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 and life insurance, and trust services.

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

Use of proceeds and capital allocation

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

• No proceeds received from open market purchases by the Plan Administrator.

Risk factors and disclosures

• Investment involves risks that could harm business, financial condition, results, and cash flows.

• Plan accounts are not insured by FDIC, SIPC, or any government agency and may lose value.

• Reference to risk factors in the latest Annual Report on Form 10-K and other SEC filings.