0000882377-00-000027 Sample Contracts

EXHIBIT 4.3 -----------
Option Plan Stock Option Agreement • January 21st, 2000 • Hudson City Bancorp Inc • Savings institutions, not federally chartered

This Stock Option Agreement is intended to set forth the terms and conditions on which a Stock Option has been granted under the Hudson City Bancorp, Inc. 2000 Stock Option Plan. Set forth below are the specific terms and conditions applicable to this Stock Option. Attached as Exhibit A are its general terms and conditions.

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