Tompkins Financial (TMP) Registration Filing summary

Company overview and business model

• Operates as a financial holding company with banking and insurance subsidiaries in New York and Pennsylvania.

• Offers community banking, property and casualty insurance, group benefits, and trust services.

• Common stock is listed on NYSE American under the symbol TMP.

Use of proceeds and capital allocation

• Net proceeds from shares sold directly by the company will be used for general corporate purposes and capital enhancement.

• Proceeds are only received when shares are purchased directly from the company, not from open market purchases.

Risk factors and disclosures

• Investment involves risks, including potential loss of investment and lack of FDIC or SIPC insurance.

• Risks are detailed in the Annual Report on Form 10-K and other SEC filings incorporated by reference.