Call Script to Stockholders 2

Washington, D.C. 20549


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:
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.

Amount Previously Paid:
Form, Schedule or Registration Statement No.:
Filing Party:
Date Filed:

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.