 square feet.

          7.   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 hereto.

        The parties agree that in the case of any conflict between the
        provisions of this Amendment Number Three 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 Three 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:  SVP & Cashier
                            --------------------------------------------

                      LANDLORD
                      Miller & Paine, LLC, a Nebraska limited liability company

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

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

                      Title: Operating Manager
                             -------------------------------------------
<PAGE>

STATE OF NEBRASKA       )
                        )    ss.
COUNTY OF LANCASTER     )

        The foregoing instrument was acknowledged before me this 1st day of
June, 2005, by Alan Fosler, Union Bank and Trust Company, a state banking
corporation, on behalf of said corporation.

                                            /s/ Sheri L. Morten
                                            ------------------------------------
                                            Notary Public

 SEAL

 My Commission expires Oct. 30, 2006

STATE OF NEBRASKA     )
                      )    ss.
COUNTY OF LANCASTER   )

       The foregoing instrument was acknowledged before me this 23rd day of May,
2005, by Robert E. Campbell, II, Operating Manager of Miller & Paine, LLC, a
Nebraska limited liability company, on behalf of said company.

                                            /s/ Cynthia Done
                                           ------------------------------------
                                            Notary PublicExhibit 10.7

                                 Miller & Paine
           121 South 13th Street   o  Suite 202   o  Lincoln, NE 68508
                   o  402-434-2137 o  Fax 402-434-2134

May 20, 2005

Alan Fosler
Union Bank & Trust 5401
South St.
Lincoln, NE. 68506

Dear Alan:

This letter shall serve as a lease agreement for Union Bank & Trust ("Tenant")
to lease storage space from Miller & Paine LLC, a Nebraska limited liability
company ("Landlord") in the basement of the Lincoln Square Building, 121 S. 13TH
Street, Lincoln, Nebraska, as shown on Exhibit A attached. Following are the
mutually agreed upon lease terms:

PREMISES:
        Secured storage space measuring 288 square feet in the basement of the
        Lincoln Square Building, as shown on the floor plan attached hereto as
        Exhibit A.

COMMENCEMENT DATE: March
        10,2005

TERM:
        This Lease shall be month to month from March 1,2005 with automatic
        renewal, provided however that either party may terminate this lease
        with thirty (30) days notice.

RENTAL AMOUNT:
        Tenant shall pay a fixed rent of $72.00 per month, payable on the first
        day of each calendar month. This represents a gross annual rate of $3.00
        per square foot for the 288 sq. ft. Rent for any partial month of
        occupancy shall be prorated for the number of days of actual occupancy.
        Beginning March 3,2007 annual gross rent shall increase by $.25 per sq.
        ft. for each 2 year period so long as the lease is renewed.

BUILDING OPERATING COSTS:
        The fixed monthly rent is a gross rental amount and AS such the Tenant
        shall have no obligation for any additional rent for utilities, taxes,
        special assessments, common area maintenance, building insurance and
        other like costs associated with management and ownership of the
        building.

INSURANCE:
        Tenant shall be responsible for maintaining comprehensive liability
        insurance against claims for bodily injury and property damage in or
        about the leased premises.

<PAGE>

INDEMNIFICATION:
        Tenant waives all claims against Landlord, it's agents and employees for
        loss, theft or damage to inventory, equipment, records and other
        property of the tenant on the premises.

BUILDING HOURS:
        The Lincoln Square building hours will be 6:00 am, to 6:00 pm. Monday
        through Friday, 7:00 am. to 5:00 pm. on Saturdays. Landlord reserves the
        right to adjust building hours if necessary. The tenant may make
        arrangements for access to storage space in other than normal building
        hours.

        For Miller & Paine LLC, Landlord

        /s/ Robert E. Campbell, II
        ------------------------------------------
        Robert E. Campbell, II
        OPERATING MANAGER

        Accepted and Agreed
        Union Bank & Trust, Tenant
        /s/ Alan Fosler
        OPERATING MANAGERExhibit 10.8

                                 OFFICE SUBLEASE

        This Office Sublease ("Sublease"), dated as of April 30, 2001, is
between Union Bank and Trust Company, a Nebraska banking corporation
("Sublessor"), and NELnet, Inc., a Nevada corporation ("Sublessee").

                                    RECITALS

        Sublessor, as tenant, and Miller & Paine, as landlord, executed an
Office Building Lease dated June 21, 1996, as amended (the "Master Lease"). By
the terms of the Master Lease, certain land in the City of Lincoln, State of
Nebraska was leased to Sublessor for a term as set forth therein with a series
of options to renew same. The Master Lease, by this reference, is hereby
incorporated as though set forth in full herein.

        Sublessor desires to sublease to Sublessee a portion of the Building (as
such term is defined in the Master Lease) and Sublessee desires to sublease
those premises from Sublessor.

        NOW, THEREFORE, Sublessor and Sublessee agree as follows:

        1. Leasing and Description of Property. Subject to the terms, conditions
and covenants set forth in the Sublease, Sublessor hereby subleases to
Sublessee, and Sublessee hereby subleases from Sublessor, approximately 2,655
square feet of office area, 320 square feet of storage space, and 1,469 square
feet of shared office space within the Building in an area reasonably agreed
upon by the parties (the "Subleased Premises"). The Subleased Premises shall be
furnished, equipped and decorated in a manner commensurate with adjacent office
space.

        2. Term. This Sublease shall commence on the 1st day of May, 2001, (the
"Commencement Date") and end on the date the Master Lease or any renewal thereof
terminates (hereinafter referred to as the "Sublease Term") or until the
Sublease Term shall sooner terminate as hereinafter provided. A "Sublease Year"
under this Lease shall be any 12 consecutive month period commencing May 1 and
ending on the anniversary thereof.

        3. Rent. Sublessee's annual rental amount shall be the sum of $8.50 per
square foot for office space, $8.50 per square foot for shared office space and
$3.00 per square foot for storage space; as rent adjusts under the Master Lease,
on July 1st of each year or otherwise, Sublessee's rent shall adjust
commensurately. Rent shall be paid by Sublessee to Sublessor on the 1st day of
each month during the term of this Sublease in the amount of $3,001.17; partial
months shall be prorated appropriately.

<PAGE>

        4. Use of Premises. Sublessee shall use and occupy the Subleased
Premises for business and administrative offices and related purposes, but for
no unrelated purpose.

        5. Applicability of Master Lease. This Sublease is subject and
subordinate to the terms and conditions of the Master Lease. Except as herein
provided to the contrary, Sublessee shall not commit any act which violates any
obligations required to be kept or performed by the Tenant under the provisions
of the Master Lease. Sublessor may enforce all terms of the Master Lease against
Sublessee to the extent applicable to Sublessee.

        6. Quiet Enjoyment. Sublessor covenants that Sublessee shall be entitled
to quiet enjoyment of the Subleased Premises provided that Sublessee complies
with the terms of this Sublease.

        7. Costs. All costs with respect to charges for janitorial services,
property taxes, repairs, utilities, including gas, electricity, water, steam,
garbage removal, sewer, general plumbing, heating, ventilating and air
conditioning and other mechanical systems supplied to the Building shall be paid
by Sublessor. Sublessee shall be responsible for all telephone service costs.

        8. Improvements to Premises. Sublessor shall build out the Subleased
Premises as reasonably agreed between Sublessor and Sublessee so as to provide
an area separated by cubicle dividers from adjacent office space. Sublessor
shall provide Sublessee with interior finishes of a quality comparable to the
interior finishes in the other areas of the adjacent office space. All
improvements, of whatever nature, placed by Sublessee on the Subleased Premises,
except movable trade fixtures, shall at once become the property of Sublessor
and shall so remain at the termination of this Sublease.

        9. Insurance. Neither Sublessee nor Sublessor shall be obligated to
maintain any insurance coverage, unless required under the Master Lease.

        10. Termination of Master Lease. If the Master Lease is terminated, this
Sublease shall terminate simultaneously and the Sublessor and Sublessee shall
thereafter be released from all obligations under this Sublease, and Sublessor
shall refund to Sublessee any unearned rent paid in advance. This Sublease
grants Sublessee no rights beyond termination of the original term of the Master
Lease.

        11. Assignment. Sublessee may assign or encumber its interest in the
Sublease or the Subleased Premises only with the written consent of Sublessor,
which consent will not be unreasonably withheld.

        EXECUTED as of the date specified in the first paragraph of this Office
Sublease.

SUBLESSEE:                           NELNET, INC., A NEVADA CORPORATION

                                     By:    /s/ Terry J. Heimes
                                        ---------------------------------
                                     Title:        CFO
                                           ------------------------------
<PAGE>

SUBLESSOR:                           UNION BANK AND TRUST COMPANY,
                                     A NEBRASKA BANKING CORPORATION

                                     By:    /s/ Alan Fosler
                                        ---------------------------------
                                     Title: SVP & Cashier
                                           ------------------------------

STATE OF NEBRASKA     )
                      ) SS.
COUNTY OF LANCASTER   )

        On this 2nd day of May , 2001, before me, the undersigned Notary Public,
duly commissioned and qualified in and for said County, personally appeared
Terry Heimes , personally known to me to be the identical person who signed the
above and foregoing OFFICE SUBLEASE, and acknowledged the execution of same to
be a voluntary act and deed and the voluntary act and deed of NELnet, Inc., a
Nevada corporation.

        WITNESS my hand and notarial seal the day and year last above written.

                                                   /s/ Eleanor Jean Dier
                                                   -----------------------------
                                                   Notary Public

STATE OF NEBRASKA     )
                      ) SS.
COUNTY OF LANCASTER   )

        On this 3 day of May , 2001, before me, the undersigned Notary Public,
duly commissioned and qualified in and for said County, personally appeared Alan
Fosler , the SVP & Cashier of Union Bank and Trust Company, a Nebraska
corporation, personally known to me to be the identical person who signed the
above and foregoing OFFICE SUBLEASE, and acknowledged the execution of same to
be a voluntary act and deed and the voluntary act and deed said corporation.

        WITNESS my hand and notarial seal the day and year last above written.

                                                   /s/ Rita Callies
                                                   -----------------------------
                                                   Notary Public

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