Exhibit 10.32
Amendment to the TFC Officer Group Term Replacement Plan

Reference is hereby made to the undersigned’s Officer Group Term Replacement
Plan (the “Plan”), dated on or about January 16, 2002. The parties agree that
the Plan is hereby amended as set forth below. All other sections of the Plan
shall continue in full force and effect except as expressly amended hereby.
1.Article 1 (General Definitions), definitions of “Change in Control,”
“Disability,” and “Terminated for Cause” are hereby amended and superseded in
their entirety as follows:
1.2 “Change in Control” is defined by reference to the definition used in the
Tompkins Financial Corporation 2019 Equity Plan, as amended, restated, or
otherwise replaced by a successor plan which contains a definition of Change in
Control.
1.5 “Disability” is defined by reference to the definition used in the Insured’s
Amended and Restated Supplemental Executive Retirement Agreement (dated on or
about November 9, 2016), as the same as further amended, restated, or otherwise
replaced by a successor plan which contains a definition of Disability.
1.17 “Terminated for Cause” means that the Company has terminated the
Participant’s employment for Cause, as defined by reference to the definition
used in the Insured’s Amended and Restated Supplemental Executive Retirement
Agreement (dated on or about November 9, 2016), as the same as further amended,
restated, or otherwise replaced by a successor plan which contains a definition
of Cause.
2.Article 2 (Participation) ‐ Section 2.5 (Retirement), is hereby amended and
restated in its entirety as follows.
2.5 Retirement. So long as Participant retires on or following the earliest age
set forth on the vesting schedule attached hereto as Exhibit C, then upon such
retirement of the Participant, the Company shall maintain the Policy in full
force and effect and in no event shall the Company amend, terminate, or
otherwise abrogate the Participant’s interest in the Policy, provided, however
that at all time the Policy shall be subject to the claims of the Company’s
creditors. The Participant’s interest in the Policy shall be subject to the
vesting schedule attached hereto as Exhibit C.

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3.Exhibit D – Section entitled “BENEFICIARIES,” is hereby amended and restated
in its entirety as follows:

BENEFICIARIES.
The following provisions are expressly subject to Articles 2 (Participation) and
3 (Policy Ownership/Interests) of the Plan, which Plan shall control over any
contrary or conflicting provisions in this section:
1.    Upon the death of the Insured during employment with Tompkins Financial
Corporation, the beneficiary designated by the Insured, or his/her transferee,
shall be the beneficiary of:

(i)
Four (4) times the Participant’s Base Annual Salary, less all sums as are
payable by reason of any Other Group Term coverage on the life of the
Participant.

If the Bank has not acquired and maintained a policy or policies of life
insurance providing death benefits to the Bank sufficient to pay the benefits
otherwise provided under subsection (i), as applicable, the benefit otherwise
payable under subsection (i), as applicable, shall be reduced to the level of
the death benefits payable under the policy or policies the Bank acquired and
maintained as of the Executive’s date of death which is in excess of the booked
asset of such policy or policies as reflected in the financial statements of the
Bank as of the Executive’s date of death.

Notwithstanding the above, but subject to Articles 2 (Participation) and 3
(Policy Ownership/Interests) of the Plan, the minimum benefit payable under this
Section 1 shall be $1,700,000, less all sums as are payable by reason of any
Other Group Term coverage on the life of the Participant.

2.    Subject to Articles 2 (Participation) and 3 (Policy Ownership/Interests)
of the Plan, upon the death of the Insured after retirement from Tompkins
Financial Corporation, the beneficiary designated by the Insured, or his/her
transferee, shall be the beneficiary of:

(ii)
The amount of death benefit based on the Vesting Schedule attached hereto as
Exhibit C, less all sums as are payable by reason of any Other Group Term
coverage on the life of the Participant.

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If the Bank has not acquired and maintained a policy or policies of life
insurance providing death benefits to the Bank sufficient to pay the benefits
otherwise provided under subsection (ii), as applicable, the benefit otherwise
payable under subsection (ii), as applicable, shall be reduced to the level of
the death benefits payable under the policy or policies the Bank acquired and
maintained as of the Executive’s date of death which is in excess of the booked
asset of such policy or policies as reflected in the financial statements of the
Bank as of the Executive’s date of death.
Notwithstanding the above, If the Insured’s retirement occurs on or after the
attainment of age 62, the minimum benefit payable under this Section 2 shall be
$1,700,000, less all sums as are payable by reason of any Other Group Term
coverage on the life of the Participant.
3.
The beneficiary of any remaining death benefits payable under the policy or
policies the Bank acquired and maintained as of the Executive’s date of death
shall be Tompkins Financial Corporation (the “Company”).

IN WITNESS WHEREOF, the parties have executed this Amendment as of the last date
written below:
TOMPKINS FINANCIAL CORPORATION    PARTICIPANT
(f/k/a Tompkins Trustco, Inc.)

By: /S/ Bonita N. Lindberg         /S/ Francis M. Fetsko        
Name/Title: Bonita N. Lindberg,                Name: Francis M. Fetsko, as
Participant
SVP, Dir. of HR                Date: February 28, 2020        
Date: February 28, 2020