Exhibit 10.22

                              Director Compensation
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Effective January 1, 2008, the Company's non-employee Directors are compensated
for service on the Company's Board of Directors as follows. An annual $9,000
retainer fee is paid to the Company's non-employee directors. In addition,
non-employee directors receive $1,000 for each of the four regularly-scheduled
Board meetings the director attends, as well as $400 for each
Executive/Compensation/Personnel, Nominating/Corporate Governance and Pension
Investment Review committee meeting attended. Members of the Audit/Examining
Committee are paid $700 per meeting attended. The Chair of the Audit/Examining
Committee receives an additional $4,000 annual fee. All fees paid for service on
the Company's Board of Directors are paid pursuant to the Stock Retainer Plan
for Eligible Directors of Tompkins Financial Corporation and Participating
Subsidiaries (the "Retainer Plan").

Effective January 1, 2008, the Company's non-employee Directors are compensated
for service on the board of Tompkins Trust Company, a wholly-owned bank
subsidiary, as follows. Any non-employee member or members of the Company's
Board of Directors who also sits on the board of Tompkins Trust Company receives
an additional annual $6,000 Board Retainer Fee and $7,200 Comprehensive
Meeting/Activity Fee. In addition, non-employee directors receive $275 per
meeting attended of the Trust Committee and Board Loan Committee, and Committee
Chairs receive a $1,000 annual fee. Each non-employee director's Board Retainer
Fee is paid pursuant to the Retainer Plan, and each non-employee director's
other fees are payable in cash or, if a valid election was made by such director
prior to January 1, 2008, his or her fees are payable in accordance with his or
her election (i) pursuant to the Retainer Plan, (ii) pursuant to a Deferred
Compensation Agreement or (iii) in cash.

Effective January 1, 2008, the Company's non-employee Directors are compensated
for service on the board of The Bank of Castile, a wholly-owned bank subsidiary,
as follows. Any non-employee member or members of the Company's Board of
Directors who also sits on the board of The Bank of Castile receives an
additional annual $13,200 Board Retainer Fee in cash.

In accordance with past practice, any non-employee member or members of the
Company's Board of Directors who also sits on the board of Mahopac National Bank
receives an additional annual fee of $17,000 for service on the Mahopac National
Bank's Board of Directors. Any non-employee member or members of the Company's
Board of Directors who also sits on the board of AM&M Financial Services, Inc.
receives an additional annual fee of $14,000 for service on AM&M Financial
Services, Inc.'s Board of Directors. The member of the Company's Board of
Directors who also sits on the board of Tompkins Insurance is not compensated
for such service.

In lieu of the board and committee fees described above, the Chairman is paid an
annual retainer of $50,000, and the Vice Chairman is paid an annual retainer of
$35,000. In addition, the Company provides a company-owned vehicle for the
Chairman's business and personal use, and 75% of the cost of certain club dues
are paid on his behalf. Such fees are payable in cash or, if a valid election
was made by the Chairman or the Vice Chairman prior to January 1, 2008, his fees
are payable in accordance with such election (i) pursuant to the Stock Retainer
Plan, (ii) pursuant to a Deferred Compensation Agreement or (iii) in cash.
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Effective January 1, 2009, the Company's non-employee Directors will be
compensated for service on the Company's Board of Directors, and for service on
the Company's subsidiary boards, in the same aggregate amounts as they were in
2008; provided, however, to the extent allowable under Section 409A of the
Internal Revenue Code, as the same may be amended prior to such time, all
non-employee directors' fees shall be payable in cash or, if a valid election
was made by a director prior to January 1, 2009, such director's fees shall be
payable in accordance with such election (i) pursuant to the Stock Retainer
Plan, (ii) pursuant to a Deferred Compensation Agreement or (iii) in cash.