HUDSON CITY SAVINGS BANK

Providing banking services, namely, retail banking services; financial transaction, namely, Internet banking, telephone banking, ATM and debit card services, direct deposit and automated clearing house transactions, credit cards services, wiring of funds, sale and redemption of U S Savings Bonds, sale of money orders, 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