H HUDSON CITY BANK ON BETTER VALUES

Banking services, namely, retail banking services; financial transaction services, namely, Internet banking, telephone banking, ATM and debit card services, direct deposit and automated clearing house transactions, credit cards services, wiring of funds, financial service for the purchase and redemption of U.S. Savings Bonds, money order services, issuing of cashier's checks and traveler's checks; loan services, namely, loan financing, overdraft checking, mortgage lending, home equity loans, commercial loans and home improvement equity loans; consumer financial services, namely, checking accounts, savings accounts, certificates of deposit, holiday and vacation club accounts, Individual retirement accounts and Self-employed Qualified Retirement Plans, rent security accounts and safety deposit box services