1. William R. Eyman
57733 State Hwy. E
Knox City, MO 63446
(660) 434-5352 Home
(660) 397-2408 or (573) 215-2284 Banks
FAX # (660) 397-3163
(e-mail ) rosbilknox@gmail.com
OCCUPATION
Owner and manager of Eyman Farms, Knox County, Missouri.
Senior-Vice President of United State Bank, Lewistown, Ewing and Edina, Missouri.
EDUCATION
1948-1952 Northeast Missouri State University, Kirksville, Missouri. Current Name: "Truman
University" Degree: B.S. Major: Chemistry Minor: Math & Agriculture
SERVICE
1953-1955 United States Army, 5th Armored Division. Rank: Corporal, Chief Clerk Division
Schools
EXPERIENCE
1955-Present Actively engaged in farming. Knox County, Missouri.
Owner and manager of Eyman Farms consisting of 1380 Acres. Corn, soybeans, wheat primary row crops.
Livestock: cow herd, fed cattle and hogs.
1976-Present Director, United State Bank, Lewistown, Missouri.
Set Bank policy, approve all loans and all investments in a bank that has agriculture as it's primary loan
portfolio, and is rated number one in capital assets. Expanded to include two facilities in local area for
greater customer service. Secretary of the Board of Directors
1984-Present Director Emeritus, Farmers Mutual Insurance Co., Macon, Missouri.
Responsible for hiring management, setting salaries, and expanding service to a nine county area, with
$500,000,000 insurance in force. Head long range planning committee and finance committee.
1993-Present Retired Senior Agriculture and Commercial Loan Officer for the United State Bank
1993-Present Retired Senior Vice-President, United State Bank, Lewistown, Missouri.
Retired Chairman of the Loan & Discount Committee and Retired Chairman of the Management
Committee. Senior management of the bank. In-house appraiser for residential, commercial and farm land
loans.
1996-Present Director of River Valley Bancshares Inc. a bank holding company. Treasure of the
Board of Directors of River Valley Bancshares Inc.
2000-2002 Member of Missouri Bankers Agriculture Committee
Set policy, schedule MBA schooling, and schedule MDA agriculture conference.
2011 Ghana ACDI/VOCA Volunteer Program (GAVVP) Owurakesim & Asuokaw Citrus
Farmers Association. USAID Ghana Agricultural Development and Value Chain Enhancement
(ADVANCE). Farm Record Keeping, Farm Budget Development and General Management Practices. To
train the cooperatives on effective farm record keeping, farm budget development, good farm management
practices on farming as a business. Impact: To develop their capacity to analyze their enterprise for
profitability and make informed decisions to access loans.

2. 2009 Volunteer Overseas Cooperative Assistance (ACDI/VOCA) Accra, Ghana, Developing a
Microfinance Scheme for Ghana National Association of Farmers & Fishermen (GNAFF) was sent as a
financial expert who would design a micro finance plan to manage, disburse and recoup funds that will be
loaned to its members. The long-term outlook they are seeking is to enhance the capacity of small-scale
farmers and fishermen for increased agricultural productivity and poverty reduction. To bring together
GNAFF members from all over the country, to be independent of the government and to develop their
capacities to increase their level of production in a sustainable business atmosphere and favorable policy
environment
2009 Volunteer Overseas Cooperative Assistance (ACDI/VOCA) Yerevan, Armenia
International Agricultural Credit Training. Sent to review agricultural lending practices in Armenia and
develop and deliver a practical Training of Trainer (ToT) course of agricultural lending. The ToT will build
capacity within select Mentor/Trainers of Credit Providers of credit Providers to conduct practical field-
based training in agricultural lending for their credit officers who are working with the Water To Market
Credit Program, Millennium challenge Account-Armenia.
2008 Volunteer Overseas Cooperative Assistance (ACDI/VOCA) Addis Ababa, Ethiopia.
Agricultural Credit Risk Management and Mitigation Strategies. Sent to aid the Cooperative Bank of
Oromia to assess the existing policies and procedures of the bank and to design a prudent agricultural
lending policy through introduction of proper lending and monitoring mechanism. A new agriculture loan
policy was written as a stand-alone and is to be inserted into their existing loan policy. To design and
present a one-day workshop covering Agricultural Credit Risk Management and Mitigation Strategies with
the view of introducing additional agricultural loan products..
2008 Volunteer Overseas Cooperative Assistance (ACDI/VOCA) Tanzania Africa, Sustainable
Environmental Management through Mariculture Activities (SEMMA) requested assistance to access the
capability of a micro-finance loan program and to develop an action plan for seaweed input financing
through local financial institutions. A Business Plan was written for the “Mikocheni Pilot Program” in the
Tanga region of Tanzania to secure financing for inputs. Working with USAID collateral for the loan was
supplied by USAID and the loan was secured by the villagers.
2007 International Executive Service Corps (IESC) Petoria South Africa. Milk Producers
Organization (MPO) requested an Agriculture Finance Specialist to develop strategy in electronic format
and to train-the-trainers on developing and assisting subsistence dairy/cattle farmers to become SMME or
emerging/developing commercial farmers. Mentoring selected subsistence farmers on developing banking
financial information “what your banker needs to know” to emerge to SMME status. Two month project
Aug-October 2007
2007 Volunteer Overseas Cooperative Assistance (ACDI/VOCA) Kumi District, Eastern
Region, Uganda. Vision Teso Rural Development Organization (Vision TERUDO) requested technical
assistance in developing operational guidelines for running an efficient rural credit scheme. Develop the
capacity of VT staff and executives of farmer groups in management and saving culture among the targeted
rural poor farming communities and in two displaced persons camps in Northwest Uganda. Micro-finance
was taught to two groups in the Kumi District of Uganda.
2006 International Executive Service Corps (IESC) Tblisi, Georgia. “Train the Trainers”
Technical assistance was requested for two volunteers experts (1) SME Financing Expert; and (2)
Agricultural Financing Expert. The assignment to develop the skills and capacities of BFA to provide
quality seminars and training programs to (1) Financial institutions to increase their loan portfolio to the
small and medium sized enterprise (SME)and agricultural industry sectors. To develop skills, knowledge
and capacities and to offer quality-training programs/workshops to loan officers and potential SME and
agriculture borrowers in Tbilisi and rural regions of Georgia.
2005 International Executive Service Corps (IESC) Tblisi Georgia. Sent to participate in a
two-day workshop on small and medium size enterprise (SME) lending supported by the National Bank of

3. Georgia, Association of Banks of Georgia, and the Banking-Finance Academy of Georgia. One of two
volunteers who conducted training that centered on lending to the SME s and to Agribusiness. Event
launched with reception at the National Bank of Georgia. Workshop structured towards loan department
heads, branch level loan officers and managers, microfinance and central bank employees.
2005 Volunteer in Overseas Cooperative Assistance (ACDI/VOCA) Kenya
Kitale, Rift Valley Province, Kenya: SACCO Highway Cereals Marketing Savings and Credit Cooperative
requested help in management of a savings and credit organization, while addressing the basic requirements
of the formation and management of a savings and credit organization modeled on popular micro-finance
principles. The objectives of cash management, ratios, credit management, defaults, record and record
keeping, reserve for loan loss and ethics was addressed.
2004 Volunteer in Overseas Cooperative Assistance (ACDI/VOCA) Acre Brazil, OCB-Acre
had requested assistance of a volunteer consultant to improve their internal control mechanism, aid in
restructuring the organization, and provide the necessary training and general guidance for future
Presidents and members, as the potential to implement short-term and long-term growth strategies to build
five Credit Cooperatives in five regions.
2003 Volunteer in Overseas Cooperative Assistance (ACDI/VOCA) Russia, Rostov-Don
Oblast Agricultural Consumer Credit Cooperative “Sholokhovsky and Kosharsky Farmer” requested help
in the concept of loan risk grading and loan loss reserves. Review their loan files, recommendations on
improving the loan filing system and credit portfolio risk analyis. Wrote policy for credit risk management
and loan policy and procedures policy. Hands on help to improve their loan administration system.
2003 Volunteer in Overseas Cooperative Assistance (ACDI/VOCA) Russia, Saratov Credit
Union “Gramen” Development of a business plan form and cash flow statements to be used by credit union
members. The cooperative requested a seminar be given to the coop. farmers in the Marx Rayon covering
development of business plans and cash flow statements. Management of the coop. was instructed in risk
management, preparation of cash flow statements, balance sheets and reserve for loan loss.
2003 Volunteer in Overseas Cooperative Assistance (ACDI/VOCA) Russia, Credit
Cooperatives –Institutional Development. Ozinki Agricultural Consumer Credit Cooperative “Nadezhda”
Dergachi Agricultural Consumer Credit Cooperative “Steppe”. “Nadezhda cooperative requested help to
develop a system of risk management. Provided information on methods of credit portfolio risk analysis,
draft system of loan monitoring practices. Wrote policy for credit risk management, hands on training in
risk analysis, produced loan grading system, loan loss reserve, grading loans, privacy and ethics. “Steppe”
cooperative requested help to receive detailed training in the basics of credit. Help in loan file system, risk
management, balance sheet and cash flow analysis.
2002 Volunteer in Overseas Cooperative Assistance (VOCA) Ethiopia, Africa.
The purpose of this assignment was to enhance the capacity of cooperative promoters in Cooperative
Savings and Credit Development and improve their skills. The technical training included: Introduction to
Credit, Cost of Funds, Credit Risk Management, Calculation of Interest, Evaluating Credit Risks and
Minimizing Losses, Credit Collections, Savings, Uses of Limited Capital, Collateral and Significance of
Ratio Analysis. Trainees were from the regions of Benshangul Gumuz, Somali, Gambella, Afar and Addis
Ababa Regions of Ethiopia. Training took place in Nazareth, Ethiopia.
2001 International Executive Service Corps IESC /Zambia is utilizing a number of modalities
to assist the Mission “increasing rural incomes”. One modality is a pilot activity entitled “Livingstone
Business/Tourism Linkages Program” The goal of the program is to assist small and medium-sized
businesses to take advantage of real growth by providing quality products and services in a timely manner.
IESC Zambia has formed a working partnership with the Livingstone District Business Association (DBA-
Live). Was sent as an agriculture expert and banker to work with CARE International to teach basic
business and crop budgets. Established an accounting system and procedures for the Kazangula Milk
collection station, worked with the DBA as a mentor, the Livingstone Prison and the Sinde artesian well to
secure investors to bottle the water for tourists. Total clients numbered forty seven farmers and small

4. business men. (Two months duration)
2001 Agricultural Cooperative Development International (ACDI/VOCA
Omsk Western Siberia, Russia Mutual Insurance Company Project Consulting on setting up a Mutual
Insurance Society, Universal Insurance Co, Insurance Co. "Tissa", Insurance Co. "Astor", "Interros
Soglasia" Insurance Company To share knowledge on the work and activities of mutual insurance societies
in the USA including practical information on the following: accumulating funds, types of insurance,
attracting clients, to set up a mutual insurance society and to effectively manage and develop mutual
insurance companies.
1999 Agricultural Cooperative Development International (ACDI/VOCA)
Agro-Credit Djalal-Abad Association (ACDA) Rural Credit Training Assist ACDA to develop and
strengthen the Agro-Credit Djalal-Abad Association, Kyrgyzstan, operational structure, and credit
operations. Specific development of recommendations on credit risk management, credit
policies/procedures and financial tracking systems. Developed Loan Policy and Procedures Policy for
ACDA
1998 Agricultural Cooperative Development International (ACDI/VOCA)
Osh,Kyrgyzstan, Maksat Bank Pilot Program II Agricultural Lending Training of the Maksat Bank Loan
Officers to learn and understand the agricultural lending concepts that would assist the bank organize better
services for its borrowers and improve overall credit culture and lending process. Wrote an Agriculture
Loan Policy, Lending Procedures Policy, Collateral Policy, and formed an agriculture loan committee and
agenda, to assist Maksat Bank management to improve the effectiveness of Maksat’s branch credit
operations.
1997 Agricultural Cooperative Development International (ACDI/VOCA)
Saratov and Moscow Russia, Louis Berger International, Inc. Russian Business Volunteers Program.
Business Planning Project. Training of farm-borrowers of Saratov Ooblast who cooperate with Louis
Berger International, Inc. under the MOFSA project. Review business plans, visit farms, meet local
directors and provide practical recommendations on project implementation for attracting financial
resources. Wrote Loan Policy, Procedure, Evaluation of Collateral, Sample Budgets, and suggestions to
protect the Rural Credit Operational Development Funds which will loan money to Mutual Credit
Cooperatives.
1997 Volunteer in Overseas Cooperative Assistance (ACDI/VOCA)
Skopje, Macedonia-Open Society Institute, (Soros Foundation) and Export & Credit Bank A.D. Requested
an expert in agricultural lending to assist with the evaluation of the Credit Program for Private Agriculture-
status of the loan portfolio, assist in future loan officer training, evaluate the funds operations and advise on
possible changes.
1995 Volunteer in Overseas Cooperative Assistance (VOCA).
Braila, Romania, Braila Credit Assistance - Provided training and assistance in agriculture lending to the
staff of the Small and Medium Enterprises Development Center. Loan Officer of the Development Bank,
and owners of 3-4 private agribusinesses seeking loans. Wrote and developed structure and policy for the
Braila Social Loan Fund. Assisted in the preparation and execution of feasibility studies, business plans,
and the loan application process.
1994 Volunteer in Overseas Cooperative Assistance (VOCA).
Farmer to Farm Project: The Agency for Cooperative Development International (ACDI) requested help to
train personnel in three (3) Banks in Northern Poland. Subject matter included, "Marketing for
Cooperative Banks", "Human Resources Management" and "Roles of Responsibilities of Cooperative Bank
Council Members". Santok Cooperative Bank, Zlotniki Kujawskie Bank and Aleksandrow Kujawski
Bank.

5. 1994 Volunteer in Overseas Cooperative Assistance (VOCA).
The Government of Latvia created the Agriculture Finance Company to channel a World Bank credit line
to farmers. Sent to work directly with the head of the credit department, to be a mentor in banking finance,
training, and human resource development. Worked for, and reported to, the World Bank in Washington
D.C.
1993 Volunteer in Overseas Cooperative Assistance (VOCA).
Sent as a farm manager and bank financial officer to work with the first (1st) Private Association of farmers
in the Iasi area of Romania. Duties for this project were to work with the banks to secure credit for this
first Private Association of land owners.
1992 Volunteer in Overseas Cooperative Assistance (VOCA).
Sent as the team finance officer to help two collective farms form a capitalistic cooperative at Velke
Pavolivice and Strachotin, Czechoslovakia. Advised the cooperatives on measures to be taken to better the
financial possibilities for the cooperative.
1988-1991 Charter Member, MoBucks Project
Policy making committee formed by the State Treasurer for loaning state funds through local banks to
create jobs for Missouri work force.
1971-1974 Director of Farmers Home Administration, Knox County
President 1973-1974 Reviewed all loan requests.
1969-1976 Director, Soil Conservation Service, Knox County
Vice Chairman 1972-1976. Carries out government and state conservation policy. Hired personnel and
applied for federal funds.
1963-1978 Director, Lewis Co. Rural Electric Co-op
Treasurer of Co-op 1974-1978. Hired personnel, set salaries for management and employees, negotiated
loans through R.E.A., expanded service and general policy of the co-op.
1958-1962 Director, Knox County Extension Council
Responsible for over-all activities of the extension personnel and services.
1958-1962 Member, Agricultural Stabilization Committee
Elected committee members, assigned acreage allotments for township farms.
SERVICE ORGANIZATIONS
Rotary (Retired)
Rotary International Service: World Community Service
Community Development
Employer as Mentor, Knox County Schools
Volunteer Overseas Cooperative Association ACDI/VOCA
Agency For International Development USAID
UNISTAR United Nations Development Programme
International Executive Service Corps. IESC
AFFILIATIONS
Masonic Lodge #222 LaBelle, MO
Moila Shrine, St. Joseph, MO
Knox County Cattlemen Association., Director (Retired)
Missouri Cattlemen Association., State Director (Retired)
Knox County Young Farmers, Associate Member
Missouri Bankers Association

6. Active Supporter of Knox County 4-H
Trustee Bee Ridge Methodist Church (Retired)
Member of Knox County Economic Development Committee (Retired)
Bee Ridge Methodist Church Lords Acre Committee President
Member of the Knox County Comprehensive School Improvement Program and Goals
Mentor for Knox County School "Eagle Encounters Program"
PERSONAL
Marital Status: Married, Two adult children
Health: Excellent, No physical limitations, last physical 2011
Hobbies: Swimming, reading, all water sports, travel, yard work, bridge, jogging.

7. Active Supporter of Knox County 4-H
Trustee Bee Ridge Methodist Church (Retired)
Member of Knox County Economic Development Committee (Retired)
Bee Ridge Methodist Church Lords Acre Committee President
Member of the Knox County Comprehensive School Improvement Program and Goals
Mentor for Knox County School "Eagle Encounters Program"
PERSONAL
Marital Status: Married, Two adult children
Health: Excellent, No physical limitations, last physical 2011
Hobbies: Swimming, reading, all water sports, travel, yard work, bridge, jogging.