0000950123-07-002998 Sample Contracts

Hudson City Bancorp, Inc.
Retention Stock Option Agreement • March 1st, 2007 • Hudson City Bancorp Inc • Savings institutions, not federally chartered • New Jersey

This Retention Stock Option Agreement is intended to set forth the terms and conditions on which a Retention Stock Option (an “Option”) has been granted under the Hudson City Bancorp, Inc. 2006 Stock Incentive Plan (the “Plan”). Set forth below are the specific terms and conditions applicable to this Option. Attached as Exhibit A are its general terms and conditions.

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Hudson City Bancorp, Inc.
Performance Stock Option Agreement • March 1st, 2007 • Hudson City Bancorp Inc • Savings institutions, not federally chartered • New Jersey

This Performance Stock Option Agreement is intended to set forth the terms and conditions on which a Performance Stock Option (an “Option”) has been granted under the Hudson City Bancorp, Inc. 2006 Stock Incentive Plan (the “Plan”). Set forth below are the specific terms and conditions applicable to this Performance Stock Option. Attached as Exhibit A are its general terms and conditions.

Hudson City Bancorp, Inc.
Stock Option Agreement • March 1st, 2007 • Hudson City Bancorp Inc • Savings institutions, not federally chartered • New Jersey

This Stock Option Agreement is intended to set forth the terms and conditions on which a Stock Option (an “Option”) has been granted under the Hudson City Bancorp, Inc. 2006 Stock Incentive Plan. Set forth below are the specific terms and conditions applicable to this Option. Attached as Exhibit A are its general terms and conditions.

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