HUDSON CITY BANCORP INC
DENIS J. SALAMONE RESTRICTED STOCK AWARD PLAN
<DOCUMENT>
<TYPE>EX-10.22
<SEQUENCE>5
<FILENAME>y58648ex10-22.txt
<DESCRIPTION>DENIS J. SALAMONE RESTRICTED STOCK AWARD PLAN
<TEXT>
<PAGE>
                                                                   Exhibit 10.22


                            HUDSON CITY BANCORP, INC.
                                DENIS J. SALAMONE
                          RESTRICTED STOCK AWARD NOTICE



DENIS J. SALAMONE
------------------------------               -----------------------------------
Name                                         Social Security Number



--------------------------------------------------------------------------------
Street Address



-------------------------------        ----------------           -----------
City                                   State                      Zip Code


This Restricted Stock Award Notice is intended to set forth the terms and
conditions on which an Award has been granted. Set forth below are the specific
terms and conditions applicable to this Award. Attached as Exhibit A are its
general terms and conditions.


<TABLE>
<CAPTION>
==================================================================================================================
        Restricted Stock Award             (A)              (B)          (C)            (D)              (E)
==================================================================================================================
<S>                                       <C>            <C>           <C>           <C>              <C>
Effective Date:                           11/09/01       11/09/01      11/09/01       11/09/01        11/09/01
------------------------------------------------------------------------------------------------------------------
Class of Shares*                           Common         Common        Common         Common          Common
------------------------------------------------------------------------------------------------------------------
No. of Awarded Shares*                     20,000         20,000        20,000         20,000          20,000
------------------------------------------------------------------------------------------------------------------
Type of Award (Escrow or
Legended Certificate)
------------------------------------------------------------------------------------------------------------------
Vesting Date*                             04/20/02       04/20/03      04/20/04       04/20/05        04/20/06
==================================================================================================================
</TABLE>

* Subject to adjustment as provided in the Hudson City Bancorp, Inc. 2000
Recognition and Retention Plan and the General Terms and Conditions


By signing where indicated below, Hudson City Bancorp, Inc. (the "Company")
grants this Award upon the specified terms and conditions, and the Award
Recipient acknowledges receipt of this Restricted Stock Award Notice, including
Exhibit A, and agrees to observe and be bound by the terms and conditions set
forth herein and acknowledges receipt of a copy of the Prospectus for this Award
dated November 9, 2001.



HUDSON CITY BANCORP, INC.                          AWARD RECIPIENT


By
   ---------------------------------------         ----------------------------
   Name: Donald O. Quest                           Denis J. Salamone
   Title: Chairman, Compensation Committee



INSTRUCTIONS: This Agreement should be completed by or on behalf of the
Compensation Committee. Any blank space intentionally left blank should be
crossed out. An Award consists of shares granted with uniform terms and
conditions. Where shares granted under an Award are awarded on the same date
with varying terms and conditions (for example, varying vesting dates), the
awards should be recorded as a series of grants each with its own uniform terms
and conditions.

<PAGE>


                                                                       EXHIBIT A
                                                                       ---------
                            HUDSON CITY BANCORP, INC.
                                DENIS J. SALAMONE
                    RESTRICTED STOCK AWARD FOR DENIS SALAMONE
                    -----------------------------------------

                          GENERAL TERMS AND CONDITIONS

            SECTION 1. SIZE AND TYPE OF AWARD. The shares of Common Stock, par
value $.01 per share, of Hudson City Bancorp, Inc. ("Shares") covered by this
Award ("Awarded Shares") are listed on this Restricted Stock Award Notice. Your
Restricted Stock Award Notice designates the Awarded Shares as either "Escrow "
or "Legended Certificate".

                        (A) LEGENDED CERTIFICATE. If your Awarded Shares are
            designated "Legended Certificate," a stock certificate evidencing
            the Awarded Shares will be issued in your name and held in a
            brokerage account at Deutsche Banc Alex. Brown Inc., the 2000
            Recognition and Retention Plan Trustee ("Plan Trustee"). The stock
            certificate will bear a legend indicating that it is subject to all
            of the terms and conditions of this Award Notice and the Hudson City
            Bancorp, Inc. 2000 Recognition and Retention Plan ("Plan") as though
            this Award had been made under the Plan. You will be required to
            elect to be taxed on the Fair Market Value of the Awarded Shares as
            of the date they are placed in the brokerage account in your name,
            pursuant to section 83(b) of the Internal Revenue Code of 1986. You
            must make this election in writing, in the manner required by
            applicable Internal Revenue Service Regulations, and file it with
            the Internal Revenue Service and the Company within 30 days after
            the date on which the Awarded Shares are placed in your brokerage
            account.

                        (B) ESCROW. If your Awarded Shares are designated
            "Escrow," the Awarded Shares will either be held in the name of the
            Plan Trustee on a pooled basis with other Awarded Shares that have
            been designated "Escrow," or they will be evidenced by a legended
            stock certificate in your name that will be placed in a brokerage
            account for you at Deutsche Banc Alex. Brown Inc. You will not be
            permitted to elect to be taxed currently on the Fair Market Value of
            the Awarded Shares and instead will be subject to income tax on the
            Awarded Shares as and when they become vested.

            SECTION 2.   VESTING.
                         --------

            (A) VESTING DATES. The Vesting Dates for your Awarded Shares are
specified on this Award Notice. On each Vesting Date, you will obtain
unrestricted ownership of the Awarded Shares that vest on that Vesting Date. A
stock certificate (or a book entry listing) evidencing your unrestricted
ownership of the vested Awarded Shares will be deposited in your brokerage
account at Deutsche Banc Alex. Brown Inc. If a legended stock certificate
evidencing these Awarded Shares was previously placed in your brokerage account,
it will be exchanged for an unrestricted certificate or book entry listing.

            (B) FORFEITURES. If you terminate service with the Company prior to
a Vesting Date, you will forfeit any Awarded Shares that are scheduled to vest
on that date. When you forfeit Awarded Shares, all of your interest in the
Awarded Shares will be canceled and any stock certificate or other evidence of
ownership that was placed in a brokerage account for you will be returned to the
Plan Trustee to be used for future awards to others. You agree to take any
action and execute and deliver any document that the Company requests to effect
the return of your unvested Awarded Shares. In the event you do not cooperate
with the Company in this regard, you hereby appoint and designate the Company as
your attorney-in-fact for the purpose of taking any action and signing any
document, in your name, which the Company determines is necessary to enforce the
forfeiture.

            (C) ACCELERATED VESTING. All of your Awarded Shares that have not
previously vested will become fully vested immediately, and without any further
action on your part, in the event of your death or Disability (as defined in the
Plan) before your termination of service with the Company. In addition, if your
service terminates due to Retirement (as defined in the Plan) or in the event a
Change of Control (as defined in the Plan) occurs before you terminate service
with the Company, then any Awarded Shares not theretofore forfeited shall become
immediately vested on the date of your Retirement or the Change of Control. In
the event of Retirement, unrestricted ownership of your Awarded Shares will not
be transferred to you until January 1st of the calendar year following the
calendar year in which your retirement occurs. You may designate a Beneficiary
to receive any Awarded Shares that vest upon your death using the Beneficiary
Designation attached as Appendix A.

            (D) DEFINITION OF SERVICE. For purposes of determining the vesting
of your Awarded Shares, you will be deemed to be in the service of the Company
for so long as you serve in any capacity as an employee, officer, non-employee
director or consultant of the Company or Hudson City Savings Bank.

            SECTION 3. DIVIDENDS. If your Awarded Shares are in the form of
Legended Certificates, any dividends declared by the Company with a record date
that is after the Effective Date specified in this Award Notice will be credited
to your brokerage account at Deutsche Banc Alex. Brown Inc. for your benefit on
an unrestricted basis. If your Awarded Shares are designated "Escrow", you will
receive the dividends on an unrestricted basis, but they will be paid to you by,
and will be taxable in the same manner as other compensation paid to you by, the
Company; by signing this Award Notice and accepting its terms, you direct
Deutsche Banc Alex. Brown Inc. and/or the Plan Trustee to remit to the Company
for payment to you any dividends that either of them may receive as the record
holder of your unvested Awarded Shares.

            SECTION 4. VOTING RIGHTS. You shall have the right to control all
voting rights relating to all unvested Awarded Shares. If your Awarded Shares
are placed in your brokerage account at Deutsche Banc Alex. Brown Inc., you will
receive proxy materials for voting in the same manner as other shareholders with
Shares in brokerage accounts. If your unvested Awarded Shares are held by the
Plan Trustee, the Plan Trustee will ask you for voting directions and will
follow your directions in voting your unvested Awarded Shares.

            SECTION 5. AMENDMENT. This Award Notice may be amended, in whole or
in part and in any manner not inconsistent with the provisions of the Plan, at
any time and from time to time, by written agreement between you and the
Company.

            SECTION 6. PLAN PROVISIONS CONTROL. This Award Notice, and the
rights and obligations created hereunder, shall be subject to all of the terms
and conditions of the Plan that would apply if this Award were being made under
the Plan. In the event of any conflict between the provisions of the Plan and
the provisions of this Award Notice, the terms of the Plan, which are
incorporated herein by reference, shall control. By signing this Award Notice,
you acknowledge receipt of a copy of the Plan and a copy of the Prospectus for
this Award dated November 9, 2000.


           APPENDIX B TO RESTRICTED STOCK AWARD FOR DENIS J. SALAMONE

                          BENEFICIARY DESIGNATION FORM


--------------------------------------------------------------------------------
GENERAL
INFORMATION     USE THIS FORM TO DESIGNATE THE BENEFICIARY(IES) WHO WILL RECEIVE
                SHARES AVAILABLE FOR DISTRIBUTION AT THE TIME OF YOUR DEATH.


<PAGE>

Name of
Award                                                   Social Security Number
Recipient                                                    --     --
         -----------------------------------------      ----------------------

                        COMPLETE SECTIONS A AND B. IF NO PERCENTAGE SHARES ARE
                        SPECIFIED, EACH BENEFICIARY IN THE SAME CLASS (PRIMARY
                        OR CONTINGENT) SHALL HAVE AN EQUAL SHARE. IF ANY
BENEFICIARY             BENEFICIARY DESIGNATED BENEFICIARY PREDECEASES YOU, THE
DESIGNATION             SHARES OF EACH REMAINING BENEFICIARY IN THE SAME CLASS
                        (PRIMARY OR CONTINGENT) SHALL BE INCREASED
                        PROPORTIONATELY.



A. PRIMARY BENEFICIARY(IES). I hereby designate the following person as my
primary Beneficiary, reserving the right to change or revoke this designation at
any time prior to my death:

        NAME                 ADDRESS       RELATIONSHIP  BIRTHDATE     SHARE
                     --------------------
-------------------                        ------------  ---------  -----------%
                     --------------------

                     --------------------
-------------------                        ------------  ---------  -----------%
                     --------------------

                     --------------------
-------------------                        ------------  ---------  -----------%
                     --------------------                           Total = 100%

B. CONTINGENT BENEFICIARY(IES). I hereby designate the following person(s) as my
contingent Beneficiary(ies) to receive benefits only if all of my primary
Beneficiaries should predecease me, reserving the right to change or revoke this
designation at any time prior to my death with respect to all outstanding
Awarded Shares:

        NAME                 ADDRESS       RELATIONSHIP  BIRTHDATE     SHARE
                     --------------------
-------------------                        ------------  ---------  -----------%
                     --------------------

                     --------------------
-------------------                        ------------  ---------  -----------%
                     --------------------

                     --------------------
-------------------                        ------------  ---------  -----------%
                     --------------------                           Total = 100%

  S   H    I understand that this Beneficiary Designation shall be effective
  I   E    only if properly completed and received by the Corporate Secretary
  G   R    of Hudson City Bancorp, Inc. prior to my death. I also understand
  N   E    that an effective Beneficiary designation revokes my prior
           designation(s) with respect to all outstanding Awarded Shares.


            --------------------------------------            ----------------
                         YOUR SIGNATURE                             DATE

--------------------------------------------------------------------------------

---------------------------INTERNAL USE ONLY------------------------------------


--------------------------------------------------------------------------------
|This Beneficiary Designation was |                Comments                    |
|received by the Corporate        |                                            |
|Secretary of Hudson City Bancorp,|                                            |
|Inc. on the date indicated.      |                                            |
|                                 |                                            |
|                                 |                                            |
|By                               |                                            |
|  ------------------------------ |                                            |
|  AUTHORIZED SIGNATURE      DATE |                                            |
|                                 |                                            |
--------------------------------------------------------------------------------

</TEXT>
</DOCUMENT>
