THE CORPORATE LIBRARY

Related Party Transactions and Outside Related Director Information

Hudson City Bancorp, Inc. (HCBK)

4/28/2006 Proxy Information

We do not currently make loans or extend credit to members of our Board of Directors or our executive officers. However, Hudson City Savings does make residential mortgage loans to our other employees. These loans bear interest at the same rate as loans offered to non-employee borrowers minus one-eighth or one-quarter percent, depending on the type of loan selected. The mortgage loans otherwise have the same underwriting terms that apply to non-employee borrowers. We have also made residential mortgage loans to members of the immediate families of certain of our officers and directors and to James A. Klarer prior to his becoming an executive officer. Such loans were made in the ordinary course of business, were made on substantially the same terms, including interest rates and collateral, as those prevailing at the time for comparable transactions with other persons, and did not involve more than the normal risk of collectability or present other unfavorable features.

We retain the law firm of Dieffenbach, Witt & Birchby. John D. Birchby, a director of Hudson City Bancorp and Hudson City Savings, has been a partner of Dieffenbach, Witt & Birchby since 1975. We incurred charges of $85,975 for services rendered by this firm in 2005 that were paid in 2006. In 2005, we paid a total of $36,951 in satisfaction of amounts owed for services rendered by this firm in 2004. The firm also received $1,105,200 in 2005 from borrowers of Hudson City Savings to review loan documentation. We also rented 2,450 square feet of office space to Dieffenbach Witt & Birchby in 2005. During 2005, we received lease payments of $66,176.

4/20/2005 Proxy Information

Mr. Gudelski joined Hudson City Savings as Vice President in 1969 after having been employed for 13 years at a savings bank in Connecticut. In 1971, he was elected Executive Vice President and a member of the Board of Managers. Subsequent promotions were to President and Chief Operating Officer in 1981, President and Chief Executive Officer in 1989 and Chairman, President and Chief Executive Officer in 1996. He became Chairman and Chief Executive Officer of Hudson City Savings in 1997. He served as Chief Executive Officer and as Chairman of Hudson City Bancorp from its incorporation in 1999 until he stepped down from the position of Chief Executive Officer effective January 1, 2002 and retired from the position of Chairman effective December 31, 2004.

We retain the law firm of Dieffenbach, Witt & Birchby. John D. Birchby, a director of Hudson City Bancorp, Hudson City Savings and Hudson City, MHC, has been a partner of Dieffenbach, Witt & Birchby since 1975. We incurred charges of $195,456 and paid a total of $160,789 for services rendered by this firm in 2004. We also paid a total of $1,100,711 in satisfaction of amounts owed for services rendered by this firm in years prior to 2004. The firm also received $903,375 in 2004 from borrowers of Hudson City Savings to review loan documentation. We also rented 2,450 square feet of office space to Dieffenbach Witt & Birchby in 2004. During 2004, we received lease payments of $65,652.

4/22/2004 Proxy and 8K Information

Mr. Gudelski served as an executive officer and as Chairman of Hudson City Bancorp, Inc. since its incorporation in 1999 until January 2005 and also served as Chief Executive Officer until January 2002.

We do not currently make loans or extend credit to members of our Board of Directors or our executive officers. However, Hudson City Savings does make residential mortgage loans to our other employees. These loans bear interest at the same rate as loans offered to non-employee borrowers minus one-eighth or one-quarter percent, depending on the type of loan selected. The mortgage loans otherwise have the same underwriting terms that apply to non-employee borrowers. We have also made residential mortgage loans to members of the immediate families of certain of our officers and directors. Such loans were made in the ordinary course of business, were made on substantially the same terms, including interest rates and collateral, as those prevailing at the time for comparable transactions with other persons, and did not involve more than the normal risk of collectability or present other unfavorable features.

Kenneth Birchby is the father of John D. Birchby, Esq. We retain the law firm of Dieffenbach Witt & Birchby. John D. Birchby, a director of Hudson City Bancorp, Hudson City Savings and Hudson City, MHC, has been a partner of Dieffenbach, Witt & Birchby since 1975. In 2003, we paid $36,500 of the unbilled charges for 2002 and in January 2004 we paid $208,000 to the law firm for services rendered in 2003. The firm also received $1,625,000 in 2003 from borrowers of Hudson City Savings to review loan documentation. We also rented 2,450 square feet of office space to Dieffenbach Witt & Birchby in 2003. During 2003, we received lease payments of $68,880.

4/2/2003 Proxy Information

We do not currently make loans or extend credit to members of our Board of Directors or our executive officers. However, we do make residential mortgage loans to our other employees. These loans bear interest at the same rate as loans offered to non-employee borrowers minus one-eighth or one-quarter percent, depending on the type of loan selected. The mortgage loans otherwise have the same underwriting terms that apply to non-employee borrowers. We have also made residential mortgage loans to members of the immediate families of certain of our officers and directors. Such loans were made in the ordinary course of business, were made on substantially the same terms, including interest rates and collateral, as those prevailing at the time for comparable transactions with other persons, and did not involve more than the normal risk of collectability or present other unfavorable features.

We retain the law firm of Dieffenbach Witt & Birchby. John D. Birchby, a director of Hudson City Bancorp, Hudson City Savings and Hudson City, MHC, has been a partner of Dieffenbach, Witt & Birchby since 1975. For 2002, we paid $250,000 to the law firm under our retainer agreement plus the balance of the unbilled charges for 2001 in the amount of $11,567.75 for a total of $261,567.75. The firm also received $1,245,950 in 2002 from borrowers of Hudson City Savings to review loan documentation. We also rent 2,450 square feet of office space to Dieffenbach Witt & Birchby. During 2002, we received lease payments of $62,113.

John D. Birchby is the son of Kenneth L. Birchby.