HCBK (MM)

Hudson City Bancorp, Inc. to Present at America's Community Bankers Investor Conference PARAMUS, N.J., May 10 /PRNewswire-FirstCall/ -- Hudson City Bancorp, Inc. , announced that it would participate in the America's Community Bankers Community Bank Investor Conference on Tuesday, May 11, 2004. Ronald E. Hermance, Jr., Hudson City's President and CEO, will be presenting at the conference at 8:45 a.m. Eastern Time. A simultaneous audio web cast of Mr. Hermance's presentation, including the slide presentation and any follow-up questions and answers, will be available through the Hudson City Bancorp, Inc.'s website, http://www.hcbk.com/. The audio web cast presentation will be available through our website until July 11, 2004. Hudson City Bancorp, Inc. is the parent company of Hudson City Savings Bank, a well-established community banking institution with a long-standing tradition of service excellence. It has over 80 full service branches throughout 15 New Jersey counties, making it the largest savings bank headquartered in New Jersey with assets of nearly $18 billion. The Federal Deposit Insurance Corporation insures Hudson City Savings' deposits. The webcast and slide presentation referenced in this news release may contain a number of forward-looking statements within the meaning of Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended. These statements may be identified by the use of such words as "anticipate,' "believe," "could," "estimate," "expect," "intend," "outlook," "plan," "potential," "predict," "project," "should," "will," "would," and similar terms and phrases, including references to assumptions. Forward-looking statements are based on various assumptions and analyses made by us in light of management's experience and its perception of historical trends, current conditions and expected future developments, as well as other factors we believe are appropriate under the circumstances. DATASOURCE: Hudson City Bancorp, Inc. CONTACT: Louis J. Beierle, Vice President, Investor Relations of Hudson City Bancorp, Inc., +1-201-967-8290, Web site: http://www.hcbk.com/

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