Hudson City Bancorp Inc. [HCBK] President & CEO to Open The NASDAQ Stock Market

Market Wire, July, 2004

What:

Ronald E. Hermance, Jr., President and Chief Executive Officer of Hudson City Bancorp Inc. (NASDAQ: HCBK) will preside over the NASDAQ Market Open.

Where:

NASDAQ MarketSite -- 4 Times Square -- 43rd & Broadway -- Broadcast Studio

When:

Wednesday, July 21, 2004 at 9:30 a.m. EST

Why:

The NASDAQ Stock Market proudly welcomes Hudson City Bancorp Inc. and its CEO Ronald E. Hermance, Jr. to the Market Open in celebration of the company's five-year listing anniversary. On July 13th, 1999, Hudson City Bancorp began trading under the ticker symbol [HCBK]. American Banker has consistently named Hudson City among the most efficient banks in the nation. Furthermore, in March 2004, the Bank was named Top Performing Savings Bank in the country by The Wall Street Journal, with a 109.2% one-year return on investment and a 58.8% three-year average return on investment.

Fast Facts:

Founded: Shortly after the Civil War in 1868
Headquarters: Paramus, New Jersey
NASDAQ Listed since: July 1999
Ticker: HCBK

Feed Information:

The market open ceremony is available from 9:20 a.m. to 9:35 a.m. on Galaxy 4R C/transponder 21. The downlink frequency is 4120 horizontal; audio: 6.2/6.8. The feed can also be found on Waterfront fiber 1623. If you have any questions, please contact the NASDAQ Traffic Department at (646) 441-5220.

About Hudson City Bancorp, Inc. [HCBK]:

Hudson City Bancorp maintains its corporate office in Paramus, New Jersey. Its wholly owned subsidiary, Hudson City Savings Bank, a well-established community financial institution serving its customers since 1868, is the largest savings bank headquartered in New Jersey with 84 full-service branches in fifteen New Jersey counties. The Federal Deposit Insurance Corporation insures Hudson City Savings' deposits.

Media Contacts: Hudson City Bancorp, Inc. [HCBK]: Lynn LaSala 201.670.7600 lynnlasala@aol.com NASDAQ MarketSite: Traffic Department 646.441.5220