921847--2/26/2010--HUDSON_CITY_BANCORP

related topics

{regulation, change, law}

{condition, economic, financial}

{cost, contract, operation}

{competitive, industry, competition}

{acquisition, growth, future}

Proposed tax on liabilities could adversely affect our financial condition. The potential adoption of significant aspects of proposed regulatory reform legislation may have a material effect on our operations. The impact on us of recently enacted and proposed legislation and government programs to stabilize the financial markets cannot be predicted at this time. The FDIC s restoration plan and the related increased assessment rate schedule may have a further material effect on our results of operations. Changes in interest rates could adversely affect our results of operations and financial condition. Because we compete primarily on the basis of the interest rates we offer depositors and the terms of loans we offer borrowers, our margins could decrease if we were required to increase deposit rates or lower interest rates on loans in response to competitive pressures. We may not be able to successfully implement our plans for growth. We operate in a highly regulated industry, which limits the manner and scope of our business activities.

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921847--2/26/2010--HUDSON_CITY_BANCORP_INC