Call Script to Stockholders




UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

SCHEDULE 14A

Proxy Statement Pursuant to Section 14(a) of the Securities
Exchange Act of 1934 (Amendment No. )

Filed by the Registrant [ ]
Filed by a Party other than the Registrant [ ]

Check the appropriate box:

[ ] Preliminary Proxy Statement
[ ] Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2))
[] Definitive Proxy Statement
[X] Definitive Additional Materials
[ ] Soliciting Material Pursuant to §240.14a-12

Carver Bancorp, Inc.                    
(Name of Registrant as Specified In Its Charter)
                                                
(Name of Person(s) Filing Proxy Statement, if other than the Registrant)

Payment of Filing Fee (Check the appropriate box):
[x]     No fee required.
[ ]     Fee computed on table below per Exchange Act Rules 14a-6(i)(4) and 0-11.
1)    Title of each class of securities to which transaction applies:
                                                
2)    Aggregate number of securities to which transaction applies:
                                                
3)
Per unit price or other underlying value of transaction computed pursuant to Exchange Act Rule 0-11 (set forth the amount on which the filing fee is calculated and state how it was determined):
                                                
4) Proposed maximum aggregate value of transaction:
                                            
5) Total fee paid:
                                                
[ ]     Fee paid previously with preliminary materials.

[ ]
Check box if any part of the fee is offset as provided by Exchange Act Rule 0-11(a)(2) and identify the filing for which the offsetting fee was paid previously. Identify the previous filing by registration statement number, or the Form or Schedule and the date of its filing.

1)
Amount Previously Paid:
                                            
2)
Form, Schedule or Registration Statement No.:
                                                
3)
Filing Party:
                                                
4)
Date Filed:
                                                







Call Script to Stockholders
Hello, this is Debbie Wright, Chairman and Chief Executive Officer of Carver Bancorp, with an important message for our Stockholders.
Recently we sent you proxy materials regarding Carver's Annual Meeting, which will be held on Tuesday, October 25th. This annual meeting is the most important in Carver's history and your Board of Directors is asking you to vote your shares as soon as possible. The proposals on this year's agenda will determine the future of YOUR institution, and your participation is therefore critical.
So, please Vote Today.
If you hold stock through a brokerage firm, they cannot vote your shares on a number of vital proposals unless you provide specific voting instructions. If you have questions or need assistance, please call our proxy solicitation firm, Morrow & Co., at 1-877-749-5770.
Thank you for your prompt response and your continued support of Carver Bancorp. I hope to see you at the Annual Meeting of Stockholders on Tuesday, October 25th.