Tompkins Financial Corporation | TMP: NYSE MKT

Stock Purchase Plan

Tompkins Financial Corporation shareholders enjoy greater efficiency and convenience in their transactions thanks to our association with American Stock Transfer & Trust Company, LLC ("AST"). Shares of TMP Common Stock can be purchased through AST's web site, www.amstock.com.

AST's site will also allow direct debits from participants' checking or savings accounts for purchases of TMP common stock. The site will process address changes, issuance of certificates, account history, current share balance, share sales, or termination of participation in the Plan. Participants may reinvest cash dividends or elect to have dividends deposited directly into their checking or savings account through electronic funds transfer.

A booklet, "Tompkins Financial Corporation Stock Purchase Plan (Prospectus)", carries all the particulars. It is available at www.amstock.com or by contacting Shareholder Relations by e-mail at shareholder@tompkinstrust.com or by phone at (607) 274-7299 or toll-free (888) 503-5753 for a copy.

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