Item 7.01 Regulation FD Disclosure





On March 31, 2020, Tompkins Financial Corporation (the "Company") commenced a
discounted loan program available to non-executive employees who have
encountered increased expenses or decreased income as a result of the COVID-19
pandemic, as well as additional pay for employees whose essential work requires
them to be on-site. The Company plans to issue a press release on April 1, 2020,
announcing this program. A copy of this press release is being furnished as
Exhibit 99.1 to this Report.



The Company's four banking subsidiaries have announced programs available to
provide temporary loan payment forbearance to business and consumer customers
adversely affected by the COVID-19 pandemic and the government's travel/business
restrictions in response thereto, as well as a transition to drive-up and
appointment-only services at all branches. Copies of these announcements are
available on the Company's website
(https://www.tompkinsfinancial.com/about-us/news-feed) or on the appropriate
bank specific website (https://www.bankofcastile.com/news,
https://www.mahopacbank.com/news, https://www.tompkinstrust.com/news,
https://www.vistbank.com/news).



The Company's four banking subsidiaries have also announced fee waiver programs
for consumers and business customers which are designed to ease the adverse
impact of the COVID-19 pandemic, and the government's travel/business
restrictions in response thereto, on these customers. Copies of these
announcements are available on each of our banking subsidiary websites
(https://www.tompkinstrust.com/coronavirus-readiness;https://www.mahopacbank.com/coronavirus-readiness;
https://www.bankofcastile.com/coronavirus-readiness;
https://www.vistbank.com/coronavirus-readiness). Information on our websites is
not incorporated by reference in, and does not constitute part of, this Report.

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