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