Document:

EXHIBIT 10.1

                                    AMENDMENT
                                     TO THE
                             TOMPKINS TRUSTCO, INC.
                   SUPPLEMENTAL EXECUTIVE RETIREMENT AGREEMENT

         This Amendment is dated this 26 day of June, 2006 between Tompkins
Trustco., Inc. (the "Company") and James J. Byrnes, residing at 872 Highland
Road, Ithaca, New York 14850 (the "Executive").

         WHEREAS, the Company as the successor-in-interest to Tompkins Trust
Company and the Executive entered into a Supplemental Executive Retirement
Agreement dated July 12, 1994 (the "Agreement") which remains in full force and
effect; and

         WHEREAS, the enactment of Internal Revenue Code 409A, effective January
1, 2005, requires that the Agreement be amended to be brought into compliance
with the Internal Revenue Code;

         NOW, THEREFORE, it is agreed as follows:

         1.       This Amendment shall be effective January 1, 2005.

         2.       Section 2.1(b) defining "Early Retirement Date" is hereby
deleted and all references throughout the Agreement relating to the early
retirement of the Executive or an Early Retirement Date are hereby deleted.

         3.       The last paragraph of Section 2.2 is hereby amended to read as
follows:

                  Notwithstanding the foregoing, no provision of this Agreement
                  shall be construed or interpreted to treat service in
                  non-competitive, business-related capacities as "Competition
                  with the Company", including by way of example and not
                  limitation, service on the Board of the New York Business
                  Development Corporation.

         4.       Section 3.2 is hereby deleted in its entirety.

         5.       Section 3.4 is hereby amended to read as follows:

                  The annual benefit under this Agreement shall be payable in
                  the form of a 50% joint and survivor annuity under which the
                  Executive shall receive an annual benefit equal to 90% of the
                  annual benefit amount determined as a straight life annuity
                  form of payment and, upon the Executive's death, the Surviving
                  Spouse shall receive an annual benefit equal to 50% of the
                  amount which the Executive was receiving prior to death. In
                  the event the Executive is unmarried at the time the annual
                  benefit is to commence, the annual benefit shall be payable as
                  a straight life annuity for the life of the Executive.

         6.       Section 3.5 is hereby deleted in its entirety.

         7.       The first sentence of Section 4.1 is hereby amended to read as
follows:

                  The annual benefits payable in accordance with Section III
                  shall be payable in twelve equal monthly installments and
                  shall commence on the Executive's date of Retirement;
                  provided, however, that in the event the Executive is
                  determined to be a "key employee", as such term is defined in
                  Section 416(i) of the Internal Revenue Code of 1986, as
                  amended, or any successor to such statute of like import, then
                  any monthly benefit otherwise payable on or before the date
                  which is six (6) months after the Executive's termination of
                  employment date shall be delayed until the earlier of the
                  Executive's date of death or the date which is six (6) months
                  after the Executive's termination of employment date.

         8.       The last sentence of Section 4.1 is hereby amended to read as
follows:

                                       31
<PAGE>

                  The last payment to the Executive will be on the first day of
                  the month of the later to occur of the Executive's death or
                  the Surviving Spouse's death; provided, however, that in the
                  event the straight life annuity form of payment is in effect,
                  then the last payment shall be on the first day of the month
                  in which the Executive dies.

         9.       Section 4.2 is hereby deleted in its entirety.

         10.      Section 5.1 is hereby amended to read as follows:

                  If the Executive dies while employed by the Company and before
                  his Postponed Retirement Date, the benefit payable under this
                  Agreement shall be determined as if the Executive retired on
                  the day preceding the date of his death and the Surviving
                  Spouse shall receive the survivor benefit as set forth in
                  Section 3.4. If there is no Surviving Spouse, then no benefit
                  shall be payable under this Agreement upon the death of the
                  Executive before his Postponed Retirement Date.

         11.      Section 5.2 is hereby deleted in its entirety.

         12.      The last sentence of Section 6.3 of the Agreement is hereby
amended to read as follows:

                  The annual disability benefit shall be payable as a 50% joint
                  and survivor annuity form of benefit under Section 3.4;
                  provided, however, that if the Executive is unmarried at the
                  time of a disability retirement, the annual disability benefit
                  shall be payable as a straight life annuity for the
                  Executive's life.

         13.      Subsection (a) of Section 7.2 is hereby deleted in its
entirety.

         14.      The following sentence is hereby added at the end of Section
7.4:

                  In no event shall the benefits payable under this Agreement be
                  funded through an offshore trust.

         15.      The following provisions are hereby added at the end of
Section 7.11:

                  The Company and Executive intend for the Agreement to comply
                  with the provisions of Section 409A of the Internal Revenue
                  Code of 1986, as amended. Therefore, this Agreement shall be
                  construed and interpreted in a manner consistent with the
                  parties' intent to comply with Section 409A.

         IN WITNESS WHEREOF, this Amendment has been executed on the date first
above written.

                                       TOMPKINS TRUSTCO, INC.

                                       By: /s/ ROBERT B. BANTLE
                                           -------------------------------------
                                           Name:  Robert B. Bantle
                                                  Executive Vice President

                                       Title:  Chairman of the Board and
                                               Chief Executive Officer

                                       /s/ JAMES J. BYRNES
                                       -----------------------------------------
                                       Name:  James J. Byrnes ("Executive")

                                       32EXHIBIT 10.2

               Participants in Officer Group Term Replacement Plan

                                  Steven Bacon
                                  Paul Banfield
                                 Robert Bantle*
                                  Terry Barber
                                Francis Benedict
                                  David Boyce*
                                  Samuel Brewer
                                   John Butler
                                  James Byrnes*
                                  Edward Dawson
                                 Jeffrey Dobbin
                                  Richard Dolge
                                  Richard Farr
                                  Frank Fetsko*
                                  James Fulmer*
                                 Stephen Garner*
                                Benjamin Herrmann
                                  Stephen Hoyt
                                   Diana Jayne
                                 Joyce Maglione
                                 H. Craig Miller
                                Stephen Patchett
                                  Joseph Perry
                                Stephen Romaine*
                                  Thomas Smith
                                 Donald Stewart
                                Lawrence Updike*
                                   Pamela Wait

* Exhibit D to Officer Group Term Replacement Plan for each of these executive
officers filed individually, as Exhibit D to the Tompkins Trustco, Inc. Officer
Group Term Replacement Plan, filed as Exhibit 10.20 to the Company's Annual
Report on Form 10-K for the year ended December 31, 2005, filed with the
Commission on May 16, 2006 and incorporated herein by reference.

                                       33
<PAGE>

TOMPKINS TRUSTCO, INC.
                       OFFICER GROUP TERM REPLACEMENT PLAN
                           (as amended June 26, 2006)

         THIS PLAN, hereby made and entered into this day of_____________, 2005,
by and between Tompkins Trustco, Inc., a financial services holding company
including as affiliates Tompkins Trust Company, Mahopac National Bank, The Bank
of Castile and Tompkins Insurance Agencies, Inc. (the "Company") and the
Participant selected to participate in this Plan (the "Participant").

                                  INTRODUCTION

         The Company wishes to attract and retain highly qualified executives.
To further this objective, the Company is willing to divide the death proceeds
of certain life insurance policies, which are owned by the Company on the lives
of the participating executives with the designated beneficiary of each insured
participant executive. The Company will pay life insurance premiums from its
general assets.

                                    Article 1
                               General Definitions

The following terms shall have the meanings specified:

         1.1      "Change of Control" means any of the following:

                  1.1.1    a reorganization, merger, consolidation or sale of
         substantially all of the assets of the Company, or a similar
         transaction in which the Company is not the resulting entity; or

                  1.1.2    individuals who constitute the Incumbent Board (as
         herein defined) of the Company cease for any reason to constitute a
         majority thereof. For these purposes, "Incumbent Board" means the
         members of the Board of Directors of the Company on the effective date
         of the Plan, provided that any person becoming a member of the Board of
         Directors subsequent to such effective date, whose election was
         approved by a vote of at least three-quarters of the members of the
         Board of Directors comprising the Incumbent Board, or whose nomination
         for election by members or stockholders was approved by the same
         nominating committee serving under an Incumbent Board, shall be
         considered as though he were a member of the Incumbent Board.

                                       34
<PAGE>

         1.2      "Compensation Committee" means either the Compensation
Committee designated from time to time by the Company's Board of Directors or a
majority of the Company's Board of Directors, either of which shall hereinafter
be referred to as the Compensation Committee.

         1.3      "Disability" means the Participant's inability to perform
substantially all normal duties of an employee, as determined by the Company's
Board of Directors in its sole discretion. As a condition to any benefits, the
Company may require the Participant to submit to such physical or mental
evaluations and tests as the Board of Directors deems appropriate.

         1.4      "Insured" means the individual whose life is insured.

         1.5      "Insurer" means the insurance company issuing the life
insurance policy on the life of the insured.

         1.6      "Other Group Term Coverage" means group term life insurance
maintained on a Participant's life owned by the Company that is in addition to
the Policies covered under this Plan.

         1.7      "Normal Retirement Age" means age 65.

         1.8      "Normal Retirement Date" means the later of the Normal
Retirement Age or the date that the Participant terminates or is terminated for
any reason other than being Terminated for Cause.

         1.9      "Participant" means the executive who is eligible to
participate in the Plan as determined by the Compensation Committee, elects in
writing to participate in the Plan using the form attached hereto as Exhibit A,
and signs a Split Dollar Endorsement for the Policy in which he or she is the
Insured.

         1.10     "Policy" or "Policies" means the individual insurance policy
(or policies) adopted by the Compensation Committee for purposes of insuring a
Participant's life under this Plan.

         1.11     "Base Annual Salary" means the current base annual salary at
the earliest of (1) the date of the participant's death; (2) the date of the
participant's disability; (3) the participant's retirement age, or the date of
change of control.

         Notwithstanding the forgoing, for participant Donald Stewart, Base
Annual Salary shall mean the highest base annual salary in effect for any year
in the five (5) year period ending on the earliest of (1) the date of the
participant's death; (2) the date of the participant's disability; (3) the date
of the participant's retirement, or (4) the date of a change of control.

         1.12     "Plan" means this instrument, including all amendments
thereto.

         1.13     "Terminated for Cause" means that the Company has terminated
the Participant's employment for any of the following reasons:

                  1.13.1   Gross negligence or gross neglect of duties;

                                       35
<PAGE>

                  1.13.2   Commission of a felony or of a gross misdemeanor
         involving moral turpitude;

                  1.13.3   Fraud, disloyalty, dishonesty or willful violation of
         any law or significant Company policy committed in connection with the
         Participant's employment and resulting in an adverse effect on the
         Company.

                                    Article 2
                                  Participation

         2.1      Eligibility to Participate. The Compensation Committee in its
sole discretion shall designate from time to time Participants that are eligible
to participate in this Plan.

         2.2      Participation. The eligible executive may participate in this
Plan by executing an Election to Participate (Exhibit A) and a Split Dollar
Endorsement (Exhibit D). The Split Dollar Endorsement shall bind the Participant
and his or her beneficiaries, assigns and transferees, to the terms and
conditions of this Plan. An executive's participation is limited to only
Policies where he or she is the Insured. Exhibit B attached hereto sets forth
the a listing of Participants. It is intended that the Participant shall
continue as a Participant until death.

         2.3      Termination of Participation. A Participant's rights under
this Plan shall cease and his or her participation in this Plan shall terminate
if either or both of the following events occur:

                  2.3.1    The Participant's employment with the Company is
         Terminated for Cause; or

                  2.3.2    The Participant's employment with the Company is
         terminated prior to Normal Retirement Age for reasons other than
         Disability.

         In the event the Company decides to maintain the Policy after the
Participant's termination of his or her participation in the Plan, the Company
shall be the direct beneficiary of the entire proceeds of the Policy.

         2.4      Disability. (A) Except as otherwise provided in paragraph (B)
of this section 2.4, if the Participant's employment with the Company is
terminated because of the Participant's Disability, 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 times the Policy shall be subject to the claims
of the Company's creditors.

                  (B) Notwithstanding the provisions of paragraph (A) of this
section 2.4, upon the Disabled Participant's gainful employment with an entity
other than the Company, the Company shall have not further obligation to the
Disabled Participant, and the Disabled Participant's rights pursuant to the Plan
shall cease. In the event the Disabled Participant's rights are terminated
hereunder, the Company shall be the direct beneficiary of the entire death
proceeds of the Policy upon the death of the Disabled Participant.

         2.5      Retirement. Upon the 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 times the Policy shall be subject to

                                       36
<PAGE>

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.

                                    Article 3
                           Policy Ownership/Interests

         3.1      Company Ownership. The Company shall own Policies on each
Participant's life and shall have the right to exercise all incidents of
ownership. The Policies, however, will be held in a Delaware Trust established
and controlled by the Company. With respect to each Policy, the Company shall be
the direct beneficiary of an amount of death proceeds in excess of four times
Base annual Salary prior to retirement, or the Multiple of the Base annual
Salary of the insured/Participant based upon the Vesting Schedule attached
hereto as Exhibit C following retirement.

         3.2      Participant's Interest. With respect to each Policy, the
Participant, or the Participant's assignee, shall have the right to designate
the beneficiary of an amount of death benefit based upon the Plan formula as
described in the Participant's individual Split Dollar Endorsement. The
Participant shall also have the right to elect and change settlement options
with the consent of the Company and the Insurer.

                                    Article 4
                                    Premiums

         4.1      Premium Payment. The Company shall pay all premiums due on all
Policies.

         4.2      Imputed Income. The Company shall impute income to the
Participant in an amount equal to the current term rate for the Participant's
age multiplied by the aggregate death benefit payable to the Participant's
beneficiary. The "current term rate" is the minimum amount required to be
imputed under Revenue Rulings 64-328 and 66-110, or any subsequent applicable
authority.

                                    Article 5
                                   Assignment

Any Participant may assign without consideration all interests in his or her
Policy and in this Plan to any person, entity or trust. In the event a
Participant shall transfer all of his/her interest in the Policy, then all of
that Participant's interest in his or her Policy and in the Plan shall be vested
in his/her transferee, who shall be substituted as a party hereunder, and that
Participant shall have no further interest in his or her Policy or in this Plan.

                                    Article 6
                                     Insurer

The Insurer shall be bound only by the terms of their corresponding Policy. Any
payments the Insurer makes or actions it takes in accordance with a Policy shall
fully discharge it from all claims, suits and demands of all persons relating to
that Policy. The Insurer shall not be bound by the provisions of this Plan. The

                                       37
<PAGE>

Insurer shall have the right to rely on the Company's representations with
regard to any definitions, interpretations, or Policy interests as specified
under this Plan.

                                    Article 7
                                Claims Procedure

         7.1      Claims Procedure. The Company shall notify any person or
entity that makes a claim against this Group Term Replacement Plan (the
"Claimant") in writing, within ninety (90) days of Claimant's written
application for benefits, of Claimant's eligibility or ineligibility for
benefits under this Plan. If the Company determines that Claimant is not
eligible for benefits or full benefits, the notice shall set forth (1) the
specific reasons for such denial, (2) a specific reference to the provisions of
this Plan on which the denial is based, (3) a description of any additional
information or material necessary for the Claimant to perfect Claimant's claim,
and a description of why it is needed, and (4) an explanation of this Plan's
claims review procedure and other appropriate information as to the steps to be
taken if the Claimant wishes to have the claim reviewed. If the Company
determines that there are special circumstances requiring additional time to
make a decision, the Company shall notify the Claimant of the special
circumstances and the date by which a decision is expected to be made, and may
extend the time for up to an additional ninety-day period.

         7.2      Review Procedure. If a Claimant is determined by the Company
not to be eligible for benefits, or if the Claimant believes that Claimant is
entitled to greater or different benefits, the Claimant shall have the
opportunity to have such claim reviewed by the Company by filing a petition for
review with the Company within sixty (60) days after receipt of the notice
issued by the Company. Said petition shall state the specific reasons which the
Claimant believes entitle Claimant to benefits or to greater or different
benefits. Within sixty (60) days after receipt by the Company of the petition,
the Company shall afford the Claimant (and counsel, if any) an opportunity to
present Claimant's position to the Company orally or in writing, and the
Claimant (or counsel) shall have the right to review the pertinent documents.
The Company shall notify the Claimant of its decision in writing within the
sixty-day period, stating specifically the basis of its decision, written in a
manner calculated to be understood by the Claimant and the specific provisions
of this Plan on which the decision is based. If, because of the need for a
hearing, the sixty-day period is not sufficient, the decision may be deferred
for up to another sixty-day period at the election of the Company, but notice of
this deferral shall be given to the Claimant.

                                    Article 8
                           Amendments and Termination

         8.1      Amendment or Termination of Plan. Except as otherwise provided
in sections 2.3, 2.4, 2.5 and 8.2, (i) the Company may amend or terminate the
Plan at any time, and (ii) the Company may amend or terminate a Participant's
rights under the Plan at any time prior to a Participant's death by written
notice to the Participant.

         8.2      Amendment or Termination of Plan Upon Change of Control.
Notwithstanding the provisions of section 8.1, in the event of a Change of
Control, the Company or its successor shall maintain in full force and effect
each Policy that is in existence on the date the Change of Control occurs and
not terminate or otherwise abrogate a Participant's interest in the Policy,
provided, however, that at all times the Policy shall be subject to the claims
of the Company's creditors. This section 8.2 shall apply to all Participants in

                                       38
<PAGE>

the Plan on the date the Change of Control occurs, including by not limited to
(i) a retired Participant who has an interest in the Policy pursuant to section
2.5; (ii) a Disabled Participant who has an interest in the Policy pursuant to
section 2.4; and (iii) a Participant whose employment is terminated as a result
of a Change of Control.

         8.3      Upon Change of Control, all Participants are 100% vested in
the maximum benefit in the Participant's Split Dollar Endorsement (Exhibit D),
at the date of the Change of Control (the greater of 1(i) or 1(ii)).

         8.4      A Participant may, in the Participant's sole and absolute
discretion, waive his or her rights under the Plan at any time. Any waiver
permitted under this section 8.3 shall be in writing and delivered to the Board
of Directors of the Company.

                                    Article 9
                                  Miscellaneous

         9.1      Binding Effect. This Plan in conjunction with each Split
Dollar Endorsement shall bind each Participant and the Company, their
beneficiaries, survivors, executors, administrators and transferees, and any
Policy beneficiary.

         9.2      No Guarantee of Employment. This Plan is not an employment
policy or contract. It does not give a Participant the right to remain an
employee of the Company, nor does it interfere with the Company's right to
discharge a Participant. It also does not require a Participant to remain an
employee nor interfere with a Participant's right to terminate employment at any
time.

         9.3      Applicable Law. The Plan and all rights hereunder shall be
governed by and construed according to the laws of New York, except to the
extent preempted by the laws of the United States of America; provided, however,
that with respect to the Policies owned by the Company or any insurable interest
issues, the laws of Delaware shall govern.

         9.4      Notice. Any notice, consent or demand required or permitted to
be given under the provisions of this Split Dollar Plan by one party to another
shall be in writing, shall be signed by the party giving or making the same, and
may be given either by delivering the same to such other party personally, or by
mailing the same, by United States certified mail, postage prepaid, to such
party, addressed to his/her last known address as shown on the records of the
Company. The date of such mailing shall be deemed the date of such mailed
notice, consent or demand.

         9.5      Entire Agreement. This Plan constitutes the entire agreement
between the Company and the Participant as to the subject matter hereof. No
rights are granted to the Participant by virtue of this Plan other than those
specifically set forth herein.

         9.6      Administration. The Company shall have powers which are
necessary to administer this Plan, including but not limited to:

                  9.6.1    Interpreting the provisions of the Plan;

                                       39
<PAGE>

                  9.6.2    Establishing and revising the method of accounting
         for the Plan;

                  9.6.3    Maintaining a record of benefit payments; and

                  9.6.4    Establishing rules and prescribing any forms
         necessary or desirable to administer the Plan.

         9.7      Named Fiduciary. For purposes of the Employee Retirement
Income Security Act of 1974, if applicable, the Company shall be the named
fiduciary and plan administrator under the Plan. The named fiduciary may
delegate to others certain aspects of the management and operation
responsibilities of the plan including the employment of advisors and the
delegation of ministerial duties to qualified individuals.

         IN WITNESS WHEREOF, the Company executes this Plan as of the date
indicated above.

                                       COMPANY:
                                       Tompkins Trustco, Inc.

                                       By  _____________________________________

                                       Title  __________________________________

                                       40
<PAGE>

EXHIBIT A

                             ELECTION TO PARTICIPATE

         I, _____________________________________________, an eligible
Participant of the Tompkins Trustco, Inc. Group Term Replacement Plan (the
"Plan") dated ___________________, 2005, hereby elect to become a Participant of
the Plan in accordance with Section 2.2 of the Plan. Additionally, I acknowledge
that I have read the Plan document and agree to be bound by its terms.

         Executed this _____________ day of ____________________, 20___.

____________________________________     _______________________________________
Witness                                    Participant

                                       41
<PAGE>

                                    EXHIBIT B

                              LIST OF PARTICIPANTS

                                  Steven Bacon
                                  Paul Banfield
                                  Robert Bantle
                                  Terry Barber
                                Francis Benedict
                                   David Boyce
                                  Samuel Brewer
                                   John Butler
                                  James Byrnes
                                  Edward Dawson
                                 Jeffrey Dobbin
                                  Richard Dolge
                                  Richard Farr
                                  Frank Fetsko
                                  James Fulmer
                                 Stephen Garner
                                Benjamin Herrmann
                                  Stephen Hoyt
                                   Diana Jayne
                                 Joyce Maglione
                                 H. Craig Miller
                                Stephen Patchett
                                  Joseph Perry
                                 Stephen Romaine
                                  Thomas Smith
                                 Donald Stewart
                                 Lawrence Updike
                                   Pamela Wait

                                       42
<PAGE>

                                    EXHIBIT C

                                VESTING SCHEDULE

-----------------------------------------------------------------------------
           Retirement Age                  Multiple of Base Annual Salary
-----------------------------------------------------------------------------
               55-58                                     1
-----------------------------------------------------------------------------
                59                                      1.6
-----------------------------------------------------------------------------
                60                                      2.4
-----------------------------------------------------------------------------
                61                                      3.2
-----------------------------------------------------------------------------
           62 and above                                  4
-----------------------------------------------------------------------------

                                       43
<PAGE>

                                  EXHIBIT D
                                  ---------

                       SPLIT DOLLAR POLICY ENDORSEMENT
                       -------------------------------

Northwestern Mutual                      Insured: __________________

Supplementing and amending the application of TOMPKINS TRUSTCO, INC. on to
Northwestern Mutual, ("Insurer"), the applicant requests and directs that:

                                  BENEFICIARIES
                                  -------------

1.       The beneficiary designated by the Insured, or his/her transferee shall
         be the beneficiary of the lesser of: (i) four (4) times the
         Participant's Base Annual Salary, less all sums as are payable by
         reason of any Group Term Insurance coverage on the life of the
         Participant; or (ii) $____________.

2.       The beneficiary designated by the Insured, who has retired, shall be
         the beneficiary of the lesser of (i) an amount of death benefit
         proceeds based upon the Vesting Schedule attached hereto as Exhibit C,
         less all sums payable by reason of any group term insurance coverage on
         the life of the Participant; or (ii) $___________.

3.       The beneficiary of any remaining death proceeds shall be Tompkins
         Trustco, Inc., a financial services holding company (the "Company").

                                    OWNERSHIP

         4.       The Owner of the policy shall be the Company. The Owner shall
have all ownership rights in the Policy except as may be specifically granted to
the Insured or his/her transferee in paragraph (4) of this endorsement.

         5.       The Insured or his/her transferee shall have the right to
assign all rights and interests in the policy with respect to that portion of
the death proceeds designated in paragraph (1) of this endorsement, and to
exercise all settlement options with respect to such death proceeds.

                                       44
<PAGE>

               MODIFICATION OF ASSIGNMENT PROVISIONS OF THE POLICY
               ---------------------------------------------------

Upon the death of the Insured, the interest of any collateral assignee of the
Owner of the policy designated in (4) above shall be limited to the portion of
the proceeds described in (3) above.

                                OWNERS AUTHORITY
                                ----------------

The Insurer is hereby authorized to recognize the Owner's claim to rights
hereunder without investigating the reason for any action taken by the Owner,
including its statement of the amount of premiums it has paid on the policy. The
signature of the Owner shall be sufficient for the exercise of any rights under
this Endorsement and the receipt of the Owner for any sums received by it shall
be a full discharge and release to the Insurer. Any transferee's rights shall be
subject to this Endorsement.

Signed at _________________, New York, this ____ day of _________________, 20__.

COMPANY
-------

             Tompkins Trustco, Inc.

             By_____________________________________

             Title__________________________________

                                       45
<PAGE>

Acceptance and Beneficiary Designation

         The Insured accepts and agrees to the foregoing and, subject to the
rights of the Owner as stated above, designates

________________________  __________________________ as primary beneficiary, and
   (Name)                       (Relationship)

________________________  __________________________ as secondary beneficiary,
   (Name)                       (Relationship)

of the portion of the proceeds described in (2) above.

Signed at ________________, New York, this ______ day of ________________, 20__.

INSURED
-------

________________________________________

________________________________________
(print name)

                                       46

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