Call Script to Stockholders 2




UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
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Call Script to Stockholders #2

Hello, this is Debbie Wright, Chairman and Chief Executive Officer of Carver Bancorp, with an important message for our Stockholders.
Carver's Annual Meeting on Tuesday, October 25th is rapidly approaching. The proposals on this year's agenda make this the most important annual meeting in Carver's history and will determine the future of YOUR institution, and your participation is therefore critical.
As you may know, the Company received $55 million in new capital in June. While all of the proposals are important, unless 2/3rds of our stockholders vote to approve proposal number 10, the new capital will not be cost effective.
So, please vote today. If you have questions or need assistance, please call 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.