<SEC-DOCUMENT>0001174947-15-000090.txt : 20150127
<SEC-HEADER>0001174947-15-000090.hdr.sgml : 20150127
<ACCEPTANCE-DATETIME>20150127120611
ACCESSION NUMBER:		0001174947-15-000090
CONFORMED SUBMISSION TYPE:	S-8
PUBLIC DOCUMENT COUNT:		11
FILED AS OF DATE:		20150127
DATE AS OF CHANGE:		20150127
EFFECTIVENESS DATE:		20150127

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			CHEMUNG FINANCIAL CORP
		CENTRAL INDEX KEY:			0000763563
		STANDARD INDUSTRIAL CLASSIFICATION:	STATE COMMERCIAL BANKS [6022]
		IRS NUMBER:				161237038
		STATE OF INCORPORATION:			NY
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		S-8
		SEC ACT:		1933 Act
		SEC FILE NUMBER:	333-201715
		FILM NUMBER:		15550850

	BUSINESS ADDRESS:	
		STREET 1:		ONE CHEMUNG CANAL PLZ
		STREET 2:		P O BOX 1522
		CITY:			ELMIRA
		STATE:			NY
		ZIP:			14902
		BUSINESS PHONE:		6077373711

	MAIL ADDRESS:	
		STREET 1:		ONE CHEMUNG CANAL PLZ
		STREET 2:		P O BOX 1522
		CITY:			ELMIRA
		STATE:			NY
		ZIP:			14902
</SEC-HEADER>
<DOCUMENT>
<TYPE>S-8
<SEQUENCE>1
<FILENAME>s8-13045_chemung.htm
<DESCRIPTION>S-8
<TEXT>
<HTML>
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<P STYLE="margin: 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>UNITED STATES</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>SECURITIES AND EXCHANGE COMMISSION</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>Washington, D.C. 20549</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>FORM S-8</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>REGISTRATION STATEMENT</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>UNDER</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>THE SECURITIES ACT OF 1933</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>CHEMUNG FINANCIAL CORPORATION</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">(Exact Name of Registrant as Specified in its
Charter)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<tr>
    <TD STYLE="width: 40%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><b>New York</b></td>
    <TD STYLE="vertical-align: top; width: 20%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">&nbsp;</td>
    <TD STYLE="width: 40%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><b>16-123703-8</b></td></tr>
<tr>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">(State or Other Jurisdiction of <br>
Incorporation or Organization)</td>
    <TD STYLE="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">&nbsp;</td>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">(I.R.S. Employer Identification No.)</td></tr>
</table>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>One Chemung Canal Plaza</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>P. O. Box 1522</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>Elmira, New York 14902</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>(607) 737-3711 </B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">(Address of Principal Executive Offices)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>Chemung Financial Corporation 2014 Omnibus
Plan</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>(with Component Plans)</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">(Full Title of the Plan)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>Copies to:</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<table cellspacing="0" cellpadding="0" style="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<tr>
    <td style="width: 50%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><b>Ronald M. Bentley</b></td>
    <td style="width: 50%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><b>Clifford S. Weber, Esq.</b></td></tr>
<tr>
    <td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">President and Chief Executive Officer</td>
    <td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">Hinman, Howard &amp; Kattell, LLP</td></tr>
<tr>
    <td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">Chemung Financial Corporation</td>
    <td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">106 Corporate Park Drive-Suite 317</td></tr>
<tr>
    <td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">One Chemung Canal Plaza</td>
    <td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">White Plains, New York 10604</td></tr>
<tr>
    <td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">P. O. Box 1522</td>
    <td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">(914) 694-4102</td></tr>
<tr>
    <td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">Elmira, New York 14902</td>
    <td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">&nbsp;</td></tr>
<tr>
    <td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><b>(</b>607) 737-3711<b> </b></td>
    <td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">&nbsp;</td></tr>
</table>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">Indicate by check
mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, or a smaller reporting
company. See the definitions of &ldquo;large accelerated filer,&rdquo; &ldquo;accelerated filer&rdquo; and &ldquo;smaller reporting
company&rdquo; in Rule 12b-2 of the Securities Exchange Act of 1934, as amended. (Check one):</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<table cellspacing="0" cellpadding="0" style="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<tr style="vertical-align: top">
    <td style="width: 25%; padding-right: 5.4pt; padding-left: 5.4pt">Large accelerated filer o</td>
    <td style="width: 19%; padding-right: 5.4pt; padding-left: 5.4pt">Accelerated filer x</td>
    <td style="width: 23%; padding-right: 5.4pt; padding-left: 5.4pt">Non-accelerated filer o</td>
    <td style="width: 33%; padding-right: 5.4pt; padding-left: 5.4pt">Smaller reporting company o</td></tr>
</table>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">(Do not check if a smaller reporting company)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"></P>

<P STYLE="font: small-caps bold 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: center">CALCULATION OF REGISTRATION
FEE</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font-weight: bold; text-align: center; border-top: Black 2.56pt double; vertical-align: top">Title of Securities to be Registered</TD><TD STYLE="font-weight: bold; border-top: Black 2.56pt double; text-align: center; vertical-align: top">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font-weight: bold; text-align: center; border-top: Black 2.56pt double; vertical-align: top">Amount to be<BR>
 Registered(1)(2)</TD><TD STYLE="font-weight: bold; border-top: Black 2.56pt double; text-align: center; vertical-align: top">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font-weight: bold; text-align: center; border-top: Black 2.56pt double; vertical-align: top">Proposed <BR>
Maximum <BR>
Offering Price <BR>
Per Share(3)</TD><TD STYLE="font-weight: bold; border-top: Black 2.56pt double; text-align: center; vertical-align: top">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font-weight: bold; text-align: center; border-top: Black 2.56pt double; vertical-align: top">Proposed <BR>
Maximum <BR>
Aggregate <BR>
Offering Price (3)</TD><TD STYLE="font-weight: bold; border-top: Black 2.56pt double; text-align: center; vertical-align: top">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font-weight: bold; text-align: center; border-top: Black 2.56pt double; vertical-align: top">Amount of <BR>
Registration <BR>
Fee</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="width: 48%; padding-left: 5.4pt">Common stock, par value $0.01 per share</TD><TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 10%; text-align: right">450,000</TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">$</TD><TD STYLE="width: 10%; text-align: right">28.21</TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">$</TD><TD STYLE="width: 10%; text-align: right">12,694,500</TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">$</TD><TD STYLE="width: 10%; text-align: right">1,475.10</TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="border-bottom: Black 1pt solid; padding-left: 5.4pt">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-weight: bold; border-bottom: Black 2.5pt double; padding-left: 5.4pt">TOTAL</TD><TD STYLE="font-weight: bold; border-bottom: Black 2.5pt double">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 2.5pt double; font-weight: bold; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 2.5pt double; font-weight: bold; text-align: right">450,000</TD><TD STYLE="border-bottom: Black 2.5pt double; font-weight: bold; text-align: left">&nbsp;</TD><TD STYLE="font-weight: bold; border-bottom: Black 2.5pt double">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 2.5pt double; font-weight: bold; text-align: left">$</TD><TD STYLE="border-bottom: Black 2.5pt double; font-weight: bold; text-align: right">28.21</TD><TD STYLE="border-bottom: Black 2.5pt double; font-weight: bold; text-align: left">&nbsp;</TD><TD STYLE="font-weight: bold; border-bottom: Black 2.5pt double">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 2.5pt double; font-weight: bold; text-align: left">$</TD><TD STYLE="border-bottom: Black 2.5pt double; font-weight: bold; text-align: right">12,694,500</TD><TD STYLE="border-bottom: Black 2.5pt double; font-weight: bold; text-align: left">&nbsp;</TD><TD STYLE="font-weight: bold; border-bottom: Black 2.5pt double">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 2.5pt double; font-weight: bold; text-align: left">$</TD><TD STYLE="border-bottom: Black 2.5pt double; font-weight: bold; text-align: right">1,475.10</TD><TD STYLE="border-bottom: Black 2.5pt double; font-weight: bold; text-align: left">&nbsp;</TD></TR>
</TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 3pt; text-align: justify">(1)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;This Registration Statement (the
&ldquo;Registration Statement&rdquo;) registers the issuance of 450,000 shares of common stock of Chemung Financial Corporation
(the &ldquo;Registrant&rdquo;), par value $0.01 (the &ldquo;Common Stock&rdquo;), which is the aggregate number of shares of Common
Stock issuable pursuant to the component plans of the Chemung Financial Corporation 2014 Omnibus Plan (the &ldquo;Omnibus Plan&rdquo;)
as follows: 150,000 shares of Common Stock, which are issuable pursuant to the Chemung Financial Corporation Restricted Stock Plan,
100,000 shares of Common Stock, which are issuable pursuant to the Chemung Financial Corporation Incentive Compensation Plan, and
200,000 shares of Common Stock, which are issuable pursuant to the Chemung Financial Corporation Directors&rsquo; Compensation
Plan (collectively, and together with the Directors&rsquo; Deferred Fee Plan, described below, the &ldquo;Component Plans&rdquo;)
together with an indeterminate number of additional shares that may be necessary to adjust the number of shares reserved for issuance
pursuant to the Component Plans as a result of any future stock split, stock dividend or similar adjustment of the outstanding
Common Stock pursuant to Rule 416(b) under the Securities Act of 1933, as amended (the &ldquo;Securities Act&rdquo;). This Registration
Statement also registers the issuance of an indeterminate number of shares of Common Stock pursuant to the deferred fee elections
of individual directors participating in the Chemung Financial Corporation/Chemung Canal Trust Company Amended and Restated Directors&rsquo;
Deferred Fee Plan (the &ldquo;Directors Deferred Fee Plan&rdquo;), further described in Item 4 of Part II of this Registration
Statement. The Omnibus Plan and each Component Plan thereunder are included in Exhibit 4 to this Registration Statement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 3pt; text-align: justify">(2)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Pursuant to Rule 416(c) of the
Securities Act, this Registration Statement shall be deemed to cover an indeterminate number of additional shares to be offered
or sold pursuant to the Component Plans described herein.&#9;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 3pt; text-align: justify">(3)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Estimated solely for purpose of
calculating the registration fee in accordance with Rule 457 of the Securities Act pursuant to which 450,000 shares of Common Stock
are deemed to be offered at $28.21.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">This Registration Statement shall become effective upon filing in
accordance with Section 8(a) of the Securities Act of 1933 and Rule 462 thereunder.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>


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<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 0.5in">Part I</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt">Items 1 and 2. Plan Information and Registrant Information
and Employee Plan Annual Information</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">The document(s)
containing the information specified in Part I of Form S-8 will be sent or given to participants in the Component Plans as specified
by Rule 428(b)(1) of the Securities Act.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">Such documents are
not being filed with the Securities and Exchange Commission (the &ldquo;Commission&rdquo;), but constitute (along with the documents
incorporated by reference into this Registration Statement pursuant to Item 3 of Part II hereof) a prospectus that meets the requirements
of Section 10(a) of the Securities Act.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">The Registrant will
furnish without charge to each person to whom the prospectus is delivered, upon the written or oral request of such person, a copy
of any and all of the documents incorporated by reference, other than exhibits to such documents (unless such exhibits are specifically
incorporated by reference to the information that is incorporated). Requests should be directed to Chemung Financial Corporation,
Ms. Kathy McKillip, One Chemung Canal Plaza, P.O. Box 1522, Elmira, NY 14902.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><B>Part II</B></P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt">Item 3. Incorporation of Documents by Reference</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">The following documents
previously or concurrently filed with the Commission are hereby incorporated by reference in this Registration Statement:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Registrant&rsquo;s
Annual Report on Form 10-K for the fiscal year ended December 31, 2013 (File&nbsp;No. 0-13888), filed with the Commission on March
14, 2014 pursuant to Section 13(a) of the Securities Exchange Act of 1934, as amended (the &ldquo;Exchange Act&rdquo;);</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;All other
reports filed by the Registrant pursuant to Section 13(a) or 15(d) of the Exchange Act since the end of the fiscal year covered
by the Annual Report on Form 10-K referred to in (a) above; and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The description
of the Registrant&rsquo;s Common Stock contained in the Registrant&rsquo;s registration statement on Form&nbsp;8-A filed on September&nbsp;30,
1985 under Section&nbsp;12 of the Exchange Act, which incorporates the description of the Registrant&rsquo;s Common Stock contained
in the registration statement on Form&nbsp;S-14 filed with the Commission on February&nbsp;11, 1985.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">All documents subsequently
filed by the Registrant with the Commission pursuant to Sections 13(a), 13(c), 14, or 15(d) of the Exchange Act, after the date
hereof, and prior to the filing of a post-effective amendment which indicates that all securities offered hereby have been sold
or which deregisters all securities then remaining unsold, shall be deemed incorporated by reference into this Registration Statement
and to be a part thereof from the date of the filing of such documents. Any statement contained in the documents incorporated,
or deemed to be incorporated, by reference herein or therein shall be deemed to be modified or superseded for purposes of this
Registration Statement and the prospectus to the extent that a statement contained herein or therein or in any other subsequently
filed document which also is, or is deemed to be, incorporated by reference herein or therein modifies or supersedes such statement.
Any such statement so modified or superseded shall not be deemed, except as so modified or superseded, to constitute a part of
this Registration Statement and the prospectus.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">All information
appearing in this Registration Statement and the prospectus is qualified in its entirety by the detailed information, including
financial statements, appearing in the documents incorporated herein or therein by reference.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify"></P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt">Item 4. Description of Securities</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">The Directors&rsquo; Deferred
Fee Plan allows non-employee directors of each of Chemung Financial Corporation and Chemung Canal Trust Company (the &ldquo;Bank&rdquo;)
to elect to defer receipt of fees payable to the director for service as a member of the board of directors of each Chemung Financial
Corporation and the Bank, pursuant to the Chemung Financial Corporation Directors&rsquo; Compensation Plan. At the election of
a director, the deferred fees are converted into units and allocated to a unit value account, which appreciates or depreciates,
as would an actual share of Common Stock. A director&rsquo;s unit value account is credited with declared dividends pursuant to
a formula described in the Directors&rsquo; Deferred Fee Plan. The units are not registered under Section 12 of the Exchange Act.
The units are paid to the director in the form of Common Stock, which is not described in this Item 4 as the Common Stock is registered
pursuant to Section 12 of the Exchange Act. The Common Stock payable under the Directors&rsquo; Deferred Fee Plan is paid to the
director either at a specified age or time elected by the director, at the termination of the director&rsquo;s service with the
Registrant and/or the Bank, or upon the occurrence of a change in control as defined in the Directors&rsquo; Deferred Fee Plan.
The right to receive shares of Common Stock under the Directors&rsquo; Deferred Fee Plan will not vest in the director until actual
payment thereof is made by the Registrant. The number of shares of Common Stock payable to a director with a unit value account
under the Plan represents at all times the general unfunded obligation of the Bank, and each director participating in the Deferred
Fee Plan will be a general creditor of the Bank with respect to the value of his or her unit value account.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt">Item 5. Interests of Named Experts and Counsel</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">None.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt">Item 6. Indemnification of Directors and Officers</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 3pt 0 3pt 0.25in"><U>New York Business Corporation Law</U></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 3pt 0 3pt 0.25in; text-align: justify; text-indent: 0.5in">As authorized
by Section&nbsp;722 of the New York Business Corporation Law, the Registrant may indemnify its directors and officers against judgments,
fines, amounts paid in settlement and reasonable expenses, including attorneys&rsquo; fees actually and necessarily incurred as
a result of such action or proceeding, or any appeal therein, if such director or officer acted in good faith, for a purpose which
he reasonably believed to be in, or, in the case of service for another corporation or any partnership, joint venture, trust, employee
benefit plan or other enterprise, not opposed to, the best interests of the corporation and, in criminal actions or proceedings,
in addition, had not reasonable cause to believe his conduct was unlawful. If the legal proceeding, however, is by or in the right
of the Registrant, the director or officer may not be indemnified in respect of (1)&nbsp;a threatened action, or a pending action
which is settled or otherwise disposed of, or (2)&nbsp;any claim, issue or matter as to which he shall have been adjudged to be
liable to the Registrant unless and only to the extent that, the court in which the action was brought, or if not action was brought,
any court of competent jurisdiction, determines that, in view of all the circumstances of the case, the director or officer is
fairly and reasonably entitled to indemnity for such portion of the settlement amount and expenses as the court deems proper.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 3pt 0 3pt 0.25in; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 3pt 0 3pt 0.25in; text-align: justify"><U>Certificate of Incorporation</U></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 3pt 0 3pt 0.25in; text-align: justify; text-indent: 0.5in">Article
9 of the Registrant&rsquo;s Certificate of Incorporation provides that the Registrant shall indemnify its directors and officers,
to the fullest extent permitted by law, against all liabilities and expenses they reasonably incur in any action or proceeding
to which they may become a party by virtue of being a director or officer of the Registrant or another company for which such persons
served as a director or officer at the Registrant&rsquo;s request.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 3pt 0 3pt 0.25in; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 3pt 0 3pt 0.25in; text-align: justify"><U>Bylaws</U></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 6pt 0.25in; text-align: justify; text-indent: 0.5in">Article XI
of the Registrant&rsquo;s Bylaws provides that the Registrant shall, to the fullest extent permitted by applicable law, as amended
from time to time, indemnify each person made or threatened to be made a party to any action or proceeding, whether civil, criminal,
administrative or investigative (a &quot;Proceeding&quot;) by reason of the fact that such person, such person's testator or intestate,
is or was a director or officer of the Registrant, or, while a director or officer, serves or served, at the request of the Registrant,
any other Registrant, partnership, joint venture, trust, employee benefit plan or other enterprise in any capacity, against judgments,
fines, penalties, amounts paid in settlement and reasonable expenses (including attorneys' fees, costs and charges) incurred in
connection with such threatened or pending Proceeding, or any appeal thereof; provided, however, that no such indemnification shall
be made if a judgment or other final adjudication adverse to such person establishes that (i) his or her acts were committed in
bad faith or were the result of active and deliberate dishonesty and were material to the cause of action so adjudicated, or (ii)
he or she personally gained, in fact, a financial profit or other advantage to which he or she was not legally entitled, and provided
further that no such indemnification shall be required with respect to any settlement or other non-adjudicated disposition of any
threatened or pending Proceeding unless the Registrant has given its prior written consent to such settlement or other disposition.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 6pt 0.25in; text-align: justify"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 3pt 0 6pt 0.25in; text-align: justify; text-indent: 0.5in">Article
XI provides further that the Registrant shall, from time to time, advance or promptly reimburse upon request, to any director or
officer seeking indemnification hereunder the funds necessary for payment of expenses (including attorneys' fees, costs and charges),
reasonably incurred in connection with any threatened or pending proceeding and in advance of the final disposition thereof, upon
receipt of a written undertaking by or on behalf of such person to repay such amount if such person is ultimately found not to
be entitled to indemnification, or, where indemnification is granted, to the extent the expenses so advanced or reimbursed exceed
the amount to which such person is entitled.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 3pt 0 6pt 0.25in; text-align: justify; text-indent: 0.5in">The right
to indemnification and payment of expenses set forth in Article XI is in addition to and exclusive of any such rights arising under
any statute, rule, regulation, certificate of incorporation, bylaw, resolution of directors or shareholders, insurance policy,
contract or otherwise.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 3pt 0 6pt 0.25in; text-align: justify; text-indent: 0.5in">As authorized
in Article XI, the Registrant has a policy of liability insurance covering its directors and officers, the effect of which is to
reimburse the directors and officers of the Registrant against certain damages and expenses resulting from certain claims made
against them caused by their negligent act, error or omission.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 3pt 0 3pt 0.25in; text-align: justify; text-indent: 0.5in">The foregoing
is a summary and is qualified by reference to the Registrant&rsquo;s Certificate of Incorporation and Bylaws included as Exhibits
hereto.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 3pt 0 3pt 0.25in; text-align: justify">&nbsp;</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt">Item 7. Exemption From Registration Claimed.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">Not applicable.</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt">Item 8. List of Exhibits.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">See Exhibit Index</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt">Item 9. Undertakings</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">The undersigned
registrant hereby undertakes:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">1.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;To file, during
any period in which offers or sales are being made, a post-effective amendment to the Registration Statement to include any material
information with respect to the plan of distribution not previously disclosed in the Registration Statement or any material change
to such information in the Registration Statement;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">2.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;That, for
the purpose of determining any liability under the Securities Act of 1933, each such post-effective amendment shall be deemed to
be a new registration statement relating to the securities offered therein, and the offering of such securities at that time shall
be deemed to be the initial bona fide offering thereof;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">3.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;To remove
from registration by means of a post-effective amendment any of the securities being registered which remain unsold at the termination
of the offering;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">4.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;That, for
purposes of determining any liability under the Securities Act of 1933, each filing of the registrant&rsquo;s annual report pursuant
to Section 13(a) or 15(d) of the Securities Exchange Act of 1934 that is incorporated by reference in the Registration Statement
shall be deemed to be a new registration statement relating to the securities offered therein, and the offering of such securities
at that time shall be deemed to be the initial bona fide offering thereof; and</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">5.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Insofar as
indemnification for liabilities arising under the Securities Act of 1933 may be permitted to directors, officers and controlling
persons of the registrant pursuant to the foregoing provisions, or otherwise, the registrant has been advised that in the opinion
of the Securities and Exchange Commission such indemnification is against public policy as expressed in the Act and is, therefore,
unenforceable. In the event that a claim for indemnification against such liabilities (other than the payment by the registrant
of expenses incurred or paid by a director, officer or controlling person of the registrant in the successful defense of any action,
suit or proceeding) is asserted by such director, officer or controlling person in connection with the securities being registered,
the registrant will, unless in the opinion of its counsel the matter has been settled by controlling precedent, submit to a court
of appropriate jurisdiction the question whether such indemnification by it is against public policy as expressed in the Act and
will be governed by the final adjudication of such issue.</P>

<P STYLE="font: small-caps bold 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: center">SIGNATURES</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">The Registrant.
Pursuant to the requirements of the Securities Act of 1933, the registrant certifies that it has reasonable grounds to believe
that it meets all of the requirements for filing on Form S-8 and has duly caused this Registration Statement on Form S-8 to be
signed on its behalf by the undersigned, thereunto duly authorized, in Elmira, New York, on this 21st day of January, 2015.</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<tr style="vertical-align: top">
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</td>
    <TD COLSPAN="2" STYLE="padding-right: 0; padding-left: 0; text-indent: 0">Chemung Financial Company</td></tr>
<tr style="vertical-align: top">
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</td>
    <TD COLSPAN="2" STYLE="padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</td></tr>
<tr style="vertical-align: top">
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</td>
    <TD STYLE="width: 0.5in; padding-right: 0; padding-left: 0; text-indent: 0">By:</td>
    <TD STYLE="width: 3in; border-bottom: Black 1pt solid; padding-right: 0; padding-left: 0; text-indent: 0">/s/ Ronald M. Bentley</td></tr>
<tr style="vertical-align: top">
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</td>
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">Ronald M. Bentley</TD></tr>
<tr style="vertical-align: top">
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</td>
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">President and Chief Executive Officer</TD></tr>
<tr style="vertical-align: top">
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</td>
    <TD COLSPAN="2" STYLE="padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</td></tr>
</table>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: small-caps bold 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: center">POWER OF ATTORNEY</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">We, the undersigned
directors and officers of Chemung Financial Corporation (the &ldquo;Company&rdquo;) hereby severally constitute and appoint Ronald
M. Bentley and Karl F. Krebs, as our true and lawful attorneys and agents, to do any and all things in our names in the capacities
indicated below which said Ronald M. Bentley and Karl F. Krebs may deem necessary or advisable to enable the Company to comply
with the Securities Act of 1933, and any rules, regulations and requirements of the Securities and Exchange Commission, in connection
with the registration of shares of Common Stock to be issued upon the award of such Common Stock under each Component Plan, including
specifically, but not limited to, power and authority to sign for us in our names in the capacities indicated below the registration
statement and any and all amendments (including post-effective amendments) thereto; and we hereby approve, ratify and confirm all
that said Ronald M. Bentley and Karl F. Krebs shall do or cause to be done by virtue thereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">Pursuant to the
requirements of the Securities Act of 1933, this Registration Statement on Form S-8 has been signed by the following persons in
the capacities and on the date indicated.</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 8in; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<tr style="vertical-align: top">
    <TD STYLE="width: 2.5in; padding-right: 0; padding-left: 0; text-indent: 0"><b>Signatures</b></td>
    <TD STYLE="width: 0.25in; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</td>
    <TD STYLE="width: 3in; padding-right: 0; padding-left: 0; text-indent: 0"><b>Title</b></td>
    <TD STYLE="width: 0.25in; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</td>
    <TD STYLE="width: 2in; padding-right: 0; padding-left: 0; text-indent: 0"><b>Date</b></td></tr>
<tr style="vertical-align: top">
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</td>
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</td>
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</td>
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</td>
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</td></tr>
<tr style="vertical-align: top">
    <TD STYLE="border-bottom: Black 1pt solid; padding-right: 0; padding-left: 0; text-indent: 0">/s/Ronald M. Bentley</td>
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</td>
    <TD STYLE="border-bottom: Black 1pt solid; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</td>
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</td>
    <TD STYLE="border-bottom: Black 1pt solid; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</td></tr>
<tr style="vertical-align: top">
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;&nbsp;&nbsp;&nbsp;Ronald M. Bentley</td>
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</td>
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">President and Chief Executive Officer</td>
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</td>
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">January 21, 2015</td></tr>
<tr style="vertical-align: top">
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</td>
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</td>
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</td>
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</td>
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</td></tr>
<tr style="vertical-align: top">
    <TD STYLE="border-bottom: Black 1pt solid; padding-right: 0; padding-left: 0; text-indent: 0">/s/Karl F. Krebs</td>
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</td>
    <TD STYLE="border-bottom: Black 1pt solid; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</td>
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</td>
    <TD STYLE="border-bottom: Black 1pt solid; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</td></tr>
<tr style="vertical-align: top">
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;&nbsp;&nbsp;&nbsp;Karl F. Krebs</td>
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</td>
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">Chief Financial Officer and Treasurer</td>
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</td>
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">January 21, 2015</td></tr>
<tr style="vertical-align: top">
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</td>
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</td>
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</td>
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</td>
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</td></tr>
<tr style="vertical-align: top">
    <TD STYLE="border-bottom: Black 1pt solid; padding-right: 0; padding-left: 0; text-indent: 0">/s/ Thomas E. Funk</td>
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</td>
    <TD STYLE="border-bottom: Black 1pt solid; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</td>
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</td>
    <TD STYLE="border-bottom: Black 1pt solid; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</td></tr>
<tr style="vertical-align: top">
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Thomas E. Funk</td>
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</td>
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">Vice President and Controller</td>
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</td>
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">January 21, 2015</td></tr>
<tr style="vertical-align: top">
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</td>
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</td>
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</td>
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</td>
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</td></tr>
<tr style="vertical-align: top">
    <TD STYLE="border-bottom: Black 1pt solid; padding-right: 0; padding-left: 0; text-indent: 0">/s/ David J. Dalrymple</td>
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</td>
    <TD STYLE="border-bottom: Black 1pt solid; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</td>
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</td>
    <TD STYLE="border-bottom: Black 1pt solid; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</td></tr>
<tr style="vertical-align: top">
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;David J. Dalrymple</td>
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</td>
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">Chairman of the Board</td>
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</td>
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">January 21, 2015</td></tr>
</TABLE>

<P STYLE="margin: 0">&nbsp;</P>

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<P STYLE="margin: 0"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 8in; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<tr style="vertical-align: top">
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0; width: 2.5in">&nbsp;</td>
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0; width: 0.25in">&nbsp;</td>
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0; width: 3in">&nbsp;</td>
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0; width: 0.25in">&nbsp;</td>
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0; width: 2in">&nbsp;</td></tr>
<tr style="vertical-align: top">
    <TD STYLE="border-bottom: Black 1pt solid; padding-right: 0; padding-left: 0; text-indent: 0">/s/Larry H. Becker</td>
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</td>
    <TD STYLE="border-bottom: Black 1pt solid; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</td>
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</td>
    <TD STYLE="border-bottom: Black 1pt solid; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</td></tr>
<tr style="vertical-align: top">
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;&nbsp;&nbsp;&nbsp;Larry H. Becker</td>
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</td>
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">Director</td>
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</td>
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">January 21, 2015</td></tr>
<tr style="vertical-align: top">
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</td>
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</td>
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</td>
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</td>
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</td></tr>
<tr style="vertical-align: top">
    <TD STYLE="border-bottom: Black 1pt solid; padding-right: 0; padding-left: 0; text-indent: 0">/s/Bruce W. Boyea</td>
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</td>
    <TD STYLE="border-bottom: Black 1pt solid; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</td>
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</td>
    <TD STYLE="border-bottom: Black 1pt solid; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</td></tr>
<tr style="vertical-align: top">
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;&nbsp;&nbsp;&nbsp;Bruce W. Boyea</td>
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</td>
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">Director</td>
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</td>
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">January 21, 2015</td></tr>
<tr style="vertical-align: top">
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</td>
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</td>
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</td>
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</td>
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</td></tr>
<tr style="vertical-align: top">
    <TD STYLE="border-bottom: Black 1pt solid; padding-right: 0; padding-left: 0; text-indent: 0">/s/Robert H. Dalrymple</td>
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</td>
    <TD STYLE="border-bottom: Black 1pt solid; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</td>
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</td>
    <TD STYLE="border-bottom: Black 1pt solid; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</td></tr>
<tr style="vertical-align: top">
    <TD STYLE="padding-right: 0; padding-left: 0; font-family: Arial, Helvetica, Sans-Serif; text-indent: 0"><font style="font: 10pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;Robert H. Dalrymple</font></td>
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</td>
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">Director</td>
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</td>
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">January 21, 2015</td></tr>
<tr style="vertical-align: top">
    <TD STYLE="padding-right: 0; padding-left: 0; font-family: Arial, Helvetica, Sans-Serif; text-indent: 0">&nbsp;</td>
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</td>
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</td>
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</td>
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</td></tr>
<tr style="vertical-align: top">
    <TD STYLE="border-bottom: Black 1pt solid; padding-right: 0; padding-left: 0; text-indent: 0">/s/Clover M. Drinkwater</td>
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</td>
    <TD STYLE="border-bottom: Black 1pt solid; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</td>
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</td>
    <TD STYLE="border-bottom: Black 1pt solid; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</td></tr>
<tr style="vertical-align: top">
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;&nbsp;&nbsp;Clover M. Drinkwater</td>
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</td>
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">Director</td>
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</td>
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">January 21, 2015</td></tr>
<tr style="vertical-align: top">
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</td>
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</td>
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</td>
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</td>
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</td></tr>
<tr style="vertical-align: top">
    <TD STYLE="border-bottom: Black 1pt solid; padding-right: 0; padding-left: 0; text-indent: 0">/s/William D. Eggers</td>
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</td>
    <TD STYLE="border-bottom: Black 1pt solid; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</td>
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</td>
    <TD STYLE="border-bottom: Black 1pt solid; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</td></tr>
<tr style="vertical-align: top">
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;&nbsp;&nbsp;&nbsp;William D. Eggers</td>
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</td>
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">Director</td>
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</td>
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">January 21, 2015</td></tr>
<tr style="vertical-align: top">
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</td>
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</td>
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</td>
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</td>
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</td></tr>
<tr style="vertical-align: top">
    <TD STYLE="border-bottom: Black 1pt solid; padding-right: 0; padding-left: 0; text-indent: 0">/s/Stephen M. Lounsberry III</td>
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</td>
    <TD STYLE="border-bottom: Black 1pt solid; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</td>
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</td>
    <TD STYLE="border-bottom: Black 1pt solid; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</td></tr>
<tr style="vertical-align: top">
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;&nbsp;&nbsp;&nbsp;Stephen M. Lounsberry III</td>
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</td>
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">Director</td>
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</td>
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">January 21, 2015</td></tr>
<tr style="vertical-align: top">
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</td>
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</td>
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</td>
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</td>
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</td></tr>
<tr style="vertical-align: top">
    <TD STYLE="border-bottom: Black 1pt solid; padding-right: 0; padding-left: 0; text-indent: 0">/s/John F. Potter</td>
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</td>
    <TD STYLE="border-bottom: Black 1pt solid; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</td>
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</td>
    <TD STYLE="border-bottom: Black 1pt solid; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</td></tr>
<tr style="vertical-align: top">
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;&nbsp;&nbsp;&nbsp;John F. Potter</td>
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</td>
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">Director</td>
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</td>
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">January 21, 2015</td></tr>
<tr style="vertical-align: top">
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</td>
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</td>
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</td>
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</td>
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</td></tr>
<tr style="vertical-align: top">
    <TD STYLE="border-bottom: Black 1pt solid; padding-right: 0; padding-left: 0; text-indent: 0">/s/Eugene M. Sneeringer Jr</td>
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</td>
    <TD STYLE="border-bottom: Black 1pt solid; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</td>
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</td>
    <TD STYLE="border-bottom: Black 1pt solid; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</td></tr>
<tr style="vertical-align: top">
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;&nbsp;&nbsp;&nbsp;Eugene M. Sneeringer Jr</td>
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</td>
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">Director</td>
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</td>
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">January 21, 2015</td></tr>
<tr style="vertical-align: top">
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</td>
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</td>
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</td>
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</td>
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</td></tr>
<tr style="vertical-align: top">
    <TD STYLE="border-bottom: Black 1pt solid; padding-right: 0; padding-left: 0; text-indent: 0">/s/Robert L. Storch</td>
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</td>
    <TD STYLE="border-bottom: Black 1pt solid; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</td>
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</td>
    <TD STYLE="border-bottom: Black 1pt solid; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</td></tr>
<tr style="vertical-align: top">
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;&nbsp;&nbsp;&nbsp;Robert L. Storch</td>
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</td>
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">Director</td>
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</td>
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">January 21, 2015</td></tr>
<tr style="vertical-align: top">
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</td>
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</td>
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</td>
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</td>
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</td></tr>
<tr style="vertical-align: top">
    <TD STYLE="border-bottom: Black 1pt solid; padding-right: 0; padding-left: 0; text-indent: 0">/s/Richard W. Swan</td>
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</td>
    <TD STYLE="border-bottom: Black 1pt solid; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</td>
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</td>
    <TD STYLE="border-bottom: Black 1pt solid; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</td></tr>
<tr style="vertical-align: top">
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;&nbsp;&nbsp;&nbsp;Richard W. Swan</td>
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</td>
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">Director</td>
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</td>
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">January 21, 2015</td></tr>
<tr style="vertical-align: top">
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</td>
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</td>
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</td>
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</td>
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</td></tr>
<tr style="vertical-align: top">
    <TD STYLE="border-bottom: Black 1pt solid; padding-right: 0; padding-left: 0; text-indent: 0">/s/G. Thomas Tranter Jr</td>
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</td>
    <TD STYLE="border-bottom: Black 1pt solid; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</td>
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</td>
    <TD STYLE="border-bottom: Black 1pt solid; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</td></tr>
<tr style="vertical-align: top">
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;&nbsp;&nbsp;&nbsp;G. Thomas Tranter Jr</td>
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</td>
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">Director</td>
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</td>
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">January 21, 2015</td></tr>
<tr style="vertical-align: top">
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</td>
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</td>
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</td>
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</td>
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</td></tr>
<tr style="vertical-align: top">
    <TD STYLE="border-bottom: Black 1pt solid; padding-right: 0; padding-left: 0; text-indent: 0">/s/Thomas R. Tyrrell</td>
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</td>
    <TD STYLE="border-bottom: Black 1pt solid; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</td>
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</td>
    <TD STYLE="border-bottom: Black 1pt solid; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</td></tr>
<tr style="vertical-align: top">
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;&nbsp;&nbsp;&nbsp;Thomas R. Tyrrell</td>
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</td>
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">Director</td>
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</td>
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">January 21, 2015</td></tr>
</table>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">Pursuant to the requirements of the Securities
Act of 1933, the administrators have duly caused this Registration Statement on Form S-8 to be signed on its behalf by the undersigned,
thereunto duly authorized, in the City of Elmira, State of New York, on January 21, 2015.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<tr style="vertical-align: top">
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</td>
    <TD COLSPAN="2" STYLE="padding-right: 0; padding-left: 0; font-family: Arial, Helvetica, Sans-Serif; text-indent: 0"><font style="font: 10pt Times New Roman, Times, Serif">Chemung Financial Corporation 2014 Omnibus Plan</font></td></tr>
<tr style="vertical-align: top">
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</td>
    <TD COLSPAN="2" STYLE="padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</td></tr>
<tr style="vertical-align: top">
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</td>
    <TD STYLE="width: 0.25in; padding-right: 0; padding-left: 0; text-indent: 0">By:</td>
    <TD STYLE="width: 3in; border-bottom: Black 1pt solid; padding-right: 0; padding-left: 0; text-indent: 0">/s/ Karl F. Krebs</td></tr>
<tr style="vertical-align: top">
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</td>
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">Karl F. Krebs</TD></tr>
<tr style="vertical-align: top">
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</td>
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">Chief Financial Officer and Treasurer</TD></tr>
<tr style="vertical-align: top">
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</td>
    <TD COLSPAN="2" STYLE="padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</td></tr>
</table>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>


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    <!-- Field: /Page -->


<P STYLE="font: small-caps bold 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: center">Exhibit Index</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<tr style="vertical-align: top">
    <TD STYLE="width: 1.5in; border: Black 1pt solid; padding-top: 2.9pt; padding-right: 5.75pt; padding-left: 5.75pt; text-align: center"><b>Exhibit Number</b></td>
    <TD STYLE="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 2.9pt; padding-right: 5.75pt; padding-left: 5.75pt; text-align: center"><b>Description</b></td></tr>
<tr>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding: 0.1in 5.75pt; text-align: center">3.1</td>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 0.1in 5.75pt">Certificate of Incorporation of Chemung Financial Corporation dated December 20, 1984 (as incorporated by reference to Exhibit 3.1 to Registrant&rsquo;s Form 10-K for the year ended December 31, 2007 filed with the Commission on March 13, 2008).</td></tr>
<tr>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding: 0.1in 5.75pt; text-align: center">3.2</td>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 0.1in 5.75pt">Certificate of Amendment to the Certificate of Incorporation of Chemung Financial Corporation, dated March 28, 1988, (as incorporated by reference to Exhibit 3.4 to Registrant&rsquo;s Form 10-K for the year ended December 31, 2007 filed with the Commission on March 13, 2008).</td></tr>
<tr>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding: 0.1in 5.75pt; text-align: center">3.3</td>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 0.1in 5.75pt">Certificate of Amendment to the Certificate of Incorporation of Chemung Financial Corporation, dated May 13, 1998, (as incorporated by reference to Exhibit 3.4 to Registrant&rsquo;s Form 10-K for the year ended December 31, 2005 and filed with the Commission on March 15, 2006.</td></tr>
<tr>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding: 0.1in 5.75pt; text-align: center">3.4</td>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 0.1in 5.75pt">Amended and Restated Bylaws of Chemung Financial Corporation, as amended to December 17, 2014(incorporated by reference to Exhibit 3.1 to Registrant&rsquo;s Form 8-K filed with the Commission on December 19, 2014).</td></tr>
<tr>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding: 0.1in 5.75pt; text-align: center">5.1</td>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 0.1in 5.75pt">Opinion of Hinman, Howard &amp; Kattell, LLP</td></tr>
<tr>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding: 0.1in 5.75pt; text-align: center">5.2</td>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 0.1in 5.75pt">Opinion of Hinman, Howard &amp; Kattell, LLP</td></tr>
<tr>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding: 0.1in 5.75pt; text-align: center">10.1</td>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 0.1in 5.75pt">Chemung Financial Corporation 2014 Omnibus Plan (with Component Plans)</td></tr>
<tr>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding: 0.1in 5.75pt; text-align: center">10.2</td>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 0.1in 5.75pt">Chemung Financial Corporation Restricted Stock Plan</td></tr>
<tr>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding: 0.1in 5.75pt; text-align: center">10.3</td>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 0.1in 5.75pt">Chemung Financial Corporation Incentive Plan</td></tr>
<tr>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding: 0.1in 5.75pt; text-align: center">10.4</td>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 0.1in 5.75pt">Chemung Financial Corporation Directors&rsquo; Compensation Plan</td></tr>
<tr>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding: 0.1in 5.75pt; text-align: center">10.5</td>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 0.1in 5.75pt">Chemung Financial Corporation Directors&rsquo; Deferred Fee Plan</td></tr>
<tr>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding: 0.1in 5.75pt; text-align: center">23.1</td>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 0.1in 5.75pt">Consent of Hinman, Howard &amp; Kattell, LLP (contained in the opinion included as Exhibit&nbsp;5).</td></tr>
<tr>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding: 0.1in 5.75pt; text-align: center">23.2</td>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 0.1in 5.75pt">Consent of Crowe Horwath, LLP</td></tr>
<tr>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding: 0.1in 5.75pt; text-align: center">24</td>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 0.1in 5.75pt">Power of Attorney (contained in the signature page to this Registration Statement).</td></tr>
</table>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>



<P STYLE="margin: 0">&nbsp;</P>

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<TYPE>EX-5.1
<SEQUENCE>2
<FILENAME>ex5-1.htm
<DESCRIPTION>EX-5.1
<TEXT>
<HTML>
<HEAD>
     <TITLE></TITLE>
</HEAD>
<BODY STYLE="font: 10pt Times New Roman, Times, Serif">

<P STYLE="margin-top: 0; text-align: center; margin-bottom: 0">&nbsp;<IMG SRC="img_001.jpg" ALT=""></P>

<P STYLE="margin: 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>Exhibit 5.1</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">January 26, 2015</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">Board of Directors</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">Chemung Financial Corporation</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">One Chemung Canal Plaza</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">P.O. Box 1522</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">Elmira, New York 14902</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" BORDER="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 0.5in">&nbsp;</TD>
    <TD STYLE="width: 0.5in">Re:&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid">Chemung Financial Corporation 2014 Omnibus Plan (with Component Plans) Registration Statement on Form&nbsp;S-8</TD></TR>
</TABLE>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 1in; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">Ladies and Gentlemen:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">You have requested the
opinion of this firm as to certain matters in connection with the issuance of Chemung Financial Corporation (the &ldquo;Company&rdquo;)
common stock, par value $.01 per share (the &ldquo;Common Stock&rdquo;), pursuant to each Component Plan of the Chemung Financial
Corporation 2014 Omnibus Plan (the &ldquo;Omnibus Plan&rdquo;), as described in the Registration Statement on Form&nbsp;S-8 (the
&ldquo;Form&nbsp;S-8&rdquo;). We have reviewed the Company&rsquo;s Certificate of Incorporation and By-laws, the Form S-8, as well
as applicable statutes and regulations governing the Company and the offer and sale of the Common Stock.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">Based on the foregoing,
we are of the following opinion:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">Upon the effectiveness
of the Form&nbsp;S-8, the Common Stock, when issued in connection with the award of Common Stock pursuant to each Component Plan
of the Omnibus Plan, will be legally issued, fully paid and non-assessable.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">This opinion has been prepared
solely for the use of the Company in connection with the preparation and filing of the Form&nbsp;S-8, and should not be used for
any other purpose or relied upon by any other person without the prior written consent of this firm.&nbsp; We hereby consent to
the use of this opinion in the Form&nbsp;S-8.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font-size: 10pt; width: 100%; border-collapse: collapse">
<tr style="vertical-align: top">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify">&nbsp;</td>
    <TD STYLE="width: 3in; padding-right: 5.4pt; padding-left: 5.4pt; font: 10pt Times New Roman, Times, Serif; text-align: justify">Yours very truly,</td></tr>
<tr style="vertical-align: top">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify">&nbsp;</td>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify">/s/ Hinman, Howard &amp; Kattell, LLP</td></tr>
<TR STYLE="vertical-align: top">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify">&nbsp;</TD></TR>
</table>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center">&nbsp;<IMG SRC="img_002.jpg" ALT=""></P>



<P STYLE="margin: 0"></P>

<P STYLE="margin: 0">&nbsp;</P>

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<DOCUMENT>
<TYPE>EX-5.2
<SEQUENCE>3
<FILENAME>ex5-2.htm
<DESCRIPTION>EX-5.2
<TEXT>
<HTML>
<HEAD>
     <TITLE></TITLE>
</HEAD>
<BODY STYLE="font: 10pt Times New Roman, Times, Serif">

<P STYLE="margin-top: 0; text-align: center; margin-bottom: 0"><IMG SRC="img_001.jpg" ALT=""></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>Exhibit 5.2</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">January 26, 2015</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">Chemung Financial Corporation</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">One Chemung Canal Plaza</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">Elmira, NY 14901</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">Re:</TD><TD STYLE="border-bottom: Black 1pt solid">Chemung Financial Corporation Directors&rsquo; Compensation Plan and the Chemung Financial Corporation Directors&rsquo; Deferred
Fee Plan</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 1in; text-indent: -0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">Ladies and Gentlemen:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">We have served as
counsel to Chemung Financial Corporation, a New York corporation (the &ldquo;Company&rdquo;), in connection with the registration
by the Company of shares of Common Stock of the Company, par value $0.01 (the &ldquo;Shares&rdquo;) which may be issued by the
Company pursuant to the Chemung Financial Corporation Directors&rsquo; Compensation Plan, and the Chemung Financial Directors&rsquo;
Deferred Fee Plan (collectively, the &ldquo;Directors&rsquo; Plans)&rdquo; ) and the filing of a registration statement on Form
S-8 relating to the Shares (the &ldquo;Registration Statement&rdquo;). Unless otherwise defined herein, capitalized terms used
herein shall have the meanings assigned to them in the Registration Statement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">As counsel, we have
made such legal and factual examination and inquiries as we have deemed necessary or appropriate for purposes of this opinion and
have made such additional assumptions as are set forth below. The Directors&rsquo; Plans provide that non-employee directors of
each of the Company and the Chemung Canal Trust Company (the &ldquo;Bank&rdquo;) may elect to defer receipt of fees payable to
the directors pursuant to the terms of the Directors&rsquo; Plans. At the election of a director, the deferred fees are converted
into units and allocated to a unit value account, which appreciates or depreciates, as would an actual share of Common Stock. The
Common Stock payable under the Directors&rsquo; Plans is paid to the director either at a specified age or time elected by the
director, at the termination of the directors&rsquo; service with the Company and/or the Bank, or upon the occurrence of a change
in control as defined in the Directors&rsquo; Plans.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">By the express terms
of the Directors&rsquo; Plans, the Plans potentially result in the deferral of income by directors for periods extending to the
termination of their service on the boards of the Company and the Bank or beyond. Accordingly, the Directors&rsquo; Plans may be
&ldquo;employee pension benefit plans&rdquo; described in Section 3(3) of the Employee Retirement Income Security Act of 1974,
as amended (&ldquo;ERISA&rdquo;). However, as the Directors&rsquo; Plans are unfunded and maintained primarily for the purpose
of providing deferred compensation to outside directors of the boards of the Company and the Bank, the Directors&rsquo; Plans are
subject to Parts 1 and 5 of Title I of ERISA, but not to any other provisions of ERISA.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt; text-align: center"><IMG SRC="img_002.jpg" ALT=""></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">The Directors&rsquo;
Plans are not designed or operated with the purpose of satisfying the requirements for qualification under Section 401(a) of the
Internal Revenue Code of 1986, as amended.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">Parts 1 and 5 of
Title I of ERISA do no impose any specific written requirements on non-qualified deferred compensation arrangements such as the
Directors&rsquo; Plans as a condition to compliance with the applicable provisions of ERISA. Further, the operation of the Directors&rsquo;
Plans pursuant the written provisions thereof will not cause the Directors&rsquo; Plans to fail to comply with Parts 1 and 5 of
Title 5 of ERISA.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">On the basis of
the foregoing, we are of the opinion that the provisions of the written documents constituting the Directors&rsquo; Plans comply
with the requirements of ERISA pertaining to such provisions.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">This opinion letter
is issued as of the date hereof and is limited the laws now in effect and in all respects is subject to and may be limited by future
legislation, as well as by future case law. We assume no responsibility to keep this opinion current or to supplement it to reflect
facts or circumstances which may hereafter come to our attention or any changes in law which may hereafter occur.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">We hereby expressly
consent to the filing of this opinion with the Securities and Exchange Commission as an exhibit to the Registration Statement.
In giving this consent, we do not hereby admit that we are in the category of persons whose consent is required under Section 7
of the 1933 Act or the Rules and Regulations of the Securities and Exchange Commission.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font-size: 10pt; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="width: 3in; font: 10pt Times New Roman, Times, Serif">Very truly yours,</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">/s/ Hinman, Howard &amp; Kattell, LLP</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 3in">&nbsp;</P>



<P STYLE="margin-top: 0; text-align: center; margin-bottom: 0"></P>

<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="margin: 0">&nbsp;</P>

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<DOCUMENT>
<TYPE>EX-10.1
<SEQUENCE>4
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<DESCRIPTION>EX-10.1
<TEXT>
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<P STYLE="margin: 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>Exhibit 10.1</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: center"><B>CHEMUNG FINANCIAL CORPORATION</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: center"><B>2014 OMNIBUS PLAN</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">Chemung Financial
Corporation, a New York corporation (&ldquo;Chemung Financial&rdquo; or the &ldquo;Company&rdquo;), sets forth the terms of its
2014 Omnibus Plan (the &ldquo;Omnibus Plan&rdquo;), as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: bold 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in">1.</TD><TD>PURPOSE</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">The Omnibus Plan,
effective January 1, 2014 (the &ldquo;Effective Date&rdquo;), aggregates in one document all current compensation plans, programs
and arrangements that provide Restricted Stock, Unrestricted Stock, and cash Awards to eligible employees and to members of the
Boards of Directors of the Company and its Affiliates. The Omnibus Plan incorporates herein all of the provisions of the Chemung
Financial Corporation Restricted Stock Plan, as amended and restated February 20, 2013, and amended effective December 17, 2014
(the &ldquo;Restricted Stock Plan&rdquo;), the Chemung Financial Corporation Incentive Compensation Plan, as amended and restated
effective January 1, 2012 (the &ldquo;Incentive Plan&rdquo;), the Chemung Financial Corporation Directors&rsquo; Compensation Plan,
as amended and restated effective January 1, 2012 (the &ldquo;Directors&rsquo; Compensation Plan&rdquo;), and the Chemung Financial
Corporation/Chemung Canal Trust Company Directors&rsquo; Deferred Fee Plan, as amended and restated effective January 1, 2005 (the
&ldquo;Directors&rsquo; Deferred Fee Plan&rdquo; and together with the Restricted Stock Plan, the Incentive Plan, the Directors&rsquo;
Compensation Plan, the &ldquo;Component Plans&rdquo;). The Component Plans are generally intended to enhance the Company&rsquo;s
and its Affiliates&rsquo; ability to attract and retain highly qualified officers, directors, key employees, and other persons,
and to motivate such persons to serve the Company and its Affiliates and to expend maximum effort to improve the business results
and earnings of the Company, by providing to such persons an opportunity to acquire or increase a direct proprietary interest in
the operations and future success of the Company.</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: bold 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in">2.</TD><TD STYLE="text-align: justify">DEFINITIONS</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">For purposes of
the Omnibus Plan, the following terms shall have the following meanings, except that if such terms have a different meaning in
the applicable Component Plan, the meaning in the Component Plan shall prevail:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">&ldquo;Affiliate&rdquo;
means, with respect to the Company, Chemung Canal Trust Company, and any company or other trade or business that controls, is controlled
by or is under common control with the Company within the meaning of Rule 405 of Regulation C under the Securities Act, including
without limitation, any Subsidiary, of the Company within the meaning of Section 424(f) of the Code.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">&ldquo;Award&rdquo;
means a grant of Restricted Stock, Unrestricted Stock or cash pursuant to the applicable Component Plan.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">&ldquo;Bank&rdquo;
means Chemung Canal Trust Company.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">&ldquo;Board&rdquo;
means the Board of Directors of Chemung Financial Corporation.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">&ldquo;Code&rdquo;
means the Internal Revenue Code of 1986, as now in effect or as hereafter amended.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">&ldquo;Committee&rdquo;
means the Board, or a committee that the Board may designate from time to time to administer the Component Plans.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">&ldquo;Common Stock&rdquo;
means the common stock of the Company.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">&ldquo;Director&rdquo;
means a member of the Boards of the Company and of the Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">&ldquo;Exchange
Act&rdquo; means the Securities Exchange Act of 1934, as now in effect or as hereafter amended.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">&ldquo;Grant Agreement&rdquo;
means a written agreement, including any amendment or supplement thereto, between the Company and a participant or Grantee specifying
the terms and conditions of an Award granted to such participant or Grantee.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">&ldquo;Grant Date&rdquo;
means as determined by the Board, the latest to occur of (i) the date as of which the Board approves an Award, (ii) the date on
which the recipient of an Award first becomes eligible to receive an Award, or (iii) such other date as may be specified by the
Board.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">&ldquo;Grantee&rdquo;
means a person who receives or holds an Award under a Component Plan.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">&ldquo;Grant Price&rdquo;
means the average of the closing prices of a share of Common Stock as quoted on the applicable securities quotation service, established
securities market or established national or regional exchange for each of the prior thirty trading days ending on December 31<SUP>st</SUP>
of the calendar year in which the Performance Period occurs.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">&ldquo;Restricted
Stock&rdquo; means shares of Common Stock granted to an eligible person pursuant to the Restricted Stock Plan.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">&ldquo;Securities
Act&rdquo; means the Securities Act of 1933, as now in effect or as hereafter amended.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">&ldquo;Unrestricted
Stock&rdquo; means a grant of Common Stock that is free of any restrictions awarded pursuant to the provisions of the Incentive
Compensation Plan.</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: bold 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in">3.</TD><TD STYLE="text-align: justify">ADMINISTRATION OF THE COMPONENT PLANS</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: bold 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">3.1.</TD><TD STYLE="text-align: justify">Board</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">The Board shall
have such powers and authorities related to the administration of the Component Plans, as are consistent with the Company&rsquo;s
certificate of incorporation and by-laws of the Company and applicable law. The Board shall have full power and authority to take
all actions and to make all determinations required or provided for under the Component Plans, any Award, or any Award Agreement
and shall have full power and authority to take all such other actions and make all such other determinations not inconsistent
with the specific terms and provisions of the Component Plans that the Board deems to be necessary or appropriate to the administration
of the Component Plans, any Award, or any Award Agreement. All such actions and determinations shall be the by the affirmative
vote of a majority of the members of the Board present at a meeting or by unanimous consent of the Board executed in writing in
accordance with the Company&rsquo;s certificate of incorporation and by-laws and applicable law. The interpretation and construction
by the Board of any provision of a Component Plan, any Award, or any Award Agreement, shall be final, binding and conclusive.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: bold 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">3.2.</TD><TD STYLE="text-align: justify">Committee</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">The Board from time
to time may delegate to the Committee such powers and authorities related to the administration and implementation of the Omnibus
Plan and the Component Plans, as set forth in Section 3.1 above and other applicable provisions, as the Board shall determine,
consistent with the certificate of incorporation and by-laws of the Company and applicable law.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">Except as the Board
may otherwise determine, the Committee shall consist of two or more Outside Directors of the Company who: (a) qualify as &ldquo;outside
directors&rdquo; within the meaning of Section 162(m) of the Code and who (b) meet such other requirements as may be established
from time to time by the Securities and Exchange Commission for plans intended to qualify for exemption under Rule 16b-3 (or its
successor) under the Exchange Act and who (c) comply with the independence requirements of the stock exchange or securities association
on which the Common Stock is listed.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">In the event that
a Component Plan, any Award or any Award Agreement entered into hereunder provides for any action to be taken by or determination
to be made by the Board, such action may be taken or such determination may be made by the Committee if the power and authority
to do so has been delegated to the Committee by the Board as provided for in this Section. Unless otherwise expressly determined
by the Board, any such action or determination by the Committee shall be final, binding and conclusive. To the extent permitted
by law, the Committee may delegate its authority under a Component Plan to a member of the Board.</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: bold 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">3.3.</TD><TD STYLE="text-align: justify">Terms of Awards</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">Subject to the other
terms and conditions of the Component Plans, the Board, unless delegated to the Committee pursuant to Section 3.2, shall have full
and final authority to:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 1in">(i) &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;designate
Grantees;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 1in">(ii) &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;determine
the type or types of Awards to be made to a Grantee;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 1in">(iii) &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;determine
the number of shares of Common Stock to be subject to an Award;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 1in">(iv) &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;establish
the terms and conditions of each Award (including, but not limited to, the nature and duration of any restriction or condition
(or provision for lapse thereof) relating to the vesting, transfer, or forfeiture of an Award or the shares of Common Stock subject
thereto;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 1in">(v) &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;prescribe
the form of each Award Agreement evidencing an Award; and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 1in">(vi) &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;amend, modify,
or supplement the terms of any outstanding Award.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">The Company may
retain the right in an Award Agreement to cause a forfeiture of the gain realized by a Grantee on account of actions taken by the
Grantee in violation or breach of or in conflict with any employment agreement, non-competition agreement, any agreement prohibiting
solicitation of employees or clients of the Company or any Affiliate thereof or any confidentiality obligation with respect to
the Company or any Affiliate thereof or otherwise in competition with the Company or any Affiliate thereof, to the extent specified
in such Award Agreement applicable to the Grantee. Furthermore, the Company may annul an Award if the Grantee is an employee of
the Company or an Affiliate thereof and is terminated for cause as defined in the applicable Award Agreement or the Omnibus Plan
or any Component Plan, as applicable.</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: bold 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">3.4.</TD><TD STYLE="text-align: justify">Deferral Arrangement</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">The Board may permit
or require the deferral of any award payment into a deferred compensation arrangement, subject to such rules and procedures as
it may establish, which may include provisions for the payment or crediting of interest or dividend equivalents, including converting
such credits into deferred Common Stock equivalents. Any such deferrals shall be made in a manner that complies with Code Section
409A.</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: bold 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">3.5.</TD><TD STYLE="text-align: justify">No Liability</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">No member of the
Board or of the Committee shall be liable for any action or determination made in good faith with respect to a Component Plan or
any Award or Award Agreement.</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: bold 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">3.6.</TD><TD STYLE="text-align: justify">Share Issuance/Book-Entry</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">Notwithstanding
any provision of any Component Plans to the contrary, the issuance of the Common Stock under said Plans may be evidenced in such
a manner as the Board, in its discretion, deems appropriate, including, without limitation, book-entry registration or issuance
of one or more Common Stock certificates.</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: bold 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in">4.</TD><TD STYLE="text-align: justify">LIMITATION ON SHARES OF STOCK SUBJECT TO AWARDS</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: bold 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">4.1.</TD><TD STYLE="text-align: justify">Number of Shares Available for Awards</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">During any time
when the Company has a class of equity security registered under Section 12 of the Exchange Act, the maximum number of shares that
can be awarded pursuant to the Component Plans, in the aggregate, is forty-five thousand (45,000) per calendar year.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: bold 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">4.2.</TD><TD STYLE="text-align: justify">Adjustments in Authorized Shares</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">The Board shall
have the right to substitute or assume Awards in connection with mergers, reorganizations, separations, or other transactions to
which Section 424(a) of the Code applies.</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: bold 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">4.3.</TD><TD STYLE="text-align: justify">Share Usage</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">Shares covered by
an Award shall be counted as used as of the Grant Date. If any shares covered by an Award are forfeited or expire, or if an Award
otherwise terminates without delivery of any Common Stock subject thereto or is settled in cash in lieu of shares, then the number
of shares of Common Stock counted against the aggregate number of shares available under the applicable Component Plan with respect
to such Award shall, to the extent of any such forfeiture, termination or expiration, again be available for making Awards under
the applicable Component Plan.</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: bold 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in">5.</TD><TD>AMENDMENT AND TERMINATION OF A COMPONENT PLAN</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">The Board may, at
any time and from time to time, amend, suspend, or terminate a Component Plan as to any shares of Common Stock as to which Awards
have not been made. An amendment shall be contingent on the approval of the Company&rsquo;s shareholders to the extent stated by
the Board, required by applicable law or required by applicable stock exchange or securities association listing requirements.
In addition, an amendment will be contingent on approval of the Company&rsquo;s shareholders if the amendment would: (i) materially
increase the benefits accruing to participants under the a Component Plan; (ii) materially increase the aggregate number of shares
of Common Stock that may be issued under any Component Plan; or (iii) materially modify the requirements as to the eligibility
for participation in any Component Plan. No Awards shall be made after termination of a Component Plan.</P>

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<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in">6.</TD><TD>REQUIREMENTS OF LAW</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: bold 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">6.1.</TD><TD>General</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">The Company shall
not be required to issue any shares of Common Stock under any Award if the issuance of such shares would constitute a violation
by the Grantee, or the Company of any provision of any law or regulation of any governmental authority, including without limitation
any federal or state securities laws or regulations. If at any time the Company shall determine, in its discretion, that the listing,
registration or qualification of any shares subject to an Award upon any securities exchange or under any governmental regulatory
body is necessary or desirable as a condition of, or in connection with, the issuance or purchase of shares hereunder, no shares
of Common Stock may be issued to the Grantee unless such listing, registration, qualification, consent or approval shall have been
effected or obtained free of any conditions not acceptable to the Company, and any delay caused thereby shall in no way affect
the date of termination of the Award. The Company may, but shall in no event be obligated to, register any securities covered hereby
pursuant to the Securities Act.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: bold 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">6.2.</TD><TD>Rule 16b-3</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">During any time
when the Company has a class of equity security registered under Section 12 of the Exchange Act, it is the intent of the Company
that Awards pursuant to an applicable Component Plan will qualify for the exemption provided by Rule 16b-3 under the Exchange Act.
To the extent that any provision of the Omnibus Plan and the Component Plans or action by the Board does not comply with the requirements
of Rule 16b-3, it shall be deemed inoperative to the extent permitted by law and deemed advisable by the Board, and shall not affect
the validity of the Omnibus Plan and the Component Plans. In the event that Rule 16b-3 is revised or replaced, the Board may exercise
its discretion to modify this Omnibus Plan and the Component Plans in any respect necessary to satisfy the requirements of, or
to take advantage of any features of, the revised exemption or its replacement.</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: bold 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in">7.</TD><TD>EFFECT OF CHANGES IN CAPITALIZATION</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: bold 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">7.1.</TD><TD>Changes in Common Stock</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">In the event of
any change in corporate capitalization, such as a stock split, or a corporate transaction, such as any merger, consolidation, separation,
including a spin-off, or other distribution of stock or property of the Company, any reorganization (whether or not such reorganization
comes within the definition of such term in Internal Revenue Code Section 368) or any partial or complete liquidation of the Company,
such adjustment shall be made in then number and class of shares of Common Stock which may be delivered under a Component Plan
as may be determined to be appropriate and equitable by the Company Board, in its sole discretion, to prevent dilution or enlargement
of rights. Adjustments under this Section 7.1 shall be made by the Board, whose determination in that respect shall be final, binding
and conclusive. No fractional shares or other securities shall be issued pursuant to any such adjustment, and any fractions resulting
from any such adjustment shall be eliminated in each case by rounding downward to the nearest whole share.</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: bold 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">7.2.</TD><TD>No Limitations on Company</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">The making of Awards
pursuant to any Component Plan shall not affect or limit in any way the right or power of the Company to make adjustments, reclassifications,
reorganizations, or changes of its capital or business structure or to merge, consolidate, dissolve, or liquidate, or to sell or
transfer all or any part of its business or assets.</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: bold 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in">8.</TD><TD>GENERAL PROVISIONS</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: bold 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">8.1.</TD><TD>Disclaimer of Rights</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">No provision in
the Omnibus Plan or in any Component Plan, or in any Award or Award Agreement shall be construed to confer upon any individual
the right to remain in the employ or service of the Company, or to interfere in any way with any contractual or other right or
authority of the Company either to increase or decrease the compensation or other payments to any individual at any time, or to
terminate any employment or other relationship between any individual and the Company. In addition, notwithstanding anything contained
in the Omnibus Plan or the Component Plans to the contrary, unless otherwise stated in the applicable Award Agreement, no Award
granted under a Component Plan, shall be affected by any change of duties or position of the Grantee, so long as such Grantee continues
to be a director, officer, consultant or employee of the Company. The obligation of the Company to pay any benefits pursuant to
a Component Plan shall be interpreted as a contractual obligation to pay only those amounts described herein, in the manner and
under the conditions prescribed herein. Neither the Omnibus Plan nor any Component Plan shall in any way be interpreted to require
the Company to transfer any amounts to a third party trustee or otherwise hold any amounts in trust or escrow for payment to any
Grantee or beneficiary under the terms of said Plans.</P>

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<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">8.2.</TD><TD>Nonexclusivity of the Plan</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">The adoption of
the Omnibus Plan by the Board shall not be construed as creating any limitations upon the right and authority of the Board to adopt
such other incentive compensation arrangements (which arrangements may be applicable either generally to a class or classes of
individuals or specifically to a particular individual or particular individuals) as the Board in its discretion determines desirable,
including, without limitation, the granting of stock options.</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: bold 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">8.3.</TD><TD>Captions</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">The use of captions
in this Omnibus Plan is for the convenience of reference only and shall not affect the meaning of any provision of the Omnibus
Plan.</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: bold 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">8.4.</TD><TD>Other Provisions</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">Each Award granted
under any Component Plan may contain such other terms and conditions not inconsistent with the Omnibus Plan as may be determined
by the Board, in its sole discretion.</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: bold 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">8.5.</TD><TD>Severability</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">If any provision
of the Omnibus Plan shall be determined to be illegal or unenforceable by any court of law in any jurisdiction, the remaining provisions
hereof and thereof shall be severable and enforceable in accordance with their terms, and all provisions shall remain enforceable
in any other jurisdiction.</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: bold 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">8.6.</TD><TD>Governing Law</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">The validity and
construction of this Omnibus Plan and the Component Plans, and the instruments evidencing the Awards under each said Plan shall
be governed by the laws of the State of New York, other than any conflicts or choice of law rule or principle that might otherwise
refer construction or interpretation of this Omnibus Plan and the Component Plans, and the instruments evidencing the Awards granted
under each said Plan to the substantive laws of any other jurisdiction.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">To record adoption
of the Omnibus Plan as of January 1, 2014, the Company has caused its authorized officer to execute this document.</P>

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<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: justify">CHEMUNG FINANCIAL CORPORATION</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 52%; text-align: justify">&nbsp;</TD>
    <TD STYLE="width: 7%; text-align: justify">&nbsp;</TD>
    <TD STYLE="width: 41%; text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">By:</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>Title:</TD>
    <TD>&nbsp;</TD></TR>
</TABLE>
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<P STYLE="font: small-caps bold 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">Exhibit 10.2</P>

<P STYLE="font: small-caps bold 10pt Times New Roman, Times, Serif; margin: 0 0 6pt; text-align: center">CHEMUNG FINANCIAL CORPORATION</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>RESTRICTED STOCK PLAN</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>Effective June 16, 2010</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>Amended and Restated on February 20, 2013;
and Amended on December 17, 2014</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: center; text-indent: 0in">ARTICLE I<BR>
PURPOSE</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">1.1 &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Purpose.</U>
The purposes of the Chemung Financial Corporation Restricted Stock Plan (&ldquo;<B><I>Plan</I></B>&rdquo;) established by the Chemung
Financial Corporation and its successors and assigns (&ldquo;<B><I>Company</I></B>&rdquo;) are (a) to align the interests of the
Company&rsquo;s executives and senior managers with the interests of the Company and its stockholders, (b) to insure the Company&rsquo;s
compensation practices are competitive and comparable with those of its peers, and (c) to promote the retention of selected management-level
employees. Pursuant to the Plan, the Company may make discretionary grants (each an &ldquo;<B><I>Award</I></B>&rdquo;) of restricted
shares of the Company&rsquo;s common stock (&ldquo;<B><I>Common Stock</I></B>&rdquo;) to or for the benefit of employees selected
to participate in the Plan, subject to the terms and conditions set forth in this Plan and in grant agreements evidencing the awards
made hereunder.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: center; text-indent: 0in">ARTICLE II<BR>
ELIGIBILITY AND PARTICIPATION</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">2.1 &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Eligible
Employees.</U> Each officer of the Company, other than the Company&rsquo;s chief executive officer, (each an &ldquo;<B><I>Eligible
Employee</I></B>&rdquo;) is eligible to participate in the Plan.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">2.2 &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Participation.</U>
Each Plan Year, the Committee may, but shall not be required to, select certain Eligible Employees to receive Awards under the
Plan during such Plan Year. Each Eligible Employee so selected shall be referred to herein as a &ldquo;<B><I>Participant</I></B>&rdquo;
in the Plan for the Plan Year(s) in which he or she is designated to receive an Award hereunder. The Committee&rsquo;s selection
or non-selection of Participants for any Plan Year shall be entirely within the Committee&rsquo;s discretion.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: center; text-indent: 0in">ARTICLE III<BR>
SHARES SUBJECT TO AWARD</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">3.1 &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Number
of Shares.</U> The number of shares of the Company&rsquo;s Common Stock which may be made the subject of Awards hereunder shall
not exceed 15,000 shares per year.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">3.2 &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Adjustments
to Number of Shares</U>. Shares of Common Stock withheld to pay withholding taxes with respect to any Award shall reduce the number
of shares available hereunder to the same extent as if the shares so withheld had been delivered to the recipient. In the event
that there shall occur any recapitalization, reclassification, stock dividend, stock split, reverse stock split, merger, reorganizations,
consolidation, repurchase, share exchange, liquidation, dissolution, or other similar corporate transaction or event that affects
the Company&rsquo;s Common Stock, the Committee may, in any manner and to the extent as it may deem equitable, adjust the number
or kind of shares available for Awards under the Plan and the number and kind of shares subject to outstanding Awards.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">3.3 &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Character
of Shares Subject to Awards.</U> Shares issued via Awards under the Plan may be either authorized but unissued shares of Common
Stock or treasury stock.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: center; text-indent: 0in">ARTICLE IV<BR>
GRANT AGREEMENTS</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">4.1 &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Grant
Agreements.</U> Each Award shall be evidenced by a Grant Agreement which sets forth the number of shares of Restricted Stock which
are the subject of such Award and the terms and conditions on which the Award is made. The terms and conditions of any Award set
forth in any Grant Agreement shall be as the Committee determines appropriate; provided, however, that the terms and conditions
of the Plan shall govern in the event of any inconsistency between the Plan and any Grant Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: center; text-indent: 0in">ARTICLE V<BR>
ADMINISTRATION</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">5.1 &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Plan
Administrator</U>. The Plan shall be administered by the Compensation &amp; Personnel Committee of the Board (&ldquo;Committee&rdquo;)
or any successor thereto. The full Board may, in its discretion, perform any function of the Committee hereunder, in which case,
the term &ldquo;Committee&rdquo; shall refer to the Board.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">5.2 &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Authority
of Committee.</U> The Committee shall make a recommendation to the Board with respect to all actions and determinations required
or contemplated under the Plan including, without limitation:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 1in">(a) &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;to
interpret and construe the Plan and to determine all questions that may arise under the Plan as to eligibility for participation
in the Plan;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 1in">(b) &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;to
amend or modify the terms of this Plan, of any Grant Agreement, and/or of any Award hereunder;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 1in">(c) &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;to
adopt rules and regulations and to prescribe forms for the operation and administration of the Plan; and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 1in">(d) &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;to
take any other action not inconsistent with the provisions of the Plan that it may deem necessary or appropriate.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">All decisions, determinations
and other actions of the Board made or taken in accordance with the terms of the Plan shall be final and conclusive and binding
upon all parties having an interest therein.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">5.3 &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Delegations
of Authority.</U> The Committee may delegate to any employee or officer of the Company or to any third party any power or authority
of the Committee over the administration of the Plan, other than the power and authority to select Participants or to make Awards,
to such extent and on such terms as the Committee may determine appropriate.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">5.4 &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Limitation
on Liability</U>. No member of the Committee or person to whom the Committee has delegated any of its power or authority under
this Plan shall be liable for any action taken in good faith with respect to the Plan or for any Award made hereunder.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">5.5 &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Designation
of Beneficiaries</U>. Each Participant shall have the right, at any time, to designate any person or persons as his beneficiary
or beneficiaries to whom all amounts otherwise due hereunder shall be paid in the event of his or her death. Any such designation
shall become effective upon filing a written designation with the Committee. The Committee may require that designations be made
on a form acceptable to the Committee.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: center; text-indent: 0in">ARTICLE VI<BR>
RESTRICTIONS, FORFEITURES, &amp; VESTING</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">6.1 &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Shareholder
Rights.</U> Except as otherwise provided in this Article and as may otherwise be provided in a relevant Grant Agreement, each holder
of one or more shares of Restricted Stock shall have, with respect to such shares, all of the rights of a shareholder of the Common
Stock, including, without limitation, the right to vote said Restricted Stock. &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">6.2 &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Limits
on Transferability.</U> Prior to vesting, the holder of a share of Restricted Stock shall not be permitted to sell, transfer, pledge,
assign, encumber, or otherwise dispose of said share, except to the extent expressly permitted (if at all) by the Grant Agreement
evidencing the Award of which the share was a part.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">6.3 &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Stock
Certificates.</U> A Participant shall not be entitled to receive a stock certificate representing one or more shares of Restricted
Stock until all restrictions on such Restricted Stock have lapsed. The Company shall have the right to require the placement of
a restrictive legend on certificates representing any such share referencing the restrictions to which such Restricted Stock is
subject.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">6.4 &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Termination
of Employment. </U></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 1in">(a) &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In
the event a Participant&rsquo;s employment with the Company is terminated with cause, or the Participant resigns voluntarily or
retires from the Company before attainment of Normal Retirement Age, other than on account of the Participant&rsquo;s death, Disability,
or a Change in Control, the Participant&rsquo;s unvested shares of Restricted Stock shall be immediately forfeited, without compensation
to the Participant.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 1in">(b) &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Upon
a Participant&rsquo;s termination of employment with the Company on or after the Participant&rsquo;s attainment of Normal Retirement
Age or on account of the Participant&rsquo;s death, Disability, or a Change in Control, the Participant&rsquo;s shares of Restricted
Stock shall immediately vest and all restrictions thereon shall lapse.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 1in">(c) &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Committee shall determine the extent to which any Participant&rsquo;s leave of absence for military or other government service,
illness, temporary disability, or other reason shall be treated as a termination of employment described in subsections (a) or
(b) above and the effect on the Participant&rsquo;s Restricted Stock.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">6.5 &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Vesting.</U>
Except as otherwise set forth in the Plan, shares of Restricted Stock shall vest and the restrictions thereon shall lapse in accordance
with the following schedule: On each anniversary of the date of the Award pursuant to which a share of Restricted Stock is granted
to a Participant, commencing with the first anniversary of such date, 20% of the shares granted as part of the Award shall vest
until the fifth anniversary of such date, at which time all shares granted as part of the Award shall be fully vested.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: center; text-indent: 0in">ARTICLE VII<BR>
TAXES</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">7.1 &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Authority
to Withhold Taxes</U>. Notwithstanding Section 7.2, the Company shall, to the extent permitted by applicable law, have the right
to deduct from the amount of any Award or payment due to a Participant or other person hereunder, any taxes of any kind required
by law to be withheld with respect to any such Award or payment. Effective December 17, 2014, the Company may, in its sole discretion,
approve the adoption of a Rule 10b5-1 trading plan by the Participant solely for the purpose of allowing the Participant to sell
a number of shares awarded upon the vesting of Restricted Stock sufficient to pay withholding taxes that come due as a result of
the vesting of such Restricted Stock.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">7.2 &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Section
83(b) Election</U>. If a Participant elects, pursuant to Section 83(b) of the Code, to include in his or her gross income for federal
income tax purposes, an amount equal to the fair market value of the shares of Restricted Stock subject to an Award, the Participant
shall make arrangements satisfactory to the Company to pay to the Company any federal, state, or local taxes required to be withheld
with respect to such Award. If such an election is not made, then at the time a Participant&rsquo;s Restricted Stock vests, the
Participant shall, upon notification of the amount due thereon, pay to the Company all amounts necessary to satisfy applicable
federal, state, and local withholding tax requirements or shall otherwise make arrangements satisfactory to the Company to satisfy
such requirements.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: center; text-indent: 0in">ARTICLE VIII<BR>
AMENDMENT AND TERMINATION</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">8.1 &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Amendment.</U>
The Board may amend this plan in whole or in part at any time and in any manner as it may deem advisable. Amendments shall be made
only by written instrument duly executed by the Board or a duly authorized representative of the Board.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">8.2 &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Termination.</U>
The Board may suspend or terminate the Plan in whole or in part at any time by delivery of written notice of termination or suspension
to the Committee. Shares of Restricted Stock granted under the Plan which are not vested and outstanding on the date of suspension
or termination of the Plan shall remain outstanding and subject to the terms and conditions set forth herein shall continue to
vest, unless otherwise specified by the Committee or the Board.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: center; text-indent: 0in">ARTICLE IX<BR>
GENERAL PROVISIONS</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">9.1 &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>No
Implied Rights.</U> None of the establishment of the Plan, its operation, any provisions of the Plan or of any Grant Agreement,
or any action of the Board or the Committee with respect to the Plan shall be held or construed to confer upon any Participant,
Eligible Employee, or any other person any right to a continuation of his or her employment with the Company or to receive his
or her current (or any other) rate of compensation therefor.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">9.2 &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Unfunded
Plan.</U> The benefits provided under this Plan shall be general, unsecured obligations of the Company, payable solely from the
general assets of the Company, and no Participant nor any Participant&rsquo;s permitted transferee shall have any interest in any
assets of the Company by virtue of this Plan, except as a general unsecured creditor of the Company.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">9.3 &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Construction.</U>
Article and Section headings herein are provided for reference only and shall not affect the interpretation or construction of
any provision of this Plan. Reference to any statute, regulation, rule or other legal authority shall be construed as including
reference to any amendment to or successor of such statute, regulation, rule, or authority.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">9.4 &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Representations
and Warranties by Participants.</U> The Company may condition any Award on its receipt from the Participant designated to receive
such Award any and all such representations and warranties and opinions of counsel as the Committee may deem necessary or appropriate
to ensure that the Award and/or the issuance of Common Stock pursuant to the Award complies with the requirements of all applicable
federal and state securities laws, including but not limited to the requirements of exemptions from registration under such laws.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">9.5 &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>No
Obligation to Register Shares</U>. Nothing in this Plan or in any Grant Agreement shall obligate the Company to undertake any registration
of shares of Common Stock which are the subject of Awards hereunder.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">9.6 &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Compliance
with Legal and Other Requirements. </U></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 1in">(a) &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;No
Award shall be granted, no Common Stock or Restricted Stock shall be issued, and no certificates for shares of Common Stock or
Restricted Stock shall be delivered under this Plan or under any Grant Agreement except in conformance with the requirements of
all applicable Laws. The Company shall have the right to rely on an opinion of its counsel as to such compliance. Any certificate
issued to evidence shares of Restricted Stock or Common Stock awarded hereunder may bear such legends and statements as the Committee
may deem advisable to assure compliance with applicable Laws. No Award shall be granted, no Common Stock or Restricted Stock shall
be issued, and no certificate representing Common Stock or Restricted Stock shall be delivered under this Plan unless and until
the Company has obtained all consents or approvals as the Committee may deem necessary or advisable from any regulatory authority
having jurisdiction over such matters.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 1in">(b) &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;It
is intended that this Plan shall not constitute a &ldquo;nonqualified deferred compensation plan&rdquo; and that no Award hereunder
shall provide for a &ldquo;deferral of compensation&rdquo; as those terms are defined by Section 409A of the Code. The Committee
shall have the authority to take any and all actions, with or without advance notice to any Participant or any other party, including,
without limitation, amendment of the Plan and/or of the terms of any Grant Agreement on a prospective or retroactive basis as may
be necessary to cause any of the foregoing to comply with the applicable requirements of Section 409A of the Internal Revenue Code
or to no longer be subject to the such requirements.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 1in">(c) &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;With
respect to Participants subject to the requirements of Section 16 of the Exchange Act, transactions under this Plan are intended
to comply with all applicable conditions of Rule 16b-3 thereunder. To the extent any provision of this Plan or action by the Committee
would fail to be in compliance with such conditions, they may be deemed null and void by the Committee.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">9.7 &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Amendment
and Termination</U>. This Plan may be amended or terminated at any time by written instrument; provided, however, that any amendment
(except for remedial amendments required to satisfy the requirements of applicable securities or tax laws) of the Plan that would
have a material adverse effect on the rights of a Participant under any outstanding Award shall not be valid with respect to such
Award without the Participant&rsquo;s consent.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">9.8 &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Governing
Law.</U> This plan shall be governed by the laws of the State of New York, to the extent not preempted by application of federal
law.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: center; text-indent: 0in">ARTICLE X<BR>
DEFINITIONS</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">Capitalized terms
in the Plan shall have the meanings ascribed to them below, unless the relevant context clearly requires otherwise.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">10.1 &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Award
</U>means an award of Restricted Stock under the Plan.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">10.2 &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Board</U>
means the board of directors of the Company.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">10.3 &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Change
in Control</U> means (a) a majority of the members of the Board of Directors are replaced, by election or otherwise, within a twelve-month
period; (b) any person becomes the beneficial owner of more than fifty percent (50%) of the voting power of any class of voting
stock of the Company without the prior approval of the Board; (c) a merger or consolidation of the Company or of any subsidiary
of the Company, other than a merger or consolidation with respect the requirements of (A) and (B) are satisfied: (A) the voting
securities of the company outstanding immediately prior to the merger or consolidation continue to represent (either by remaining
outstanding or by being converted into voting securities of the surviving entity or any parent thereof) more than fifty percent
(50%) of the combined voting power of the securities of the surviving entity or the parent of the surviving entity outstanding
immediately after the consummation of the merger or consolidation, and (B) individuals who constitute the Board immediately prior
to the execution of the definitive agreement pertaining to such merger or consolidation continue immediately following such merger
or consolidation to represent a majority of the membership of the board of directors of the surviving entity or the parent of such
entity; or (d) the Company enters into a binding agreement whereby it shall be required to dispose of all or substantially all
of its assets, unless such agreement and disposition is approved by a majority of the Board.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">10.4 &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Code</U>
means the Internal Revenue Code of 1986.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">10.5 &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Committee
</U>has the meaning given such term by Article V of this Plan.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">10.6 &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Common
Stock</U> means the common stock of the Company.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">10.7 &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Company</U>
means the Chemung Financial Corporation, a New York business corporation having its principal offices located at One Chemung Canal
Plaza, Elmira, New York 14901.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">10.8 &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Disability</U>
means disability as defined by the Bank&rsquo;s disability policies. The Committee shall have the right, in its exclusive discretion,
to determine whether a Participant has terminated employment with the Company on account of any Disability.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">10.9 &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Eligible
Employee </U>has the meaning given such term by Article II of this Plan.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">10.10 &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Grant
Agreement</U> means a written agreement, including any amendment or supplement thereto, between the Company and a Participant specifying
the terms and conditions of an Award granted to such Participant.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">10.11 &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Grant
Price</U> means the average of the closing prices of a share of common stock as quoted on the applicable securities quotation service,
established securities market or established national or regional exchange for each of the prior thirty trading days ending on
grant date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">10.12 &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Law</U>
means any Federal, state, or local law, rule, or regulation or any guidance or other binding authority, the final order of any
court or other authority of competent jurisdiction, or any applicable rule of any securities exchange on which the Company&rsquo;s
securities shall be listed or traded.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">10.13 &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Normal
Retirement Age</U> means age sixty-five (65).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">10.14 &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Participant</U>
means a person who is awarded Restricted Stock under the Plan.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">10.15 &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Plan</U>
means the Chemung Financial Corporation Restricted Stock Plan embodied by this document, as it may be amended or supplemented from
time to time.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">10.16 &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Plan
Year</U> means the fiscal year of the Company.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">10.17 &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Restricted
Stock</U> means the shares of Common Stock granted under this Plan that are no longer subject to restrictions under the Plan or
the Grant Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">IN WITNESS WHEREOF,
the Company has caused this Plan to be amended on this 17th day of December, 2014, to be effective as of the date first set forth
above, except as otherwise expressly provided hereinabove.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 3in; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 3in; text-align: justify">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font-size: 10pt; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: left">&nbsp;</TD>
    <TD STYLE="width: 3.25in; padding-right: 0; padding-left: 0; text-indent: 0">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: left">CHEMUNG FINANCIAL CORPORATION</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: left">&nbsp;</P></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: left">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-right: 0; padding-left: 0; text-align: left; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: left">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-right: 0; padding-left: 0; text-align: left; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: left">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; padding-right: 0; padding-left: 0; text-align: left; text-indent: 0">/s/Ronald M. Bentley</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: left">&nbsp;</TD>
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: left">Ronald M. Bentley</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: left"></P></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: left">&nbsp;</TD>
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: left">President &amp; Chief Executive Officer</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: left"></P></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-right: 0; padding-left: 0; text-align: justify; text-indent: 0">&nbsp;</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 3in; text-align: justify">&nbsp;</P>



<P STYLE="margin: 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>Exhibit 10.3</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: center"><B>CHEMUNG FINANCIAL CORPORATION</B><BR>
<B>INCENTIVE COMPENSATION PLAN</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: center"><B>(As Amended and Restated January&nbsp;1,&nbsp;2012)</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">Chemung Financial Corporation, a New
York corporation (&ldquo;Chemung Financial&rdquo; or the &ldquo;Company&rdquo;), sets forth the terms of its Incentive Compensation
Plan (the &ldquo;Plan&rdquo;), as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

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<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in">1.</TD><TD>PURPOSE</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">The purpose of the Plan is to enhance
the Company&rsquo;s and its Affiliates&rsquo; ability to attract and retain highly qualified officers and key employees, and to
motivate such persons to serve the Company and its Affiliates and to expend maximum effort to improve the business results and
earnings of the Company, by providing to such persons an opportunity to acquire or increase a direct proprietary interest in the
operations and future success of the Company. To this end, the Plan provides for the grant of Unrestricted Stock (as defined below)
and cash awards to select officers and key employees. These awards are designed to be performance-based incentives to reward attainment
of annual and long-term performance goals.</P>

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<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in">2.</TD><TD>DEFINITIONS</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">For purposes of the Plan and related
documents, the following terms shall have the following meanings:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">&ldquo;Affiliate&rdquo; means, with respect
to the Company, Chemung Canal Trust Company, and any company or other trade or business that controls, is controlled by or is under
common control with the Company within the meaning of Rule 405 of Regulation C under the Securities Act, including without limitation,
any subsidiary of the Company within the meaning of Section&nbsp;424(f) of the Code.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">&ldquo;Board&rdquo; means the Board of
Directors of Chemung Financial Corporation.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">&ldquo;Code&rdquo; means the Internal
Revenue Code of 1986, as now in effect or as hereafter amended.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">&ldquo;Committee&rdquo; means a committee
of, and designated from time to time by resolution of the Board, which shall be constituted as provided in Section 3.2.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">&ldquo;Common Stock&rdquo; means the
common stock of the Company.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">&ldquo;Director&rdquo; means a member
of the Boards of Directors of Chemung Financial Corporation and of Chemung Canal Trust Company.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">&ldquo;Exchange Act&rdquo; means the
Securities Exchange Act of 1934, as now in effect or as hereafter amended.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">&ldquo;Grant Price&rdquo; means the average
of the closing prices of a share of Common Stock as quoted on the applicable securities quotation service, established securities
market or established national or regional exchange for each of the prior thirty trading days ending on December 31<SUP>st</SUP>
of the calendar year in which the Performance Period occurs.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">&ldquo;Grantee&rdquo; means a person
who receives or holds an Incentive Award under the Plan.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">&ldquo;Incentive Award&rdquo; means a
grant of Unrestricted Stock or cash payable as a reward for attainment of annual or long-term performance goals pursuant to the
provisions of the Plan.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">&ldquo;Outside Director&rdquo; means
a member of the Boards of Directors of the Company and the Bank who is not an officer or employee of the Company.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">&ldquo;Performance Period&rdquo; means
the period of time during which the performance goals must be met in order to determine the degree of payout with respect to an
Incentive Award.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">&ldquo;Securities Act&rdquo; means the
Securities Act of 1933, as now in effect or as hereafter amended.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">&ldquo;Unrestricted Stock&rdquo; means
a grant of Common Stock that is free of any restrictions awarded pursuant to the provisions of this Plan.</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: bold 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in">3.</TD><TD>INCENTIVE AWARD ELIGIBILITY AND LIMITATIONS</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: bold 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">3.1.</TD><TD>Eligibility to Participate</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">Subject to this Section 3, Incentive
Awards may be made to such eligible officers or key employees of the Company or of any Affiliate (&ldquo;Participant(s)&rdquo;)
as the Board or the Committee shall determine from time to time.</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: bold 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">3.2.</TD><TD>Unrestricted Stock</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">The Board or Committee may grant Unrestricted
Stock to Participants of the Plan as it shall determine in its sole discretion. A grant of Unrestricted Stock shall be evidenced
by a written document which sets forth the number of shares of Unrestricted Stock which have been granted as part of the Incentive
Award. Each share of Unrestricted Stock shall have a value equal to the Grant Price. Pursuant to Section 4.3, the Board or Committee
shall set performance goals for each Participant which, depending on the extent to which they are met, will determine the number
of shares of Unrestricted Stock that will be granted to the Participant.</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: bold 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">3.3.</TD><TD>Limitation on Shares of Stock Subject to Awards and Cash Awards</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">During any time when the Company has
a class of equity security registered under Section 12 of the Exchange Act:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 1in">(i) &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;the maximum number of shares that
can be awarded as Unrestricted Stock under the Plan to any Participant as an Incentive Award is ten thousand (10,000) per calendar
year; and</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 1in">(ii) &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;the maximum amount that may be
earned in cash as an Incentive Award in any calendar year by any person eligible for an Incentive Award shall be $300,000.</P>

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<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in">4.</TD><TD>TERMS AND CONDITIONS OF INCENTIVE AWARDS</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: bold 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">4.1.</TD><TD>Form and Timing of Payment of Incentive Awards</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">The Board or the Committee, in its sole
discretion, may pay Incentive Awards in the form of cash or in Unrestricted Stock (or in a combination thereof) equal to the value
of the Incentive Award as soon as practicable after the end of the applicable calendar year.</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: bold 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">4.2.</TD><TD>Performance Conditions</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">The right of an eligible officer or key
employee to receive a grant or settlement of any Incentive Award, and the timing thereof, may be subject to such performance conditions
as may be specified by the Board or the Committee. The Board or the Committee may use such business criteria and other measures
of performance as it may deem appropriate in establishing any performance conditions.</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: bold 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">4.3.</TD><TD>Performance Goals Generally</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">The performance goals for Incentive Awards
shall generally consist of one or more business criteria and a targeted level or levels of performance with respect to each of
such criteria, as specified by the Board or the Committee. Performance goals shall be objective and shall include the requirement
that the level or levels of performance targeted by the Board or the Committee result in the achievement of the specified performance
goals. The Board or the Committee may determine that Incentive Awards shall be granted upon achievement of any one performance
goal or that two or more of the performance goals must be achieved as a condition to grant.</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: bold 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">4.4.</TD><TD>Timing For Establishing Performance Goals</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">Performance goals shall be established
not later than 90 days after the beginning of any performance period applicable to such Incentive Awards, or at such other date
as may be determined by the Board or the Committee.</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: bold 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">4.5.</TD><TD>Adjustment of Incentive Awards</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">The Board or Committee shall retain the
discretion to adjust Incentive Awards upward or downward, either on a formula or discretionary basis, or any combination as the
Board or Committee determines.</P>

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<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in">5.</TD><TD>ADMINISTRATION OF THE PLAN</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: bold 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">5.1.</TD><TD>Board</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">The Board shall have such powers and
authorities related to the administration of the Plan, as are consistent with the Company&rsquo;s certificate of incorporation
and by-laws of the Company and applicable law. The Board shall have full power and authority to take all actions and to make all
determinations required or provided for under the Plan and shall have full power and authority to take all such other actions and
make all such other determinations not inconsistent with the specific terms and provisions of the Plan that the Board deems to
be necessary or appropriate to the administration of the Plan. The interpretation and construction by the Board of any provision
of the Plan, shall be final, binding and conclusive.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: bold 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">5.2.</TD><TD>Committee</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">The Board from time to time may delegate
to the Committee such powers and authorities related to the administration and implementation of the Plan, as set forth in Section
3.1 above and other applicable provisions, as the Board shall determine, consistent with the certificate of incorporation and by-laws
of the Company and applicable law.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 1in">(i) &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Except as provided in subsection
(ii) below and except as the Board may otherwise determine, the Committee, if any, appointed by the Board to administer the Plan
shall consist of two or more Outside Directors of the Company who: (a) qualify as &ldquo;outside directors&rdquo; within the meaning
of Section 162(m) of the Code and who (b) meet such other requirements as may be established from time to time by the Securities
and Exchange Commission for plans intended to qualify for exemption under Rule 16b-3 (or its successor) under the Exchange Act
and who (c) comply with the independence requirements of the stock exchange or securities association on which the Common Stock
is listed.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 1in">(ii) &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Board may also appoint one
or more separate committees of the Board, each composed of one or more Directors of the Company who need not be Outside Directors,
who may administer the Plan with respect to employees who are not executive officers or Directors of the Company, who may grant
Awards under the Plan to such employees, and may determine all terms of such Awards.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">In the event that the Plan provides for
any action to be taken by or determination to be made by the Board, such action may be taken or such determination may be made
by the Committee if the power and authority to do so has been delegated to the Committee by the Board as provided for in this Section.
Unless otherwise expressly determined by the Board, any such action or determination by the Committee shall be final, binding and
conclusive. To the extent permitted by law, the Committee may delegate its authority under the Plan to a member of the Board.</P>

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<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">5.3.</TD><TD>No Liability</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">No member of the Board or of the Committee
shall be liable for any action or determination made in good faith with respect to the Plan.</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: bold 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">5.4.</TD><TD>Share Issuance/Book-Entry</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">Notwithstanding any provision of this
Plan to the contrary, the issuance of Common Stock under the Plan may be evidenced in such a manner as the Board, in its discretion,
deems appropriate, including, without limitation, book-entry registration or issuance of one or more Common Stock certificates.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: bold 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">5.5.</TD><TD>Amendment and Termination of the Plan</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">The Board may, at any time and from time
to time, amend, suspend, or terminate the Plan as to any shares of Common Stock as to which Incentive Awards have not been made.
An amendment shall be contingent on the approval of the Company&rsquo;s shareholders to the extent stated by the Board, required
by applicable law or required by applicable stock exchange or securities association listing requirements. In addition, an amendment
will be contingent on approval of the Company&rsquo;s shareholders if the amendment would: (i) materially increase the benefits
accruing to participants under the Plan; (ii) materially increase the aggregate number of shares of Common Stock that may be issued
under the Plan; or (iii) materially modify the requirements as to the eligibility for participation in the Plan. No Incentive Award
shall be made after termination of the Plan. No amendment, suspension, or termination of the Plan shall, without the consent of
the Grantee, impair rights or obligations under any Incentive Award theretofore awarded under the Plan.</P>

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<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in">6.</TD><TD>REQUIREMENTS OF LAW</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: bold 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">6.1.</TD><TD>General</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">The Company shall not be required to
issue any shares of Common Stock under any Incentive Award if the issuance of such shares would constitute a violation by the Grantee,
or the Company of any provision of any law or regulation of any governmental authority, including without limitation any federal
or state securities laws or regulations. If at any time the Company shall determine, in its discretion, that the listing, registration
or qualification of any shares subject to an Incentive Award upon any securities exchange or under any governmental regulatory
body is necessary or desirable as a condition of, or in connection with, the issuance or purchase of shares hereunder, no shares
of Common Stock may be issued to the Grantee unless such listing, registration, qualification, consent or approval shall have been
effected or obtained free of any conditions not acceptable to the Company, and any delay caused thereby shall in no way affect
the date of termination of the Award. The Company may, but shall in no event be obligated to, register any securities covered hereby
pursuant to the Securities Act.</P>

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<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">6.2.</TD><TD>Rule 16b-3</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">During any time when the Company has
a class of equity security registered under Section 12 of the Exchange Act, it is the intent of the Company that Common Stock distributed
pursuant to the Plan will qualify for the exemption provided by Rule 16b-3 under the Exchange Act. To the extent that any provision
of the Plan or action by the Board does not comply with the requirements of Rule 16b-3, it shall be deemed inoperative to the extent
permitted by law and deemed advisable by the Board, and shall not affect the validity of the Plan. In the event that Rule 16b-3
is revised or replaced, the Board may exercise its discretion to modify this Plan in any respect necessary to satisfy the requirements
of, or to take advantage of any features of, the revised exemption or its replacement.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt"></P>

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<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in">7.</TD><TD>EFFECT OF CHANGES IN CAPITALIZATION</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: bold 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">7.1.</TD><TD>Changes in Common Stock</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">In the event of any change in corporate
capitalization, such as a stock split, or a corporate transaction, such as any merger, consolidation, separation, including a spin-off,
or other distribution of stock or property of the Company, any reorganization (whether or not such reorganization comes within
the definition of such term in Internal Revenue Code Section 368) or any partial or complete liquidation of the Company, such adjustment
shall be made in the number and class of shares of Common Stock which may be delivered under the Plan as may be determined to be
appropriate and equitable by the Company Board, in its sole discretion, to prevent dilution or enlargement of rights. Adjustments
under this Section 7.1 shall be made by the Board, whose determination in that respect shall be final, binding and conclusive.
No fractional shares or other securities shall be issued pursuant to any such adjustment, and any fractions resulting from any
such adjustment shall be eliminated in each case by rounding downward to the nearest whole share.</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: bold 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">7.2.</TD><TD>No Limitations on Company</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">The making of Incentive Awards pursuant
to the Plan shall not affect or limit in any way the right or power of the Company to make adjustments, reclassifications, reorganizations,
or changes of its capital or business structure or to merge, consolidate, dissolve, or liquidate, or to sell or transfer all or
any part of its business or assets.</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: bold 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in">8.</TD><TD>GENERAL PROVISIONS</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: bold 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">8.1.</TD><TD>Disclaimer of Rights</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">No provision in the Plan shall be construed
to confer upon any individual the right to remain in the employ or service of the Company or any Affiliate, or to interfere in
any way with any contractual or other right or authority of the Company either to increase or decrease the compensation or other
payments to any individual at any time, or to terminate any employment or other relationship between any individual and the Company.
The obligation of the Company to pay any benefits pursuant to the Plan shall be interpreted as a contractual obligation to pay
only those amounts described herein, in the manner and under the conditions prescribed herein.</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: bold 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">8.2.</TD><TD>Nonexclusivity of the Plan</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">Neither the adoption of the Plan, nor
the submission of the Plan to the shareholders of the Company for approval shall be construed as creating any limitations upon
the right and authority of the Board to adopt such other incentive compensation arrangements (which arrangements may be applicable
either generally to a class or classes of individuals or specifically to a particular individual or particular individuals) as
the Board in its discretion determines desirable, including, without limitation, the granting of stock options.</P>

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<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: bold 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">8.3.</TD><TD>Captions</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">The use of captions in the Plan is for
the convenience of reference only and shall not affect the meaning of any provision of the Plan or Award Agreement.</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: bold 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 0.5in">&nbsp;</TD>
    <TD STYLE="width: 0.5in">8.4.</TD>
    <TD>Severability</TD></TR>
</TABLE>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">If any provision of the Plan shall be
determined to be illegal or unenforceable by any court of law in any jurisdiction, the remaining provisions hereof and thereof
shall be severable and enforceable in accordance with their terms, and all provisions shall remain enforceable in any other jurisdiction.</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: bold 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">8.5.</TD><TD>Governing Law</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">The validity and construction of this
Plan, and the instruments evidencing the Incentive Awards under the Plan shall be governed by the laws of the State of New York,
other than any conflicts or choice of law rule or principle that might otherwise refer construction or interpretation of this Plan,
and the instruments evidencing the Incentive Awards granted under the Plan to the substantive laws of any other jurisdiction.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">To record adoption of the Plan by the
Board as of January 1, 2012, and approval of the Plan by the shareholders on __________, 2012, the Company has caused its authorized
officer to execute this document.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

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    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-right: 0; padding-left: 0; text-indent: 0">CHEMUNG FINANCIAL CORPORATION</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="width: 0.5in; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="width: 3in; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-bottom: 3pt; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-bottom: 3pt; padding-right: 0; padding-left: 0; text-indent: 0">By:</TD>
    <TD STYLE="padding-bottom: 3pt; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-bottom: 3pt; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-bottom: 3pt; padding-right: 0; padding-left: 0; text-indent: 0">Title:</TD>
    <TD STYLE="padding-bottom: 3pt; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 3pt">&nbsp;</P>



<P STYLE="margin: 0">&nbsp;</P>

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<BODY STYLE="font: 10pt Times New Roman, Times, Serif">

<P STYLE="margin: 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>Exhibit 10.4</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>CHEMUNG FINANCIAL CORPORATION</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>DIRECTORS&rsquo; COMPENSATION PLAN</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>(As Amended and Restated effective January
1, 2012)</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in">1.</TD><TD STYLE="text-align: justify">PURPOSE:</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">The purpose of the Directors&rsquo;
Compensation Plan (the &ldquo;Plan&rdquo;) is to enable the Chemung Financial Corporation (the &ldquo;Company&rdquo;) to attract
and retain persons of exceptional ability to serve as directors of the Company and of Chemung Canal Trust Company (the &ldquo;Bank&rdquo;)
and to further align the interests of directors and stockholders in enhancing the value of the common stock of the Company. The
Plan was originally established to provide for the cash payment of an annual retainer and fees to non-employee directors serving
on the Board of Directors of the Company and the Bank. The Plan was amended December 21, 2005 to provide (i) payment of additional
compensation to each non-employee director in shares of the Company&rsquo;s common stock in an amount equal to the total cash compensation
earned by each non-employee director during the year for service on the Board of Directors of each of the Company and the Bank,
and for each year of service thereafter, to be distributed from treasury shares on or about January 15 following the calendar year
of service; and (ii) payment to the President and CEO of the Company and the Bank for his service on the Boards of Directors of
the Company and the Bank in an amount equal in value to the average compensation awarded to non-employee directors who have served
twelve (12) months of the previous year. The Plan is hereby further amended and restated, effective January 1, 2012, to add provisions
regarding the grant price of the stock awards.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in">2.</TD><TD STYLE="text-align: justify">DEFINITIONS:</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">For purposes of the Plan,
the following terms shall have the following meanings:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&ldquo;Annual Retainer&rdquo;
shall mean the annual retainer payable to a director serving on the Board of Directors of the Bank and the Company under the Company&rsquo;s
compensation policies for directors in effect from time to time.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&ldquo;The Company Board&rdquo;
shall mean the Board of Directors of Chemung Financial Corporation.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&ldquo;Common Stock&rdquo;
means the common stock of the Company.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&ldquo;Fees&rdquo; shall
mean the amount, as determined under the Company&rsquo;s compensation policies for directors in effect from time to time, payable
to a director, in cash and/or in shares of the Common Stock, for attendance at meetings of the full Board of Directors of the Company
and the Bank, and for each committee meeting attended. One fee is paid for attendance at meetings that serve both the Company and
the Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&ldquo;Grant Price&rdquo;
means the average of the closing prices of a share of Common Stock as quoted on the applicable securities quotation service, established
securities market or established national or regional exchange for each of the prior thirty trading (30) days ending on December
31<SUP>st</SUP> of the Year of Service.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&ldquo;Payment Date&rdquo;
of the Annual Retainer and Fees means the date on or about January 15 following the Year of Service.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&ldquo;Year of Service&rdquo;
means the calendar year.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in">3.</TD><TD STYLE="text-align: justify">ADMINISTRATION:</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">The Company Board shall
be responsible for administering the Plan. The Company Board shall have all of the powers necessary to enable it to properly carry
out its duties under the Plan. Not in limitation of the foregoing, the Company Board shall have the power to construe and interpret
the Plan and to determine all questions that shall arise thereunder. The Company Board shall have such other and further specified
duties, powers, authority and discretion as are elsewhere in the Plan either expressly or by necessary implication conferred upon
it. The Company Board may appoint such agents as it may deem necessary for the effective performance of its duties, and may delegate
to such agents such powers and duties as the Company may deem expedient or appropriate that are not inconsistent with the intent
of the Plan. The decision of the Company Board upon all matters within its scope of authority shall be final and conclusive on
all persons, except to the extent otherwise provided by law.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in">4.</TD><TD STYLE="text-align: justify">SHARES AVAILABLE:</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">The maximum number of shares
of Common Stock that may be delivered under the Plan shall not exceed twenty thousand (20,000) per calendar year. Shares delivered
under the Plan may be original issue shares, treasury shares, authorized but unissued shares or shares purchased in the open market,
all as determined by the Company Board from time to time.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in">5.</TD><TD STYLE="text-align: justify">SHARES FOR ANNUAL RETAINER AND FEES:</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">The total number of shares
of Common Stock to be issued with respect to the Annual Retainer and Fees payable to directors serving on the Boards of the Company
and the Bank shall be determined by dividing the total amount of such Annual Retainer and Fees by the Grant Price of the Common
Stock. Any fractional shares shall be rounded up to the next whole share. Certificates for the shares of Common Stock payable under
this Section shall be delivered as soon as practicable after the Payment Date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in">6.</TD><TD STYLE="text-align: justify">ADJUSTMENTS IN AUTHORIZED SHARES:</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">In the event of any change
in corporate capitalization, such as a stock split, or a corporate transaction, such as any merger, consolidation, separation,
including a spin-off, or other distribution of stock or property of the Company, any reorganization (whether or not such reorganization
comes within the definition of such term in Internal Revenue Code Section 368) or any partial or complete liquidation of the Company,
such adjustment shall be made in the number and class of shares of Common Stock which may be delivered under the Plan as may be
determined to be appropriate and equitable by the Company Board, in its sole discretion, to prevent dilution or enlargement of
rights.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in">7.</TD><TD STYLE="text-align: justify">RESALE OF SHARES:</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">The Company may impose
such restrictions on the sale or other disposition of shares issued under this Plan as the Company Board deems necessary to comply
with applicable securities laws. Certificates for shares issued under this Plan may bear such legends as the Company deems necessary
to give notice of such restrictions.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in">8.</TD><TD STYLE="text-align: justify">COMPLIANCE WITH LAW AND OTHER CONDITIONS:</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">No shares shall be issued
under this Plan prior to compliance by the Company, to the satisfaction of its counsel, with any applicable laws. The Company shall
not be obligated to (but may in its discretion) take any action under applicable federal or state securities laws (including registration
or qualification of the Plan or the Common Stock) necessary for compliance therewith in order to permit the issuance of shares
hereunder, except for actions (other than registration or qualification) that may be taken by the Company without unreasonable
effort or expense and without the incurrence of any material exposure to liability.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in">9.</TD><TD STYLE="text-align: justify">AMENDMENT, MODIFICATION AND TERMINATION OF THE PLAN:</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">The Company Board shall
have the right and power at any time and from time to time to amend the Plan in whole or in part and at any time to terminate the
Plan; provided, however, that an amendment to the Plan may be conditioned on the approval of the stockholders of the Company if
and to the extent the Company Board determines that stockholder approval is necessary and appropriate. No amendment, modification
or termination of the Plan shall adversely affect in any material way the payment of any Annual Retainer and Fees earned for services
provided by a director(s) to the Boards of the Company and the Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in">10.</TD><TD STYLE="text-align: justify">MISCELLANEOUS:</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">The Plan shall be construed,
administered, regulated and governed in all respects under and by the laws of the United States to the extent applicable, and to
the extent such laws are not applicable, by the laws of the state of New York. The Plan shall be binding on the Company and any
successor in interest of the Company.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">IN WITNESS WHEREOF, Chemung
Financial Corporation has caused this Plan to be executed by its duly authorized officer as of the day and year first above written.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 3in; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify">CHEMUNG FINANCIAL CORPORATION</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify">President and Chief Executive Officer</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify">&nbsp;</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>



<P STYLE="margin: 0"></P>

<P STYLE="margin: 0">&nbsp;</P>

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<DESCRIPTION>EX-10.5
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<P STYLE="margin: 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>Exhibit 10.5</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">CHEMUNG FINANCIAL CORPORATION</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">CHEMUNG CANAL TRUST COMPANY</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">Amended and Restated</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">Directors&rsquo; Deferred Fee Plan</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">This amended and restated
Deferred Directors Fee Plan (the &quot;Plan&quot;) adopted by the Board of Directors of Chemung Financial Corporation and Chemung
Canal Trust Company, hereinafter together referred to as the &ldquo;Corporation,&rdquo; this 21st day of December, 2005.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">WHEREAS on December 15,
2004 the Board adopted an amendment to its Plan which incorporated by reference the changes to deferred compensation enacted by
the American Jobs Creation Act of 2004 (P.L. 108-357) which added &sect; 409A to the Internal Revenue Code (the&nbsp;&quot;Code&quot;);
and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">WHEREAS the Board has elected
to amend the Plan to comply with &sect; 409A of the Code with respect to amounts deferred or vested after December 31, 2004 and
does not intend this amendment and restatement to constitute a material amendment to the Plan as such term is used in Code &sect;
409A(d)(2)(B) but rather that it will not affect the treatment of fees deferred and vested under the Plan prior to January 1, 2005;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">NOW, THEREFORE, effective
January 1, 2005, the Plan is being amended and restated in its entirety as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">Any Director may elect
from time to time that payment of all or any part of the annual retainer thereafter payable to him or her and that payment of all
or any part of the fees thereafter earned by him or her for attendance at subsequent meetings of the full Board of Directors and
at subsequent meetings of committees of the Board of Directors (such annual retainer and fees for attendance being hereinafter
collectively referred to as &ldquo;fees&rdquo;) be deferred on the following terms:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">1) ELECTION &ndash; All
elections must be in writing in a Participation Agreement signed by the Director, which Participation Agreement shall designate
the time and manner of payment of all fees deferred pursuant thereto. Any election to defer compensation shall be effective only
with respect to compensation for services performed on or after January 1 of the year following the year in which the election
is made. An election to defer compensation shall become irrevocable with respect to compensation for services performed within
a given year on December 31 of the year preceding the year in which the services are to be performed.<FONT STYLE="background-color: white">
</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">An election as to the time
and manner of payment of deferred fees may be amended to further defer the commencement of payment or to extend the period of payment,
provided such amendment is made at least twelve (12) months before the first payment of deferred fees would have been made under
the Director&rsquo;s existing election. Such an amended election shall not be effective for twelve (12) months and no payment under
such an amended election shall be made earlier than five (5) years after the date that the first payment would have otherwise been
made under the Director&rsquo;s existing election, except as expressly allowed under Code &sect; 409A of the Code and the regulations
and other guidance issued thereunder.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">2) PERIOD OF ELECTIONS
&ndash; Each election shall continue in effect as to all fees thereafter earned as above provided by the electing Director until
revoked by written instrument signed by such Director. Any such revocation shall be effective only with respect to compensation
for services to be performed on or after January 1 of the year following the year in which the revocation occurs, and shall not
be effective with regard to any compensation with respect to which an election has become irrevocable under the terms of this Plan.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">3) SUCCESSIVE ELECTIONS
&ndash; A Director who revokes an election may make a new election at any time thereafter as to fees to be earned on or after January
1 of the year following the year in which such new election is made, but the prior revoked election shall govern the time and manner
of payment of all fees deferred pursuant thereto, except as otherwise specifically allowed hereunder.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">4) ACCOUNTING FOR DEFERRED
FEES &ndash; Deferred fees shall be a general unfunded liability of Chemung Canal Trust Company (&ldquo;the Bank&rdquo;). No separate
fund shall be set aside or earmarked for their payment. Neither shall any Director have a right nor shall security interest in
any asset of the Bank and no trust or security interest be implied as a result thereof. A Director may designate, in increments
of 10%, the compensation to be deferred, or compensation already deferred, to be allocated to a Memorandum Money Market or a Memorandum
Unit Value Account, or a combination of such accounts, provided, however, that effective October 1, 1997, amounts allocated to
the Memorandum Unit Value Account as of October 1, 1997 or thereafter and earnings thereon may not thereafter be transferred to
the Memorandum Money Market Account. Any change in such designation between the accounts may be made no later than the last day
of each March, June, September and December during the deferral period to be effective on the date next following such notification
that compensation would have been paid in accordance with the Bank&rsquo;s normal practice but for the election to defer.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in">a)</TD><TD STYLE="text-align: justify">Memorandum Money Market Account &ndash; A memorandum account shall be kept of the deferred fees
by each Director with the balance in said memorandum account to be credited with interest compounded quarterly on the average balance
during each such calendar quarter at a rate during each calendar quarter equal to the Applicable Federal Rate for short-term debt
instruments as computed and published by the Internal Revenue Service for the month immediately preceding the calendar quarter
for which the interest computation is being made.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.5in; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in">b)</TD><TD STYLE="text-align: justify">Memorandum Unit Value &ndash; The amount, if any, in or allocated to the Director&rsquo;s deferred
compensation Unit Value Account on the dates compensation would have been paid in accordance with normal practice but for the election
to defer, shall be expressed in units on a quarterly basis, the number of which shall be calculated as of the last trading day
of each quarter and shall be equal to the sum of the quarterly retainer and other fees received by the Director in such quarter
divided by the closing bid price for shares of the Corporation&rsquo;s Common Stock (hereinafter referred to as &ldquo;Market Value&rdquo;)
on such date. On each date that the Corporation pays a regular cash dividend on shares of its Common Stock outstanding, the Director&rsquo;s
account shall be credited with a number of units equal to the amount of such dividend per share multiplied by the number of units
in the Director&rsquo;s account on such date divided by the Market Value on such dividend date. The value of the units in the Director&rsquo;s
Unit Value Account on any given date shall be determined by reference to the Market Value on such date. If a valuation date shall
not be a trading day, the Market Value on such valuation date shall be deemed to be the Market Value on the trading day next preceding
such date.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.5in; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in">c)</TD><TD STYLE="text-align: justify">Recapitalization &ndash; The number of units in the Director&rsquo;s Unit Value Account shall be
proportionally adjusted for any increase or decrease in the number of issued shares of Common Stock of the Corporation resulting
from a subdivision or consolidation of shares or other capital adjustment, or the payment of a stock dividend or other increase
or decrease in such shares, effected without receipt of consideration by the Bank, or any distribution or spin-off of assets (other
than cash to the stockholders of the Corporation).</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">5) TIME OF PAYMENT &ndash;
At the election of an electing Director, deferred fees shall be paid to him or her, or payment thereof to him or her, shall commence
either:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">a)</TD><TD STYLE="text-align: justify">at a specified age indicated in the Director&rsquo;s Participation Agreement, or</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.5in; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">b)</TD><TD STYLE="text-align: justify">at a specified time permitted under the provisions of this Plan, as indicated in the Director&rsquo;s
Participation Agreement,</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.5in; text-align: justify">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.5in; text-align: justify"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">c)</TD><TD STYLE="text-align: justify">at the termination of the Director&rsquo;s service with Chemung Canal Trust Company; provided,
however, that if a Director attains the age of 72 years prior to his or her separation from service, payment shall commence in
such year and shall be made in the amounts and at the intervals specified in the Director&rsquo;s Participation Agreement with
respect to payment upon a separation from service, or</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">d)</TD><TD STYLE="text-align: justify">upon the occurrence of a Change in Control Event, as provided in Section 9 of this Plan.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 1in; text-align: justify; text-indent: -0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">6) MANNER OF PAYMENT &ndash;
A Director may elect to receive the compensation deferred under the plan in either (a) a lump sum, or (b) a number of annual installments
as specified by the Director in his or her executed Participation Agreement. All amounts distributed to a Director, his or her
personal representatives or beneficiaries in the Director&rsquo;s Money Market Account shall be paid in cash and, effective October
1, 1997, all amounts in the Director&rsquo;s Unit Value Account shall be paid in the form of shares of the Corporation&rsquo;s
Common stock.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">7) DEATH &ndash; At the
death of an electing Director, the entire balance of his or her account shall be paid in a lump sum to his or her personal representatives
or, if the Director has named a&nbsp;beneficiary and such beneficiary survives the Director, in a lump sum or in installments of
not more than 10 years as elected in the Director&rsquo;s Participation Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">8) TOTAL AND PERMANENT
DISABILITY &ndash; Upon satisfactory proof of a Director&rsquo;s becoming disabled, the Board of Directors shall direct the payment
of the entire balance of his or her account to the Director or the commencement of installment payments to him or her, in accordance
with such Director's election in his or her Participation Agreement. A Director shall be deemed disabled for the purposes of this
Plan if, due to a medically determinable physical or mental impairment that can be expected to result in death or can be expected
to last for a&nbsp;continuous period of at least twelve (12) months, the Director either (1) is unable to engage in any substantial
gainful activity, or (2) is receiving income replacement benefits for a period of at least 3 months under an accident or health
plan covering employees of the Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">9) CHANGE IN CONTROL OR
OWNERSHIP &ndash; Upon the occurrence of a Change in Control Event, the Board shall notify, by certified mail, each Director or
former Director who has at such time a Director&rsquo;s Unit Value Account within thirty (30) days of such event. Each&nbsp;such
Director or former Director shall have thirty (30) days from the date of such notice to elect to receive all of his or her Director&rsquo;s
Unit Value Account in one lump sum payment. Upon&nbsp;such an election, the amount elected to be paid shall be sent by the Corporation
to the address designated by such Director or former Director within fifteen (15) days of such election. A&nbsp;&ldquo;Change in
Control Event&rdquo; shall mean a Change in Control or Change in Ownership of the Bank or a Change in Asset Ownership with respect
to the Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&ldquo;Change in Control&rdquo;
shall mean: either (1) the event in which one person or multiple persons acting as a group acquire (or have acquired during the
12-month period ending on the date of the most recent acquisition by such person or persons) ownership of stock of the Corporation
possessing thirty-five percent (35%) or more of the total voting power of the stock of the Corporation; or (2) the event in which
a majority of members of the Board is replaced during any twelve (12) month period by directors whose appointment or election is
not endorsed by a majority of the members of the Board prior to the date of the appointment or election.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&ldquo;Change in Ownership&rdquo;
shall mean the event in which one person or multiple persons acting as a group acquire ownership of stock of the Corporation that,
together with stock already held by the person or group, constitutes more than fifty percent (50%) of the fair market value or
total voting power of the stock of the Corporation, provided that the person or group does not own more than fifty percent (50%)
of the fair market value or total voting power of such stock prior to the acquisition.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="background-color: white">&nbsp;</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&ldquo;Change in Asset
Ownership&rdquo; shall mean the event in which one person or multiple persons acting as a group acquire (or have acquired during
the twelve (12) month period ending on the date of the most recent acquisition by such person or person) assets from the Corporation
that have a total gross fair market value that equals or exceeds forty percent of the fair market value of all of the assets of
the Corporation immediately prior to such acquisition or acquisitions.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">10) ACCELERATION OF PAYMENTS
&ndash; No Director shall be permitted to accelerate the timing or schedule of any payment made under this Plan, except in any
one of the following situations:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.7in">a)</TD><TD STYLE="text-align: justify"><U>Domestic Relations Orders</U>: The Plan shall permit a participating Director to accelerate
the time or schedule of a payment to an individual other than the Director as is necessary to fulfill any judgment, decree, or
order made pursuant to a state domestic relations law that relates to the provision of child support, alimony payments, or marital
property rights to a spouse, former spouse, child or other dependent of the Director</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 1.2in; text-align: justify; text-indent: -0.7in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.7in">b)</TD><TD STYLE="text-align: justify"><U>Employment Taxes</U>: The Plan shall permit a participating Director to accelerate the time
or schedule of a payment to pay: (i) Federal Insurance Contributions Act (FICA) taxes imposed under Sections 3101 and 3121(v)(2)
of the Code on compensation deferred under the Plan (the &ldquo;FICA amount&rdquo;); (ii) income tax at source on wages imposed
under Section 3401 on the FICA amount; and (iii) additional income tax at source on wages attributable to pyramiding Section 3401
wages and taxes. The amount of any payment accelerated under this subsection (b) shall not exceed the aggregate of the FICA amount
and the income tax withholding related to such an amount.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 1.2in; text-align: justify; text-indent: -0.7in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.7in">c)</TD><TD STYLE="text-align: justify"><U>De Minimis Cash-Out</U>: The Plan shall permit a participating Director to accelerate the time
or schedule of a payment to the Director upon the Director&rsquo;s termination of all of his or her interest in the Plan, provided
that the payment is made on or before the later of December 31 of the calendar year in which the Director separates from service
or the date two and one-half (2 &frac12;) months after the Director&rsquo;s separation from service, and that the payment does
not exceed $10,000. Payment under the terms of this subsection (c) shall be made in one lump sum payment. No Director shall be
permitted any election with respect to the receipt of such lump sum payment.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 1.2in; text-align: justify; text-indent: -0.7in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.7in">(d)</TD><TD STYLE="text-align: justify"><U>Failure of the Plan to Qualify Under Section 409A</U>: The Plan shall permit a&nbsp;participating
Director to accelerate the time or schedule of payment to the Director at any time the Plan is determined to have failed to meet
the requirements of &sect;409A of the Code and any regulations thereunder. Payment under this paragraph shall not exceed the amount
the Director is required to include in his or her gross income as a result of the Plan&rsquo;s failure to comply with such requirements.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 1in; text-align: justify; text-indent: -0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">11) TRANSFER, PLEDGE OR
SEIZURE &ndash; Title to deferred fees shall not vest in a&nbsp;Director until actual payment thereof is made by the Corporation
in accordance with the provisions of this Plan. A Director may not transfer, assign, pledge, hypothecate or encumber in any way
any interest in such deferred fees prior to the actual receipt thereof. If a Director attempts to transfer, assign or encumber
any interest in his or her deferred fees, or any part thereof, prior to the payment or distribution thereof to him or her, or if
any transfer or seizure of such deferred fees is attempted to be made or brought about through the operation of any bankruptcy
or insolvency law or other legal procedure, the rights of the Director taking such action or concerned therein or affected thereby
or who would, but for this provision, be entitled to receive such deferred fees, shall forthwith and ipso facto terminate and the
Bank may thereafter, in its absolute discretion at such time or times and in such manner as it deems proper, cause the whole or
any part of the balance of the Director&rsquo;s account to be paid to any person or persons, including any spouse or child of the
Director, as the Bank in its uncontrolled discretion shall deem advisable.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">12) AMENDMENT OR REPEAL
&ndash; This Plan may be amended or repealed in whole or in part at any time by the Bank, but no such amendment or repeal shall
alter the time or manner of the payment of fees, the payment of which has theretofore been deferred pursuant hereto, except as
expressly allowed herein.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">13) COORDINATION WITH &sect;409A
&ndash; The provisions of this Plan are intended to grant participating Directors any and all rights with respect to deferral elections,
the change or amendment of deferral elections, the distribution of amounts of compensation deferred, the revocation of deferral
elections, and the acceleration of payments, to the fullest extent permitted by &sect;409A of the Internal Revenue Code and any
guidance and regulations issued thereunder. In&nbsp;the event that &sect;409A or any final regulation or guidance promulgated thereunder
would permit any right or privilege beneficial to participants in this Plan, including, but not limited to any right or privilege
with respect to deferral of compensation, distribution of deferred compensation, acceleration of any payment, or the change or
amendment of any deferral election, that exceeds any corresponding right or privilege afforded under the provisions of this Plan
or is a right or privilege not afforded under this Plan, the Plan shall be deemed amended to incorporate such new or greater right
or privilege to the greatest extent permitted without making any participating Director subject to the penalty or interest provisions
of &sect;409A or of any regulation promulgated thereunder.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">14) REMEDIAL AMENDMENT
&ndash; The provisions of this Plan are intended to qualify under &sect;409A of the Code, as added by the American Jobs Creation
Act of 2004, and any regulations and guidance promulgated thereunder. The Board, the Bank, and any and all Directors participating
in this plan agree to take such action or to refrain from acting, as the case may be, to the extent required to comply with such
statute, regulations, and guidance. To the extent that any provision of this Plan should cause the Plan to fail to qualify under
&sect;409A or any regulations or guidance promulgated thereunder, such provision, together will all elections thereunder, shall
be deemed to be amended to the extent required to comply with the requirements of such statute, regulations or guidance.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">IN WITNESS WHEREOF, the
parties hereto have executed this Agreement this _____ day of ___________________________.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 0; padding-left: 0; text-align: justify; text-indent: 0">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="padding-right: 0; padding-left: 0; text-align: justify; text-indent: 0"><FONT STYLE="font-size: 10pt">CHEMUNG CANAL TRUST COMPANY</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 0; padding-left: 0; text-align: justify; text-indent: 0">&nbsp;</TD>
    <TD STYLE="width: 0.5in; padding-right: 0; padding-left: 0; text-align: justify; text-indent: 0">&nbsp;</TD>
    <TD STYLE="width: 0.5in; padding-right: 0; padding-left: 0; text-align: justify; text-indent: 0">&nbsp;</TD>
    <TD STYLE="width: 3in; padding-right: 0; padding-left: 0; text-align: justify; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 0; padding-left: 0; text-align: justify; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-right: 0; padding-left: 0; text-align: justify; text-indent: 0"><FONT STYLE="font-size: 10pt">By </FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding-right: 0; padding-left: 0; text-align: justify; text-indent: 0">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding-right: 0; padding-left: 0; text-align: justify; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 0; padding-left: 0; text-align: justify; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-right: 0; padding-left: 0; text-align: justify; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-right: 0; padding-left: 0; text-align: justify; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-right: 0; padding-left: 0; text-align: justify; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 0; padding-left: 0; text-align: justify; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-right: 0; padding-left: 0; text-align: justify; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-right: 0; padding-left: 0; text-align: justify; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-right: 0; padding-left: 0; text-align: justify; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 0; padding-left: 0; text-align: justify; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-right: 0; padding-left: 0; text-align: justify; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-right: 0; padding-left: 0; text-align: justify; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-right: 0; padding-left: 0; text-align: justify; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 0; padding-left: 0; text-align: justify; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-right: 0; padding-left: 0; text-align: justify; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-right: 0; padding-left: 0; text-align: justify; text-indent: 0"><FONT STYLE="font-size: 10pt">Its</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding-right: 0; padding-left: 0; text-align: justify; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 0; padding-left: 0; text-align: justify; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-right: 0; padding-left: 0; text-align: justify; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-right: 0; padding-left: 0; text-align: justify; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-right: 0; padding-left: 0; text-align: justify; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 0; padding-left: 0; text-align: justify; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-right: 0; padding-left: 0; text-align: justify; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-right: 0; padding-left: 0; text-align: justify; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-right: 0; padding-left: 0; text-align: justify; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 0; padding-left: 0; text-align: justify; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-right: 0; padding-left: 0; text-align: justify; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-right: 0; padding-left: 0; text-align: justify; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-right: 0; padding-left: 0; text-align: justify; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 0; padding-left: 0; text-align: justify; text-indent: 0">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding-right: 0; padding-left: 0; text-align: justify; text-indent: 0">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding-right: 0; padding-left: 0; text-align: justify; text-indent: 0">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding-right: 0; padding-left: 0; text-align: justify; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 0; padding-left: 0; text-align: justify; text-indent: 0">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="padding-right: 0; padding-left: 0; text-align: justify; text-indent: 0"><FONT STYLE="font-size: 10pt">&nbsp;[Insert name of participating director]</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">CHEMUNG FINANCIAL CORPORATION</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">CHEMUNG CANAL TRUST COMPANY</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">DIRECTORS&rsquo; DEFERRED FEE PLAN</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><U>PARTICIPATION AGREEMENT</U></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">In accordance with the terms of the Deferred Directors Fee Plan,
(the &ldquo;Plan&rdquo;), as amended, I hereby elect to defer compensation payable to me as a Director of Chemung Financial Corporation
and Chemung Canal Trust Company as indicated below:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.5in">1)</TD><TD><U>AMOUNT TO BE DEFERRED (<B><I>specify percentage</I></B>):</U></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.75in">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 0.75in">&nbsp;</TD>
    <TD>a)&nbsp;&nbsp;Retainer Fee</TD>
    <TD STYLE="width: 1in; text-align: right; vertical-align: bottom">&nbsp;&nbsp;&nbsp;________</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>b)&nbsp;&nbsp;Board Meeting Fee</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">&nbsp;&nbsp;&nbsp;________</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>c)&nbsp;&nbsp;Committee Meeting Fee</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">________</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.75in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.5in">2)</TD><TD><U>ACCOUNTS TO WHICH DEFERRED AMOUNTS ARE TO BE ALLOCATED:</U></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.25in">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 0.75in">&nbsp;</TD>
    <TD>a)&nbsp;&nbsp;Money Market Account</TD>
    <TD STYLE="width: 1in; text-align: right; vertical-align: bottom">&nbsp;&nbsp;&nbsp;________</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>b)&nbsp;&nbsp;Unit Value Account</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">&nbsp;&nbsp;&nbsp;________</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt"><B>Note:&nbsp;&nbsp;Entries must total 100%</B></FONT></TD>
    <TD STYLE="text-align: right; vertical-align: bottom">&nbsp;</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.75in"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.75in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.5in">3)</TD><TD><U>PERIOD OF DEFERRAL:</U></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.25in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.75in">Beginning _________________ and continuing until revoked
by me or until the termination of my services as a director, whichever shall first occur.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.75in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.5in">4)</TD><TD><U>DISTRIBUTION ELECTION (<B><I>complete and check one</I></B>):</U></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.25in">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 0.75in">&nbsp;</TD>
    <TD STYLE="width: 0.25in">a)</TD>
    <TD>Specify date in future at which payments should be made or commence.</TD>
    <TD STYLE="width: 1in; text-align: right; vertical-align: bottom">________</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>b)</TD>
    <TD>Specify age in future at which payments should be made or commence.</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">________</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>c)</TD>
    <TD>Upon termination of service as Director</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">________</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.5in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.5in">5)</TD><TD><U>FORMS OF PAYMENT OF DEFERRED COMPENSATION PLUS INTEREST AND DIVIDENDS CREDITED THEREON
(<B><I>check one</I></B>):</U></TD></TR></TABLE>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.25in">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 0.75in">&nbsp;</TD>
    <TD STYLE="width: 0.25in">a)</TD>
    <TD>In one lump sum</TD>
    <TD STYLE="width: 1in; text-align: right; vertical-align: bottom">________</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">&nbsp;</TD></TR>
</TABLE>

<P STYLE="margin: 0">&nbsp;</P>

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<P STYLE="margin: 0"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 0.75in">&nbsp;</TD>
    <TD STYLE="width: 0.25in">b)</TD>
    <TD>In annual installments (number of annual installments required)</TD>
    <TD STYLE="text-align: right; vertical-align: bottom; width: 1in">________</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>(<B><I>Note: In the case of permanent disability, the Plan will pay in accordance with the above election).</I></B></TD>
    <TD STYLE="text-align: right; vertical-align: bottom">&nbsp;</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.25in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.5in">6)</TD><TD><U>BENEFICIARY:</U></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.75in">In the event of my death prior to the receipt of all
amounts payable to me pursuant to the Plan, the balance in my deferred compensation account shall be paid (<B><I>check one</I></B>):</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.75in">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 0.75in; padding-right: 0; padding-left: 0">&nbsp;</TD>
    <TD STYLE="width: 0.25in; padding-right: 0; padding-left: 0">a)</TD>
    <TD STYLE="padding-right: 0; padding-left: 0">To my personal representative in one lump sum</TD>
    <TD STYLE="width: 1in; padding-right: 0; text-align: right; vertical-align: bottom; padding-left: 0">________</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 0; padding-left: 0">&nbsp;</TD>
    <TD STYLE="padding-right: 0; padding-left: 0">&nbsp;</TD>
    <TD STYLE="padding-right: 0; padding-left: 0">&nbsp;</TD>
    <TD STYLE="padding-right: 0; text-align: right; vertical-align: bottom; padding-left: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 0; padding-left: 0">&nbsp;</TD>
    <TD STYLE="padding-right: 0; padding-left: 0">b)</TD>
    <TD STYLE="padding-right: 0; padding-left: 0">To ______________________________, if living, or if deceased, to_____________________________________</TD>
    <TD STYLE="padding-right: 0; text-align: right; vertical-align: bottom; padding-left: 0">________</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 0; padding-left: 0">&nbsp;</TD>
    <TD STYLE="padding-right: 0; padding-left: 0">&nbsp;</TD>
    <TD STYLE="padding-right: 0; padding-left: 0">&nbsp;</TD>
    <TD STYLE="padding-right: 0; text-align: right; vertical-align: bottom; padding-left: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 0; padding-left: 0">&nbsp;</TD>
    <TD STYLE="padding-right: 0; padding-left: 0">c)</TD>
    <TD STYLE="padding-right: 0; padding-left: 0">Other (<B><I>Please specify</I></B>) ____________________________</TD>
    <TD STYLE="padding-right: 0; text-align: right; vertical-align: bottom; padding-left: 0">________</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 0; padding-left: 0">&nbsp;</TD>
    <TD STYLE="padding-right: 0; padding-left: 0">&nbsp;</TD>
    <TD STYLE="padding-right: 0; padding-left: 0">&nbsp;</TD>
    <TD STYLE="padding-right: 0; text-align: right; vertical-align: bottom; padding-left: 0">&nbsp;</TD></TR>
</TABLE>
<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.5in">7)</TD><TD><U>CHANGE IN BENEFICIARY:</U></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.75in">The right to change any beneficiaries named in Paragraph
6 (<B><I>check one</I></B>):</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.75in">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 0.75in">&nbsp;</TD>
    <TD>a)&nbsp;&nbsp;is</TD>
    <TD STYLE="width: 1in">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;________</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>b)&nbsp;&nbsp;is not reserved</TD>
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;________</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.75in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.75in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.75in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.75in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: left">I understand that this election, once made, is
irrevocable as to compensation deferred pursuant hereto and that any change in the timing or form of payment thereof can only be
made in accordance with the Plan.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 3in; padding-right: 5.4pt; padding-left: 5.4pt; border-bottom: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="width: 3in; padding-right: 5.4pt; padding-left: 5.4pt; border-bottom: Black 1pt solid">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">Date</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">Director</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">RECEIVED BY: _______________________________</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>



<P STYLE="margin: 0">&nbsp;</P>

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<DOCUMENT>
<TYPE>EX-23.2
<SEQUENCE>9
<FILENAME>ex23-2.htm
<DESCRIPTION>EX-23.2
<TEXT>
<HTML>
<HEAD>
     <TITLE></TITLE>
</HEAD>
<BODY STYLE="font: 10pt Times New Roman, Times, Serif">

<P STYLE="margin-top: 0; text-align: center; margin-bottom: 0"><B>Exhibit 23.2</B></P>

<P STYLE="margin-top: 0; text-align: center; margin-bottom: 0"><B>&nbsp;</B></P>

<P STYLE="margin-top: 0; text-align: center; margin-bottom: 0"><B>CONSENT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING
FIRM</B></P>

<P STYLE="margin-top: 0; text-align: center; margin-bottom: 0"><B>&nbsp;</B></P>

<P STYLE="margin-top: 0; text-align: left; margin-bottom: 0"><B>&nbsp;</B></P>

<P STYLE="margin: 0">We consent to the incorporation by reference in this Registration Statement on Form S-8 of
Chemung Financial Corporation of our report dated March 13, 2014, relating to the consolidated financial statements and
effectiveness of internal control over financial reporting appearing in the Annual Report on Form 10-K of Chemung Financial
Corporation for the year ended December 31, 2013.</P>

<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="margin: 0"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; font: 10pt Times New Roman, Times, Serif; width: 100%">
<TR STYLE="vertical-align: top; text-align: left">
    <TD STYLE="width: 50%">&nbsp;</TD>
    <TD STYLE="width: 50%; text-align: center; vertical-align: bottom">/s/ Crowe Horwath LLP</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center; vertical-align: bottom">Crowe Horwath LLP</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center; vertical-align: bottom">&nbsp;</TD></TR>
</TABLE>

<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="margin: 0">Livingston, New Jersey</P>

<P STYLE="margin: 0">January 21, 2015</P>

<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="margin: 0">&nbsp;</P>

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<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>10
<FILENAME>img_001.jpg
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`
end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
