Document:

Exhibit 10.1

35 Wilbur Street Associates, LLC

19 Wilbur Street

Lynbrook, NY 11563

November 1, 2016

Mr. Thomas Wegman

Advance Biofactures Corp.

35 Wilbur Street

Lynbrook, NY 11563

	
Re:

	
Lease dated November 21, 2013 between 35 Wilbur Street Assoc., LLC and Advance Biofactures Corp., premises; 35 Wilbur Street, Lynbrook, NY 11563.

Dear Mr. Wegman:

It is our understanding that you would like to renew the lease.  The current lease expires on November 30, 2016. We propose that the current terms of the lease remain in effect except where the following is concerned:

	
1)

	
The landlord will take occupancy of additional warehouse space in the rear of the building as discussed and agreed.

	
2)

	
The lease will be renewed for 1 (one) year at the rate of $129,082 annually. $10,756.83/ month.

	
3)

	
This will be less 14.89% of the utilities.

	
4)

	
The proposed warehouse space must be delivered to the landlord empty and broom clean.

	
5)

	
The Tenant has the option to cancel this lease, without penalty, by providing the Landlord with three (3) months prior notice at any time during the Term of this lease.

A current copy of the certificate of liability insurance is included.

Sincerely yours,

 

Valorie Mancuso

Controller

 

	
Thomas Wegman, President

	
 

	Richard Arote
	
Advance Biofactures Corp.

	
 

	35 Wilbur Street Assoc., LLC
	 	 	 
	
/S/ Thomas Wegman

	 	
/S/ Richard Arote

 

	
State of New York

	
 

	ss:
	
County of Nassau

	 	 

On this           1st           day of November , 2015, before me personally came,           Thomas Wegman          to me known, who, being by me duly sworn, did say that he is the President of Advance Biofactures Corp. and that he signed his name thereto by authority of the board of directors.

	
/S/ Helen L. PiazzaExhibit 10.1

 

Loan Agreement

 

The Loan Agreement (the “Agreement”) is entered into
as of October 24, 2016 between the following two parties:

 

(1) Action Holdings Financial Limited Taiwan
Branch (the “Lender”)

 

(2) Rich Fountain Limited (the “Borrower”)

 

The Lender and the Borrower will each be referred
to as a “Party” and collectively referred to as the “Parties.”

 

WHEREAS, the Borrower wishes to borrow a short-term
loan from the Lender for its short-term payments and the Lender agrees to provide such loan to the Borrower for such specified
purpose.

 

NOW THEREFORE, the Parties agree as follows:

 

		1.	The Lender agrees to provide the loan at amount NTD 48,000,000 (the “Loan”) to the Borrower and agrees to remit
such Loan to the account designated by the Borrower within 1 week of the effective date of this Agreement.

 

		2.	Term for the Loan shall be from October 24, 2016 to April 23, 2017 (the “Term”) with a fixed interest rate at 4.5%.
The principal amount of the Loan together with the accrued interest shall be paid in one lump sum before April 23, 2017.

 

IN WITNESS WHEREOF, the Parties have duly executed this
Agreement, or have caused this Agreement to be duly executed on their behalf, as of the date first hereinabove set forth.

 

Lender: Action Holdings Financial Limited Taiwan Branch

 

Borrower: Rich Fountain LimitedExhibit 10.2

 

SUPPLEMENTARY AGREEMENT TO ENGAGEMENT AGREEMENT

 

This supplementary agreement
to Engagement Agreement (this “Supplementary Agreement”), dated May 14th, 2016 is entered into by
and among LAW Insurance Broker Co., Ltd., (the “Party A”) and Hui-Hsien Chao (the “Party B”) .

 

Party A and Party B are
collectively referred to as the “Parties” and each a “Party” under this Supplementary Agreement.

 

WHEREAS, the Parties
entered into the Engagement Agreement on May 10th, 2016 (the “2016 Chao Agreement”), pursuant to which, Articles 4
set forth that Party B is going provide operating and managing insurance agency service to the Party B and Party A agrees to pay
execution bonus, long stay bonus, retirement pension and non-compete compensation.

 

NOW, THEREFORE, in consideration
of the mutual covenants and undertakings contained herein and for other good and valuable consideration, the receipt and sufficiency
of which are hereby acknowledged, and subject to and on the terms and conditions set forth herein, the Parties hereto agree as
follows:

 

The Article 4 of the
2016 Chao Agreement shall not be effective until December 29, 2016.

 

Except amended by this
Supplementary Agreement, any other provision of the 2016 Chao Agreement shall remain unchanged. This Supplementary Agreement together
with the 2016 Chao Agreement and any subsequent amendment shall constitute the entire agreement among the Parties with respect
to the subject matter of the Agreement and shall supersede all previous communications of the Parties in respect of the subject
matter of the Agreement.

  

IN WITNESS WHEREOF the
Parties hereto have executed this Supplementary Agreement as of the day and year first above written.

 

	
        Party A: LAW Insurance Broker Co., Ltd.

        legal representative or principal (sealed by):

         
	Party B (Sealed by): Hui-Hsien Chao,
	Date:  May 14th, 2016	Date:  May 14th, 2016Tompkins Financial Corporation 10-Q 

 

Exhibit 10.1

 

SUPPLEMENTAL EXECUTIVE RETIREMENT AGREEMENT

 

This Supplemental Executive Retirement Agreement
(the “Agreement”) is entered into effective November 9, 2016 by Tompkins Financial Corporation, with offices
at 110 The Commons, Ithaca, New York 14851, and ___________________________, residing at ___________________________________ (the “Executive”).

 

PREAMBLE

 

The principal objective of this Agreement
is to provide a supplemental retirement benefit due to the freezing of the Tompkins Financial Corporation Retirement Plan (“Retirement
Plan”) for those executives who affirmatively waive participation in the 2015 Tompkins Financial Corporation 2015 Defined
Contribution Plan (the “Defined Contribution Plan”). The Executive expressly acknowledges that his execution
of this Agreement constitutes good and valuable consideration for waiving participation under the Defined Contribution Plan.

 

SECTION 1.

DEFINITIONS

 

1.1           
“Board of Directors” means the Board of Directors of Tompkins Financial Corporation.

 

1.2           
“Committee” means the Compensation Committee of the Board of Directors, which has been given authority
by the Board of Directors to administer this Agreement.

 

1.3           
“Company” means Tompkins Financial Corporation.

 

1.4           
“Determination Date” means the first payment date of the benefit under this Agreement.

 

1.5           
“Retirement Benefit Freeze” has the meaning set forth in Section 2.1.

 

1.6           
“Separation from Service” means the Executive’s termination of active employment, whether voluntary
or involuntary, other than by death or leave of absence with the Company or affiliate(s), within the meaning of Section 409A(a)(2)(A)(i)
of the Internal Revenue Code of 1986, as amended (“Code”), and the treasury regulations thereto, as they may
be amended from time to time.

 

1.7           
“Surviving Spouse” means the spouse of the Executive, if any, named at or prior to his Separation from
Service on his ‘Form of Benefit and Beneficiary Designation Form’, surviving on the date of death of the Executive;
provided, however, that if the Executive, as of the date of Executive’s death, is no longer married to the person so designated,
then such person is not a Surviving Spouse for purposes of this Agreement.

 

The masculine gender, where appearing
in this Agreement, will be deemed to include the feminine gender, and the singular may include the plural, unless the context
clearly indicates the contrary. For purposes of complying with Section 409A of the Code, it is acknowledged that no benefit
payments may be made under this Agreement prior to the Executive’s termination of employment with the Company, that the
payment of benefits pursuant to this Agreement may not be accelerated by the Company or the Executive, and that there are no
elections provided under the Agreement to defer compensation or to delay a payment of benefits.

 

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SECTION 2.

ELIGIBILITY FOR BENEFITS

 

2.1           
Eligibility. The Board of Directors may determine, in its sole discretion, that the Executive should cease to continue
accruing retirement benefits under this Agreement (a “Retirement Benefit Freeze”) and in such event the Board
of Directors shall notify the Executive in writing of such determination. Such determination shall not reduce the then accrued
retirement benefit of the Executive under this Agreement, as follows.

 

SECTION 3.

AMOUNT AND FORM OF RETIREMENT BENEFIT

 

3.1           
Retirement Benefit. The monthly retirement benefit amount payable by the Company under this Agreement shall equal
(a) the hypothetical monthly benefit, in the form of benefit elected under this Agreement, payable on the Determination Date under
the Retirement Plan as if it had not been frozen effective July 31, 2015, less (b) the monthly Retirement Plan benefit, in the
form of benefit elected under this Agreement, payable as of the Determination Date and less (c) the monthly annuity derived from
the 2015 plan year contribution to the Defined Contribution Plan payable on the Determination Date, using generally accepted actuarial
principles based on the elected form of benefit under this Agreement, and assuming no investment return on the 2015 contribution.

 

The monthly benefit payable hereunder shall
be paid, pursuant to the Executive’s election, from among the forms of benefit available under the Retirement Plan upon the
later of age 55 and a Separation from Service. The Executive’s election shall be made in writing upon execution of this Plan
document. In the event that the Executive has elected a joint and survivor form of benefit under this Agreement and there is no
spouse on the Determination Date, the elected form of benefit shall be payable in a single life annuity. If the form of benefit
payable provides for a monthly annuity payment, such monthly benefit shall be payable by the Company on the first day of each calendar
month beginning with the first day of the calendar month following the Executive’s Separation from Service through and including
the month of the Executive’s death. Any lump sum payment shall be payable within ninety (90) days following the Executive’s
Separation from Service. In the event the Executive is determined to be a “specified employee” as such term is defined
in Treasury Regulations §1.409A-1(i), 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; provided, however, that such
delay is only required for benefits constituting nonqualified deferred compensation under Code Section 409A, and the delay will
apply only to those benefits that are not exempt from Code Section 409A. Any such delayed payments shall be accumulated and paid
in a lump sum and payments thereafter will be made as scheduled in accordance with this Section 3.1.

 

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3.2           
Death Benefit.

 

  (a)            
Upon the death of the Executive prior to a Separation from Service, the Executive’s Surviving Spouse, if any, shall
be entitled to a monthly death benefit amount payable by the Company under this Agreement equal to (a) the hypothetical monthly
death benefit payable to the Surviving Spouse on the Determination Date under the Retirement Plan as if it had not been frozen
effective July 31, 2015, less (b) the monthly death benefit payable to the Surviving Spouse as of the Determination Date and less
(c) the monthly life annuity, based on the life of the Surviving Spouse, derived from the 2015 plan year contribution to the Defined
Contribution Plan payable on the Determination Date, using generally accepted actuarial principles and assuming no investment return
on the 2015 contribution.

 

  (b)           
Upon the death of an Executive on or after Separation from Service the benefit payable to the beneficiary shall be based
on the form of elected benefit under this Agreement.

 

SECTION 4.

MISCELLANEOUS

 

4.1           
Termination and Amendment. The Committee may, in its sole discretion suspend or amend this Agreement at any time
or from time to time, in whole or in part; provided, however, that no suspension or amendment of this Agreement will, without the
written consent of the Executive or the Surviving Spouse (if the Executive is not then living), reduce the Executive’s right
or the right of the Surviving Spouse to receive or continue receiving a benefit accrued at the time of the suspension or amendment
in accordance with this Agreement. The Parties agree that a Retirement Benefit Freeze, as described in Section 2.1, shall not be
deemed a reduction of rights requiring consent hereunder. A suspension of this Agreement shall not result in the acceleration of
any benefit provided pursuant to this Agreement except as permitted in connection with a plan termination satisfying the conditions
set forth in Treasury Regulations §1.409A-3(j)(ix), where the Committee decides to accelerate such benefit in accordance with
the requirements of such regulation.

 

4.2           
No Employment Agreement. Nothing contained herein will confer upon the Executive the right to be retained in the
service of the Company or its subsidiaries, nor will it interfere with the right of the Company or its subsidiaries to discharge
or otherwise deal with the Executive without regard to the existence of this Agreement.

 

4.3           
Unfunded Arrangement. The benefits under this Agreement are unfunded, and the Company will make benefit payments
solely on a current disbursement basis from the Company’s general assets. Notwithstanding anything herein to the contrary,
the Executive, and the Executive’s Surviving Spouse, if any, shall have the status of general unsecured creditors of the
Company.

 

4.4           
Assignment. To the maximum extent permitted by law, no benefit under this Agreement shall be assignable or made subject
by Executive in any manner to alienation, sale, transfer, claims of Executor’s creditors, pledge, attachment or encumbrances
of any kind.

 

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4.5           
Rules. The Committee may adopt rules and regulations to assist it in the administration of this Agreement. This Agreement
shall be administered and construed entirely in the discretion of the Committee and the Board of Directors, as applicable.

 

4.6           
Information. The Executive shall receive a copy of this Agreement and the Committee will make available for inspection
by the Executive a copy of any rules and regulations used by the Committee in administering this Agreement.

 

4.7           
Controlling Law. This Agreement is established under and will be construed according to the laws of the State of
New York, without regard for principles of conflicts of law. Notwithstanding the foregoing, this Agreement shall be construed consistent
with the requirements of Code §409A, the regulations promulgated thereunder and other official guidance relating thereto such
that the operation or terms of this Agreement do not result in the inclusion in income of any amount under such Code provision.
For purposes of this Agreement, any term hereunder relating to the Executive’s termination of employment, the Executive terminating
employment, the Executive being terminated or similar expression shall be deemed to refer to a separation from service, as defined
in Treasury Regulations §1.409A-1(h). If an amount is to be paid under this Agreement in two or more installments, each installment
shall be treated as a separate payment for purposes of Code Section 409A.

 

4.8           
Legal Expenses. The Company shall pay, upon request and documentation thereof (and not later than ninety (90) days
after receipt of such request and documentation), all reasonable legal fees and expenses which the Executive/Surviving Spouse may
incur as a result of the Company contesting the validity or enforceability of any provision of this Agreement or any claim by the
Executive/Surviving Spouse under this Agreement; provided, however, that such request is made and supporting documentation provided
to the Company by the Executive/Surviving Spouse within ninety (90) days after incurring the expense, and provided further, the
Company shall be entitled to be reimbursed by the Executive for such amount previously paid to such Executive if it is finally
judicially determined that such Executive’s claims under this Agreement are frivolous.

 

4.9           
Waiver of DC Plan Participation. The undersigned executive affirmatively and irrevocably waives all future participation
in the Defined Contribution Plan (as the same may be amended, supplemented, restated or replaced from time to time, and including
any successor plan(s) thereto), including without limitation participation during all of fiscal 2016. Executive expressly acknowledges
and agrees that his execution of this Agreement constitutes good and valuable consideration for waiving participation under the
Defined Contribution Plan as set forth above, and that his receipt of this Agreement is expressly conditioned upon such waiver.

 

[Signature Page Immediately
Follows.]

 

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IN WITNESS WHEREOF, this Agreement has been
executed this 9th day of November, 2016.

  

	 	TOMPKINS FINANCIAL CORPORATION

 

	ATTEST:		 	By:	 	 
	 	 	 	 	 
	 	 	 	Name:
	 	 	 	 	 
	 	 	 	Title:
	 	 	 	 	 
	ATTEST: 		 	 	 
	 	 	 	 	(Executive)
	 	 	 	 	 
	 	 	 	Name: 	 

 

 

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SUPPLEMENTAL EXECUTIVE RETIREMENT AGREEMENT 

Form of Benefit and Beneficiary Designation
Form

 

As an Executive participating in a Supplemental
Executive Retirement Agreement with Tompkins Financial Corporation, I hereby elect the following form of benefit payment for retirement
benefits due pursuant to this Agreement. (Please initial your selection.)

  

		_____	Single Life Annuity (100% benefit
payable for my lifetime).

 

		_____	50% Joint & Survivor Benefit (Actuarially reduced benefit, payable for the lifetime of the Executive and a benefit equal
to 50% of that benefit to a Surviving Spouse for her lifetime).

 

		_____	75% Joint & Survivor Benefit (Actuarially reduced benefit, payable for the lifetime of the Executive and a benefit equal
to 75% of that benefit to a Surviving Spouse for her lifetime).

 

		_____	100% Joint & Survivor Benefit (Actuarially reduced benefit, payable for the lifetime of the Executive and a benefit equal
to 100% of that benefit to a Surviving Spouse for her lifetime).

 

		_____	Single Life Annuity with the first five years of payment guaranteed.

 

		_____	Lump Sum.

 

As an Executive participating in a Supplemental
Executive Retirement Agreement with Tompkins Financial Corporation, I hereby designate the following beneficiary to receive my
death benefits due under the Agreement. [If you have elected any of the Joint & Survivor Benefits above, the below-named beneficiary
may only be your spouse.] I understand that my spouse must sign this form if I choose the Single Life Annuity, Single
Life Annuity with the first five years of payment guaranteed or Lump Sum. If I have elected Single Life Annuity with the first
five years of payment guaranteed or Lump Sum, then in the event that the following beneficiary predeceases me, I hereby designate
the person(s) listed as my contingent beneficiary(ies) under the Company’s Investment & Stock Ownership Plan to receive
my death benefits due under the Agreement.

 

Beneficiary Name: _________________________________________________________________________________

 

Relationship to Executive: ___________________________________________________________________________

 

Social Security Number: _____________________________________________________________________________

 

Date of Birth: _____________________________________________________________________________________

 

Home Address: ___________________________________________________________________________________

 

Executive’s Signature: ______________________________________________________________________________

 

Witness’ Signature:________________________________________________________________________________

 

Spouse’s Signature (if waiving right to benefits):__________________________________________________________

 

Date: ___________________________________________________________________________________________

 

Witness’ Signature:________________________________________________________________________________

 

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