Exhibit 99.3

                                     [LOGO]

                              Blue Valley Ban Corp.


             FORM OF INSTRUCTIONS AS TO USE OF BLUE VALLEY BAN CORP.
                        SUBSCRIPTION RIGHTS CERTIFICATES

                         PLEASE CONSULT COMPUTERSHARE OR
             YOUR BANK, BROKER OR OTHER NOMINEE AS TO ANY QUESTIONS.

     The following instructions relate to the rights offering (the "Rights
Offering") by Blue Valley Ban Corp., a Kansas corporation (the "Company"), to
the holders of its common stock, par value $1.00 per share ("Common Stock"), as
described in the Company's accompanying prospectus, dated November 10, 2008 (the
"Prospectus"). The Company's stockholders who held stock as record holders, as
well as stockholders who held stock through the restricted stock award program
and/or through the ESPP program at 5:00 p.m., Eastern time on November 10, 2008
(the "Record Date"), are receiving one nontransferable subscription right
("Right") for each share of Common Stock held by them at the Record Date. Each
Right will entitle the holder to purchase .1352 of a share of Common Stock (the
"Basic Subscription Right"). The subscription price (the "Subscription Price")
is $18.00 per share. In the Rights Offering, the Company is offering an
aggregate of approximately 334,000 shares of Common Stock.

     In addition, each holder of Rights who exercises his or her Basic
Subscription Right in full will be eligible to subscribe (the "Over-Subscription
Right") at the same price of $18.00 per share for shares of Common Stock that
are not otherwise purchased pursuant to the exercise of Rights under the Basic
Subscription Right (the "Excess Shares"), subject to availability and pro ration
as described below.

     Each holder of Rights may only exercise his or her Over-Subscription Right
if he or she exercised his or her Basic Subscription Right in full and other
holders of subscription Rights do not exercise their Basic Subscription Right in
full. If there are not enough Excess Shares to satisfy all subscriptions made
under the Over-Subscription Right, the Company will allocate the remaining
Excess Shares pro rata, after eliminating all fractional shares, among those
Rights holders who exercised their Over-Subscription Rights. Additionally, if
all Rights are exercised, the Company may decide, in it's sole discretion, to
increase the Rights Offering by up to 66,800 shares. "Pro rata" means in
proportion to the number of shares of our Common Stock that a holder and all
other Rights holders electing to exercise their Over-Subscription Rights have
purchased by exercising the Basic Subscription Rights on their holdings of
Common Stock. If there is a pro rata allocation of the remaining Excess Shares
and a holder of Rights receives an allocation of a greater number of Excess
Shares than he or she subscribed for under his or her Over-Subscription Right,
then the Company will allocate to him or her only the number of Excess Shares
for which he or she subscribed. The Company will allocate the remaining Excess
Shares among all other holders exercising their Over-Subscription Rights.

     No fractional shares of Common Stock will be issued upon exercise of the
Rights and no cash in lieu thereof will be paid. Instead, fractional shares of
Common Stock will be rounded down to the nearest whole share. Nominee holders of
Common Stock that hold, on the Record Date, shares for the account of more than
one beneficial owner may exercise the number of Rights to which all such
beneficial owners in the aggregate would otherwise have been entitled if they
had been direct record holders of Common Stock on the Record Date.

     The Rights will expire at 5:00 p.m., Eastern time on December 5, 2008,
unless extended by the Company as described in the Prospectus (the "Expiration
Time").

     The number of Rights to which a holder is entitled is printed on the face
of that holder's Subscription Rights Certificate representing such Rights (each,
a "Subscription Rights Certificate"). You should indicate your wishes with
regard to the exercise of your Rights by completing the Subscription Rights
Certificate and returning it to Computershare (the "Subscription Agent") in
one of the envelopes provided.

     YOUR SUBSCRIPTION RIGHTS CERTIFICATE MUST BE RECEIVED BY THE SUBSCRIPTION
AGENT, OR GUARANTEED DELIVERY REQUIREMENTS WITH RESPECT TO YOUR RIGHTS
CERTIFICATE MUST BE COMPLIED WITH, AND PAYMENT OF THE SUBSCRIPTION PRICE MUST BE
RECEIVED, AS MORE SPECIFICALLY DESCRIBED IN THE PROSPECTUS, BY THE SUBSCRIPTION
AGENT ON OR BEFORE THE EXPIRATION TIME. YOU MAY NOT REVOKE ANY EXERCISE OF A
RIGHT. RIGHTS NOT EXERCISED PRIOR TO THE EXPIRATION TIME WILL EXPIRE.

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1.   Exercise of Rights.

     To exercise the Rights, deliver your properly completed and executed
Subscription Rights Certificate, together with payment in full of the
Subscription Price for each share of Common Stock subscribed for, prior to the
Expiration Time (unless complying with the guaranteed delivery procedures
described below).

     For record holders, payment of the Subscription Price must be made for the
full number of shares of Common Stock being subscribed for by check or cashier's
check drawn upon a U.S. bank, or postal, telegraphic or express money order, in
each case, payable to Computershare Inc. If paying by uncertified personal
check, please note that the funds paid thereby may take five or more business
days to clear. Accordingly, Rights holders who wish to pay the Subscription
Price by means of uncertified personal check are urged to make payment
sufficiently in advance of the Expiration Time to ensure that such payment is
received and clears by such date and are urged to consider payment by means of
certified or cashier's check, money order or wire transfer of funds. Please
note, however, that all exercises of the Rights are irrevocable, even if you
later learn information that you consider to be unfavorable to the exercise of
the Rights. A holder should thus not exercise the Rights unless certain that it
wishes to purchase additional shares of Common Stock at the Subscription Price
of $18.00 per share.

     For brokers or other nominees, payment of the Subscription Price must be
made for the full number of shares of Common Stock being subscribed for by wire
transfer of immediately available funds to the account maintained by the
Subscription Agent for such purpose at: Bank of America, ABA # XXXXXXXXXX, DDA #
XXXXXXXXXXXX, Account Name: CSSI AS AGENT FOR CORP ACTIONS, REF: COY: BVN; BLUE
VALLEY RIGHTS OFFERING, ATTN: KEN THEVA.

     If you do not indicate the number of Rights being exercised, or do not
forward full payment of the total Subscription Price payment for the number of
Rights that you indicate are being exercised, then you will be deemed to have
exercised the maximum number of Rights that may be exercised with the aggregate
Subscription Price payment you delivered to the relevant Subscription Agent.

     The Subscription Rights Certificate and payment of the Subscription Price
(or, for brokers or other nominees, Notices of Guaranteed Delivery (as defined
below)), must be delivered by mail, by hand or by overnight courier to the
Subscription Agent at the following address:

                            If Delivering By Courier
                        Computershare Trust Company, N.A.
                             Attn: Corporate Actions
                           250 Royall Street, Suite V
                           Canton, Massachusetts 02021
                                 (781) 575-2765

                              If Delivering By Mail
                        Computershare Trust Company, N.A.
                             Attn: Corporate Actions
                             P.O. Box 43011 Suite V
                       Providence, Rhode Island 02940-3011

             By Facsimile Transmission (Eligible Institutions Only)
                                 (617) 360-6810

                  Confirm Facsimile Receipt by Telephone Only:
                                 (781) 575-2332

     The address and telephone numbers of the Subscription Agent for inquiries,
information or requests for additional documentation with respect to the Rights
or the Rights Offering are as follows:

                        Computershare Trust Company, N.A.
                             Attn: Corporate Actions
                           250 Royall Street, Suite V
                                 (781) 575-2765
                                 (800) 546-5141


     Brokers or other nominees wishing to exercise Rights, may cause a written
guarantee substantially in the form enclosed for them (the "Notice of Guaranteed
Delivery") from a commercial bank, trust company, securities broker or dealer,
credit union,

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savings association or other eligible guarantor institution which is a member of
or a participant in a signature guarantee program acceptable to the Subscription
Agent (each of the foregoing being an "Eligible Institution"), to be received by
the Subscription Agent at or prior to the Expiration Time, together with payment
in full of the applicable Subscription Price. Such Notice of Guaranteed Delivery
must state your name, the number of Rights represented by your Subscription
Rights Certificate, the number of shares of Common Stock being subscribed for
pursuant to the exercise of the Rights and must guarantee the delivery to the
relevant Subscription Agent of a properly completed and executed Subscription
Rights Certificate within three business days following the date the relevant
Subscription Agent receives the Notice of Guaranteed Delivery. If this procedure
is followed, a Subscription Rights Certificate must be received by the
Subscription Agent within three business days following the date the
Subscription Agent receives the Notice of Guaranteed Delivery. Additional copies
of the Notice of Guaranteed Delivery may be obtained upon request from the
Subscription Agent, at the address, or by calling the telephone number,
indicated above. Any payment made in connection with a Notice of Guaranteed
Delivery must be made by wire transfer of funds in accordance with the wire
instructions set forth above.

2.   Termination of the Rights Offering.

     The Company has the right to cancel or amend the Rights Offering for any
reason prior to the Expiration Time.

3.   Delivery of Shares of Common Stock.

     The following deliveries and payments will be made to the address shown on
the face of your Subscription Rights Certificate unless you provide instructions
to the contrary in your Subscription Rights Certificate.

     (a) Common Stock. As soon as practicable after the Expiration Time, the
Subscription Agent will deliver to each holder validly exercising Rights the
shares of Common Stock purchased pursuant to such exercise.

     (b) Return of Excess Payments. As soon as practicable after the Expiration
Time, the Subscription Agent will promptly deliver to each Rights holder any
excess funds, without interest or deduction, received in payment of the
Subscription Price.

4.   Sale or Transfer of Rights.

     The Rights granted to you are nontransferable and, therefore, you may not
sell, transfer, or assign your Rights to anyone.

5.   Delivery of New Subscription Rights Certificate.

     If your Subscription Rights Certificate is lost or destroyed, you may
contact the Subscription Agent about a replacement. However, as a result of
delays in the mail, the time of the transmittal, the necessary processing time
and other factors, you may not receive new Subscription Rights Certificate(s) in
time to enable the Rights holder to complete an exercise by the Expiration Time.
Neither the Company nor the relevant Subscription Agent will be liable to any
holder for any such delays.

6.   Execution.

     (a) Execution by Registered Holder(s). The signature on the Subscription
Rights Certificate must correspond with the name of the registered holder
exactly as it appears on the face of the Subscription Rights Certificate without
any alteration or change whatsoever. If the Subscription Rights Certificate is
registered in the names of two or more joint owners, all of such owners must
sign. Persons who sign the Subscription Rights Certificate in a representative
or other fiduciary capacity must indicate their capacity when signing and,
unless waived by the Company in its sole and absolute discretion, must present
to the Subscription Agent satisfactory evidence of their authority to so act.

     (b) Execution by a Person Other than Registered Holder. If the Subscription
Rights Certificate is executed by a person other than the holder named on the
face of the Subscription Rights Certificate, proper evidence of authority of the
person executing the Subscription Rights Certificate must accompany the same
unless the Company dispenses with proof of authority, in its sole and absolute
discretion.

7.   Method Of Delivery.

     The method of delivery of Subscription Rights Certificates and payment of
the Subscription Price to the Subscription Agent will be at the election and
risk of the Rights holder, but, if sent by mail, it is recommended that they be
sent by registered mail, properly insured, with return receipt requested, and
that a sufficient number of days be allowed to ensure delivery prior to the
Expiration Time.

     In the event that there is a conflict between these instructions and the
Prospectus, the Prospectus controls.