15,072,815 Shares (subject to increase up to 17,333,738 shares in the event of an oversubscription) HUDSON RIVER BANCORP, INC. (a Delaware corporation) Common Stock (par value $0.01 per share) AGENCY AGREEMENTAgency Agreement • May 1st, 1998 • Hudson River Bancorp Inc • Savings institutions, not federally chartered • New York
