<SEC-DOCUMENT>0001104659-14-015227.txt : 20140303
<SEC-HEADER>0001104659-14-015227.hdr.sgml : 20140303
<ACCEPTANCE-DATETIME>20140303111757
ACCESSION NUMBER:		0001104659-14-015227
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		3
CONFORMED PERIOD OF REPORT:	20140228
ITEM INFORMATION:		Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers: Compensatory Arrangements of Certain Officers
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20140303
DATE AS OF CHANGE:		20140303

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			CARVER BANCORP INC
		CENTRAL INDEX KEY:			0001016178
		STANDARD INDUSTRIAL CLASSIFICATION:	SAVINGS INSTITUTION, FEDERALLY CHARTERED [6035]
		IRS NUMBER:				133904174
		STATE OF INCORPORATION:			DE
		FISCAL YEAR END:			0331

	FILING VALUES:
		FORM TYPE:		8-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-13007
		FILM NUMBER:		14658686

	BUSINESS ADDRESS:	
		STREET 1:		75 W 125TH ST
		CITY:			NEW YORK
		STATE:			NY
		ZIP:			10027-4512
		BUSINESS PHONE:		2128764747

	MAIL ADDRESS:	
		STREET 1:		75 W 125TH ST
		CITY:			NEW YORK
		STATE:			NY
		ZIP:			10027-4512
</SEC-HEADER>
<DOCUMENT>
<TYPE>8-K
<SEQUENCE>1
<FILENAME>a14-7212_18k.htm
<DESCRIPTION>8-K
<TEXT>


<html>
<head>

  </head>
<body lang="EN-US">
<div style="font-family:Times New Roman;">
<div style="border-bottom:solid windowtext 1.0pt;border-left:none;border-right:none;border-top:solid windowtext 3.0pt;padding:1.0pt 0in 1.0pt 0in;">
<p style="border:none;margin:0in 0in .0001pt;padding:0in;"><font size="1" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
</div>
<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>
<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><b><font size="5" face="Times New Roman" style="font-size:18.0pt;font-weight:bold;">UNITED STATES</font></b><b><font size="5" style="font-size:18.0pt;font-weight:bold;"><br>  </font></b><b><font size="5" style="font-size:18.0pt;font-weight:bold;">SECURITIES AND EXCHANGE COMMISSION</font></b></p>
<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">WASHINGTON, D.C. 20549</font></b></p>
<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>
<div align="center" style="margin:0in 0in .0001pt;text-align:center;"><hr size="1" width="25%" noshade color="black" align="center"></div>
<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>
<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><b><font size="5" face="Times New Roman" style="font-size:18.0pt;font-weight:bold;">FORM&nbsp;8-K</font></b></p>
<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>
<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><b><font size="3" face="Times New Roman" style="font-size:12.0pt;font-weight:bold;">CURRENT REPORT</font></b></p>
<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><b><font size="3" face="Times New Roman" style="font-size:12.0pt;font-weight:bold;">PURSUANT TO SECTION&nbsp;13 OR 15(d)&nbsp;OF THE</font></b></p>
<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><b><font size="3" face="Times New Roman" style="font-size:12.0pt;font-weight:bold;">SECURITIES EXCHANGE ACT OF 1934</font></b></p>
<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>
<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Date of Report (Date of earliest event reported):&#160; <b>February&nbsp;28, 2014</b></font></p>
<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>
<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><b><font size="5" face="Times New Roman" style="font-size:18.0pt;font-weight:bold;">CARVER BANCORP,&nbsp;INC.</font></b></p>
<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(Exact Name of Registrant as Specified in its Charter)</font></p>
<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>
<div align="center">
<table border="0" cellspacing="0" cellpadding="0" width="100%" style="border-collapse:collapse;width:100.0%;">
<tr>
<td width="32%" valign="top" style="padding:0in 0in 0in 0in;width:32.0%;">
<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">Delaware</font></b></p>    </td>
<td width="2%" valign="bottom" style="padding:0in 0in 0in 0in;width:2.0%;">
<p style="margin:0in 0in .0001pt;"><b><font size="2" face="Times New Roman" style="font-size:1.0pt;font-weight:bold;">&nbsp;</font></b></p>    </td>
<td width="32%" valign="top" style="padding:0in 0in 0in 0in;width:32.0%;">
<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">1-13007</font></b></p>    </td>
<td width="2%" valign="bottom" style="padding:0in 0in 0in 0in;width:2.0%;">
<p style="margin:0in 0in .0001pt;"><b><font size="2" face="Times New Roman" style="font-size:1.0pt;font-weight:bold;">&nbsp;</font></b></p>    </td>
<td width="32%" valign="top" style="padding:0in 0in 0in 0in;width:32.0%;">
<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">13-3904174</font></b></p>    </td>   </tr>
<tr>
<td width="32%" valign="top" style="padding:0in 0in 0in 0in;width:32.0%;">
<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(State or Other Jurisdiction<br>   of Incorporation)</font></p>    </td>
<td width="2%" valign="bottom" style="padding:0in 0in 0in 0in;width:2.0%;">
<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>    </td>
<td width="32%" valign="top" style="padding:0in 0in 0in 0in;width:32.0%;">
<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(Commission File No.)</font></p>    </td>
<td width="2%" valign="bottom" style="padding:0in 0in 0in 0in;width:2.0%;">
<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>    </td>
<td width="32%" valign="top" style="padding:0in 0in 0in 0in;width:32.0%;">
<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(I.R.S. Employer<br>   Identification No.)</font></p>    </td>   </tr>  </table>
</div>
<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>
<div align="center">
<table border="0" cellspacing="0" cellpadding="0" width="100%" style="border-collapse:collapse;width:100.0%;">
<tr>
<td width="49%" valign="top" style="padding:0in 0in 0in 0in;width:49.0%;">
<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">75 West 125th Street, New York, NY</font></b></p>    </td>
<td width="2%" valign="bottom" style="padding:0in 0in 0in 0in;width:2.0%;">
<p style="margin:0in 0in .0001pt;"><b><font size="2" face="Times New Roman" style="font-size:1.0pt;font-weight:bold;">&nbsp;</font></b></p>    </td>
<td width="49%" valign="top" style="padding:0in 0in 0in 0in;width:49.0%;">
<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">10027-4512</font></b></p>    </td>   </tr>
<tr>
<td width="49%" valign="top" style="padding:0in 0in 0in 0in;width:49.0%;">
<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(Address of Principal Executive Offices)</font></p>    </td>
<td width="2%" valign="bottom" style="padding:0in 0in 0in 0in;width:2.0%;">
<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>    </td>
<td width="49%" valign="top" style="padding:0in 0in 0in 0in;width:49.0%;">
<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(Zip Code)</font></p>    </td>   </tr>  </table>
</div>
<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>
<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Registrant&#146;s telephone number, including area code: <b>(212) 360-8820</b></font></p>
<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>
<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Check the appropriate box below if the Form&nbsp;8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (<i>see</i> General Instruction A.2. below):</font></p>
<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>
<p style="margin:0in 0in .0001pt .15in;"><font size="2" face="Wingdings" style="font-size:10.0pt;">o</font><font size="2" style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160; Written communications pursuant to Rule&nbsp;425 under the Securities Act (17 CFR 230.425)</font></p>
<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>
<p style="margin:0in 0in .0001pt .15in;"><font size="2" face="Wingdings" style="font-size:10.0pt;">o</font><font size="2" style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160; Soliciting material pursuant to Rule&nbsp;14a-12 under the Exchange Act (17 CFR 240.14a-12)</font></p>
<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>
<p style="margin:0in 0in .0001pt .15in;"><font size="2" face="Wingdings" style="font-size:10.0pt;">o</font><font size="2" style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160; Pre-commencement communications pursuant to Rule&nbsp;14d-2(b)&nbsp;under the Exchange Act (17 CFR 240.14d-2(b))</font></p>
<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>
<p style="margin:0in 0in .0001pt .15in;"><font size="2" face="Wingdings" style="font-size:10.0pt;">o</font><font size="2" style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160; Pre-commencement communications pursuant to Rule&nbsp;13e-4(c)&nbsp;under the Exchange Act (17 CFR 240.13e-4(c))</font></p>
<p style="margin:0in 0in .0001pt 1.0in;text-indent:-1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>
<div style="border-bottom:solid windowtext 3.0pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;padding:1.0pt 0in 1.0pt 0in;">
<p style="border:none;margin:0in 0in .0001pt 1.0in;padding:0in;text-indent:-1.0in;"><font size="1" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
</div>
<p style="margin:0in 0in .0001pt 1.0in;text-indent:-1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>
<div style="margin:0in 0in .0001pt;"><hr size="3" width="100%" noshade color="#010101" align="left"></div>
</div>
<!-- SEQ.=1,FOLIO='',FILE='C:\JMS\C901717\14-7212-1\task6592098\7212-1-ba.htm',USER='C901717',CD='Mar  3 10:12 2014' -->

<br clear="all" style="page-break-before:always;">
<div style="font-family:Times New Roman;">
<p style="margin:0in 0in .0001pt 1.0in;text-indent:-1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>
<p style="margin:0in 0in .0001pt 1.0in;text-indent:-1.0in;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">Item 5.02</font></b><b><font size="1" style="font-size:3.0pt;font-weight:bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font></b><b><font size="2" style="font-size:10.0pt;font-weight:bold;">Departure of Directors of Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers</font></b></p>
<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>
<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">On February&nbsp;28, 2014, Carver Bancorp,&nbsp;Inc. (&#147;Company&#148;), the holding company for Carver Federal Savings Bank (&#147;Bank&#148;) announced that LaMae Allen deJongh has been appointed to the Company&#146;s Board of Directors, effective March&nbsp;1, 2014.</font></p>
<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>
<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Ms.&nbsp;deJongh was a partner at Accenture from 1987 to 2012, where she helped financial institutions increase revenues and reduce costs by providing consulting, technology and outsourcing solutions and had a leadership role in the firm&#146;s North America Capital Markets practice.&#160; Alongside her client service work, Ms.&nbsp;deJongh helped addressed Accenture&#146;s human capital strategy, bringing focus to the recruitment, retention, development and advancement of talent; inclusion and diversity; and corporate citizenship.&#160; She also contributed to strategy-setting and day-to-day operations of Accenture through participation on the CEO Advisory Council, North America Leadership Team, Accenture US Foundation, and Accenture US Investments/Benefits Co.</font></p>
<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>
<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Ms.&nbsp;deJongh is not a party to any transaction with the Company or the Bank that would require disclosure under Item 404(a)&nbsp;of Regulation S-K. Ms.&nbsp;deJongh has been appointed to the Compensation Committee and the Nominating/Corporate Governance Committee of the Board of Directors. Additional information about Ms.&nbsp;deJongh&#146;s appointment is provided in the Company&#146;s press release, attached as Exhibit&nbsp;99.1 to this report.</font></p>
<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>
<p style="margin:0in 0in .0001pt;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">Item 9.01.&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Financial Statements and Exhibits.</font></b></p>
<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>
<table border="0" cellspacing="0" cellpadding="0" width="94%" style="border-collapse:collapse;margin-left:31.5pt;width:94.16%;">
<tr>
<td width="10%" valign="top" style="padding:0in 0in 0in 0in;width:10.0%;">
<p style="margin:0in 0in .0001pt 10.0pt;text-indent:-10.0pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(a)</font></p>    </td>
<td width="3%" valign="bottom" style="padding:0in 0in 0in 0in;width:3.46%;">
<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>    </td>
<td width="86%" valign="top" style="padding:0in 0in 0in 0in;width:86.54%;">
<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Financial   statements of businesses acquired. Not Applicable.</font></p>    </td>   </tr>
<tr>
<td width="10%" valign="top" style="padding:0in 0in 0in 0in;width:10.0%;">
<p style="margin:0in 0in .0001pt 10.0pt;text-indent:-10.0pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>    </td>
<td width="3%" valign="bottom" style="padding:0in 0in 0in 0in;width:3.46%;">
<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>    </td>
<td width="86%" valign="top" style="padding:0in 0in 0in 0in;width:86.54%;">
<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>    </td>   </tr>
<tr>
<td width="10%" valign="top" style="padding:0in 0in 0in 0in;width:10.0%;">
<p style="margin:0in 0in .0001pt 10.0pt;text-indent:-10.0pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(b)</font></p>    </td>
<td width="3%" valign="bottom" style="padding:0in 0in 0in 0in;width:3.46%;">
<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>    </td>
<td width="86%" valign="top" style="padding:0in 0in 0in 0in;width:86.54%;">
<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Pro   forma financial information. Not Applicable.</font></p>    </td>   </tr>
<tr>
<td width="10%" valign="top" style="padding:0in 0in 0in 0in;width:10.0%;">
<p style="margin:0in 0in .0001pt 10.0pt;text-indent:-10.0pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>    </td>
<td width="3%" valign="bottom" style="padding:0in 0in 0in 0in;width:3.46%;">
<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>    </td>
<td width="86%" valign="top" style="padding:0in 0in 0in 0in;width:86.54%;">
<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>    </td>   </tr>
<tr>
<td width="10%" valign="top" style="padding:0in 0in 0in 0in;width:10.0%;">
<p style="margin:0in 0in .0001pt 10.0pt;text-indent:-10.0pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(c)</font></p>    </td>
<td width="3%" valign="bottom" style="padding:0in 0in 0in 0in;width:3.46%;">
<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>    </td>
<td width="86%" valign="top" style="padding:0in 0in 0in 0in;width:86.54%;">
<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Shell   company transactions: Not Applicable.</font></p>    </td>   </tr>
<tr>
<td width="10%" valign="top" style="padding:0in 0in 0in 0in;width:10.0%;">
<p style="margin:0in 0in .0001pt 10.0pt;text-indent:-10.0pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>    </td>
<td width="3%" valign="bottom" style="padding:0in 0in 0in 0in;width:3.46%;">
<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>    </td>
<td width="86%" valign="top" style="padding:0in 0in 0in 0in;width:86.54%;">
<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>    </td>   </tr>
<tr>
<td width="10%" valign="top" style="padding:0in 0in 0in 0in;width:10.0%;">
<p style="margin:0in 0in .0001pt 10.0pt;text-indent:-10.0pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(d)</font></p>    </td>
<td width="3%" valign="bottom" style="padding:0in 0in 0in 0in;width:3.46%;">
<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>    </td>
<td width="86%" valign="top" style="padding:0in 0in 0in 0in;width:86.54%;">
<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Exhibits.</font></p>    </td>   </tr>
<tr>
<td width="10%" valign="top" style="padding:0in 0in 0in 0in;width:10.0%;">
<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>    </td>
<td width="3%" valign="bottom" style="padding:0in 0in 0in 0in;width:3.46%;">
<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>    </td>
<td width="86%" valign="top" style="padding:0in 0in 0in 0in;width:86.54%;">
<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>    </td>   </tr>
<tr>
<td width="10%" valign="top" style="padding:0in 0in 0in 0in;width:10.0%;">
<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>    </td>
<td width="3%" valign="bottom" style="padding:0in 0in 0in 0in;width:3.46%;">
<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>    </td>
<td width="86%" valign="top" style="padding:0in 0in 0in 0in;width:86.54%;">
<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">The   following Exhibit&nbsp;is attached as part of this report:</font></p>    </td>   </tr>  </table>
<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>
<table border="0" cellspacing="0" cellpadding="0" width="93%" style="border-collapse:collapse;margin-left:.45in;width:93.98%;">
<tr>
<td width="18%" valign="bottom" style="border:none;border-bottom:solid windowtext 1.0pt;padding:0in 0in 0in 0in;width:18.44%;">
<p style="margin:0in 0in .0001pt;"><b><font size="1" face="Times New Roman" style="font-size:8.0pt;font-weight:bold;">Exhibit&nbsp;Number</font></b></p>    </td>
<td width="3%" valign="bottom" style="padding:0in 0in 0in 0in;width:3.38%;">
<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><b><font size="1" face="Times New Roman" style="font-size:1.0pt;font-weight:bold;">&nbsp;</font></b></p>    </td>
<td width="78%" valign="bottom" style="border:none;border-bottom:solid windowtext 1.0pt;padding:0in 0in 0in 0in;width:78.18%;">
<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><b><font size="1" face="Times New Roman" style="font-size:8.0pt;font-weight:bold;">Description</font></b></p>    </td>   </tr>
<tr>
<td width="18%" valign="top" style="border:none;padding:0in 0in 0in 0in;width:18.44%;">
<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>    </td>
<td width="3%" valign="bottom" style="padding:0in 0in 0in 0in;width:3.38%;">
<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>    </td>
<td width="78%" valign="top" style="border:none;padding:0in 0in 0in 0in;width:78.18%;">
<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>    </td>   </tr>
<tr>
<td width="18%" valign="top" style="padding:0in 0in 0in 0in;width:18.44%;">
<p style="margin:0in 0in .0001pt 20.0pt;text-indent:-10.0pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Exhibit&nbsp;99.1</font></p>    </td>
<td width="3%" valign="bottom" style="padding:0in 0in 0in 0in;width:3.38%;">
<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>    </td>
<td width="78%" valign="top" style="padding:0in 0in 0in 0in;width:78.18%;">
<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Carver   Bancorp,&nbsp;Inc. Press Release Dated February&nbsp;28, 2014</font></p>    </td>   </tr>  </table>
<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>
<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">2<a name="PB_2_070749_7056"></a></font></p>
<div style="margin:0in 0in .0001pt;"><hr size="3" width="100%" noshade color="#010101" align="left"></div>
</div>
<!-- SEQ.=1,FOLIO='2',FILE='C:\JMS\C901717\14-7212-1\task6592098\7212-1-ba.htm',USER='C901717',CD='Mar  3 10:12 2014' -->

<br clear="all" style="page-break-before:always;">
<div>
<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>
<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">SIGNATURES</font></b></p>
<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>
<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned, hereunto duly authorized.</font></p>
<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>
<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>
<table border="0" cellspacing="0" cellpadding="0" width="100%" style="border-collapse:collapse;width:100.0%;">
<tr>
<td width="50%" valign="top" style="padding:0in 0in 0in 0in;width:50.0%;">
<p style="margin:0in 0in .0001pt;"><b><font size="2" face="Times New Roman" style="font-size:1.0pt;font-weight:bold;">&nbsp;</font></b></p>    </td>
<td width="4%" valign="top" style="padding:0in 0in 0in 0in;width:4.84%;">
<p style="margin:0in 0in .0001pt;"><b><font size="2" face="Times New Roman" style="font-size:1.0pt;font-weight:bold;">&nbsp;</font></b></p>    </td>
<td width="44%" valign="top" style="padding:0in 0in 0in 0in;width:44.76%;">
<p style="margin:0in 0in .0001pt;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">CARVER BANCORP,&nbsp;INC.</font></b></p>    </td>   </tr>
<tr>
<td width="50%" valign="top" style="padding:0in 0in 0in 0in;width:50.0%;">
<p style="margin:0in 0in .0001pt;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">&nbsp;</font></b></p>    </td>
<td width="4%" valign="top" style="padding:0in 0in 0in 0in;width:4.84%;">
<p style="margin:0in 0in .0001pt;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">&nbsp;</font></b></p>    </td>
<td width="44%" valign="top" style="padding:0in 0in 0in 0in;width:44.76%;">
<p style="margin:0in 0in .0001pt;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">&nbsp;</font></b></p>    </td>   </tr>
<tr>
<td width="50%" valign="top" style="padding:0in 0in 0in 0in;width:50.0%;">
<p style="margin:0in 0in .0001pt;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">&nbsp;</font></b></p>    </td>
<td width="4%" valign="top" style="padding:0in 0in 0in 0in;width:4.84%;">
<p style="margin:0in 0in .0001pt;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">&nbsp;</font></b></p>    </td>
<td width="44%" valign="top" style="padding:0in 0in 0in 0in;width:44.76%;">
<p style="margin:0in 0in .0001pt;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">&nbsp;</font></b></p>    </td>   </tr>
<tr>
<td width="50%" valign="top" style="padding:0in 0in 0in 0in;width:50.0%;">
<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">DATE:   March&nbsp;3, 2014</font></p>    </td>
<td width="4%" valign="top" style="padding:0in 0in 0in 0in;width:4.84%;">
<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">By:</font></p>    </td>
<td width="44%" valign="top" style="border:none;border-bottom:solid windowtext 1.0pt;padding:0in 0in 0in 0in;width:44.76%;">
<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">/s/   Deborah C. Wright</font></p>    </td>   </tr>
<tr>
<td width="50%" valign="top" style="padding:0in 0in 0in 0in;width:50.0%;">
<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>    </td>
<td width="4%" valign="top" style="padding:0in 0in 0in 0in;width:4.84%;">
<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>    </td>
<td width="44%" valign="top" style="border:none;padding:0in 0in 0in 0in;width:44.76%;">
<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Deborah   C. Wright</font></p>    </td>   </tr>
<tr>
<td width="50%" valign="top" style="padding:0in 0in 0in 0in;width:50.0%;">
<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>    </td>
<td width="4%" valign="top" style="padding:0in 0in 0in 0in;width:4.84%;">
<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>    </td>
<td width="44%" valign="top" style="padding:0in 0in 0in 0in;width:44.76%;">
<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Chairman   of the Board and Chief Executive Officer</font></p>    </td>   </tr>  </table>
<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>
<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">3<a name="PB_3_071040_5335"></a></font></p>
<div style="margin:0in 0in .0001pt;"><hr size="3" width="100%" noshade color="#010101" align="left"></div>
</div>
<!-- SEQ.=1,FOLIO='3',FILE='C:\JMS\C901717\14-7212-1\task6592098\7212-1-ba.htm',USER='C901717',CD='Mar  3 10:12 2014' -->

</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-99.1
<SEQUENCE>2
<FILENAME>a14-7212_1ex99d1.htm
<DESCRIPTION>EX-99.1
<TEXT>


<html>
<head>

  </head>
<body lang="EN-US">
<div style="font-family:Times New Roman;">
<p align="right" style="margin:0in 0in .0001pt;text-align:right;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">Exhibit 99.1</font></b></p>
<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>
<table border="0" cellspacing="0" cellpadding="0" width="100%" style="border-collapse:collapse;width:100.0%;">
<tr>
<td width="51%" valign="top" style="padding:0in 0in 0in 0in;width:51.12%;">
<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman"><img width="368" height="46" src="g72121mmi001.jpg"></font></p>    </td>
<td width="6%" valign="bottom" style="padding:0in 0in 0in 0in;width:6.38%;">
<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>    </td>
<td width="11%" valign="bottom" style="padding:0in 0in 0in 0in;width:11.42%;">
<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>    </td>
<td width="31%" valign="bottom" style="padding:0in 0in 0in 0in;width:31.08%;">
<p style="margin:0in 0in .0001pt 30.25pt;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">FOR IMMEDIATE<br>   RELEASE</font></b></p>    </td>   </tr>
<tr>
<td width="51%" valign="top" style="padding:0in 0in 0in 0in;width:51.12%;">
<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>    </td>
<td width="6%" valign="bottom" style="padding:0in 0in 0in 0in;width:6.38%;">
<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>    </td>
<td width="11%" valign="bottom" style="padding:0in 0in 0in 0in;width:11.42%;">
<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>    </td>
<td width="31%" valign="top" style="padding:0in 0in 0in 0in;width:31.08%;">
<p style="margin:0in .35in .0001pt 40.0pt;text-indent:-10.0pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>    </td>   </tr>
<tr>
<td width="51%" valign="top" style="padding:0in 0in 0in 0in;width:51.12%;">
<p align="right" style="margin:0in 0in .0001pt;text-align:right;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>    </td>
<td width="6%" valign="bottom" style="padding:0in 0in 0in 0in;width:6.38%;">
<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>    </td>
<td width="11%" valign="bottom" style="padding:0in 0in 0in 0in;width:11.42%;">
<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Contact:</font></p>    </td>
<td width="31%" valign="top" style="padding:0in 0in 0in 0in;width:31.08%;">
<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Ruth Pachman/Michael Herley</font></p>    </td>   </tr>
<tr>
<td width="51%" valign="top" style="padding:0in 0in 0in 0in;width:51.12%;">
<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>    </td>
<td width="6%" valign="bottom" style="padding:0in 0in 0in 0in;width:6.38%;">
<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>    </td>
<td width="11%" valign="bottom" style="padding:0in 0in 0in 0in;width:11.42%;">
<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>    </td>
<td width="31%" valign="top" style="padding:0in 0in 0in 0in;width:31.08%;">
<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Kekst and Company</font></p>    </td>   </tr>
<tr>
<td width="51%" valign="top" style="padding:0in 0in 0in 0in;width:51.12%;">
<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>    </td>
<td width="6%" valign="bottom" style="padding:0in 0in 0in 0in;width:6.38%;">
<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>    </td>
<td width="11%" valign="bottom" style="padding:0in 0in 0in 0in;width:11.42%;">
<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>    </td>
<td width="31%" valign="top" style="padding:0in 0in 0in 0in;width:31.08%;">
<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">212-521-4800</font></p>    </td>   </tr>  </table>
<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>
<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">CARVER BANCORP,&nbsp;INC. APPOINTS LAMAE ALLEN DEJONGH</font></b></p>
<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">TO BOARD OF DIRECTORS</font></b></p>
<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>
<p style="margin:0in 0in .0001pt;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">NEW YORK, NEW YORK, February&nbsp;28, 2014</font></b><font size="2" style="font-size:10.0pt;"> &#151; Carver Bancorp,&nbsp;Inc. (&#147;Carver&#148; or the &#147;Company&#148;) (NASDAQ:CARV), the holding company for Carver Federal Savings Bank, announced that LaMae Allen deJongh </font><font size="2" style="font-size:10.0pt;">has been appointed to the Company&#146;s Board of Directors, effective March&nbsp;1, 2014.&#160; </font><font size="2" style="font-size:10.0pt;">Ms.&nbsp;deJongh&#146;s background includes 25 years at management consulting firm Accenture, where she worked closely with global financial institutions on business performance.</font></p>
<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>
<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&#147;LaMae brings a wealth of experience in the financial services space, and she will be a valuable resource as we continue to support Carver&#146;s management team with execution of its business strategy,&#148; said Robert Holland, Lead Independent Director of Carver.&#160; &#147;She joins the three new directors we added last September&nbsp;as we continue to expand the Carver Board with important new skills and perspectives.&#148;</font></p>
<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>
<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Ms.&nbsp;deJongh&#146;s appointment brings the total number of Carver directors to eleven.</font></p>
<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>
<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Deborah C. Wright, Carver Chairman and Chief Executive Officer added, &#147;We are delighted to welcome another distinguished executive to our Board. Ms.&nbsp;deJongh&#146;s diverse experience advising financial institutions and companies at critical junctures, including execution of strategic change initiatives, re-engineering critical business processes, and human capital development, will be invaluable to our organization. As we accelerate our efforts to complete Carver&#146;s turnaround, we are very fortunate to have her relevant experience to draw upon.&#148;</font></p>
<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>
<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Ms.&nbsp;deJongh was a partner at Accenture from 1987 to 2012, where she helped financial institutions increase revenues and reduce costs by providing consulting, technology and outsourcing solutions and had a leadership role in the firm&#146;s North America Capital Markets practice.&#160; Alongside her client service work, Ms.&nbsp;deJongh helped addressed Accenture&#146;s human capital strategy, bringing focus to the recruitment, retention, development and advancement of talent; inclusion and diversity; and corporate citizenship.&#160; She also contributed to strategy-setting and day-to-day operations of Accenture through participation on the CEO Advisory Council, North America Leadership Team, Accenture US Foundation, and Accenture US Investments/Benefits Co.</font></p>
<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>
<div style="margin:0in 0in .0001pt;"><hr size="3" width="100%" noshade color="#010101" align="left"></div>
</div>
<!-- SEQ.=1,FOLIO='',FILE='C:\JMS\107984\14-7212-1\task6592195\7212-1-mm.htm',USER='107984',CD='Mar  3 11:58 2014' -->

<br clear="all" style="page-break-before:always;">
<div>
<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>
<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Ms.&nbsp;deJongh was recognized by Crain&#146;s Business as one of New York City&#146;s Top 40 under 40 rising business leaders, and she is a David Rockefeller Fellow. She holds a B.A. from Princeton University. She serves as Co-Vice Chair of the Board of the Children&#146;s Museum of Manhattan.</font></p>
<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>
<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">About Carver Bancorp,&nbsp;Inc.</font></p>
<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>
<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Carver Bancorp,&nbsp;Inc. is the holding company for Carver Federal Savings Bank, a federally chartered stock savings bank, founded in 1948 to serve African American communities whose residents, businesses and institutions had limited access to mainstream financial services. Carver, the largest African-American and Caribbean run bank in the United States, operates ten full service branches in the New York City Boroughs of Brooklyn, Manhattan and Queens. For further information, please visit the Company&#146;s website at www.carverbank.com.</font></p>
<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>
<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Forward Looking Statements</font></p>
<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>
<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Certain statements in this press release are &#147;forward-looking statements&#148; within the meaning of the Private Securities Litigation Reform Act. These statements are based on management&#146;s current expectations and are subject to uncertainty and changes in circumstances. Actual results may differ materially from those included in these statements due to a variety of factors, risks and uncertainties. More information about these factors, risks and uncertainties is contained in our filings with the Securities and Exchange Commission.</font></p>
<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>
<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;"># # #</font></p>
<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>
<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">2<a name="PB_2_115812_7091"></a></font></p>
<div style="margin:0in 0in .0001pt;"><hr size="3" width="100%" noshade color="#010101" align="left"></div>
</div>
<!-- SEQ.=1,FOLIO='2',FILE='C:\JMS\107984\14-7212-1\task6592195\7212-1-mm.htm',USER='107984',CD='Mar  3 11:58 2014' -->

</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>3
<FILENAME>g72121mmi001.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 g72121mmi001.jpg
M_]C_X``02D9)1@`!`0$`8`!@``#_VP!#``H'!P@'!@H("`@+"@H+#A@0#@T-
M#AT5%A$8(Q\E)"(?(B$F*S<O)BDT*2$B,$$Q-#D[/CX^)2Y$24,\2#<]/CO_
MVP!#`0H+"PX-#AP0$!P[*"(H.SL[.SL[.SL[.SL[.SL[.SL[.SL[.SL[.SL[
M.SL[.SL[.SL[.SL[.SL[.SL[.SL[.SO_P``1"``N`7`#`2(``A$!`Q$!_\0`
M'P```04!`0$!`0$```````````$"`P0%!@<("0H+_\0`M1```@$#`P($`P4%
M!`0```%]`0(#``01!1(A,4$&$U%A!R)Q%#*!D:$((T*QP152T?`D,V)R@@D*
M%A<8&1HE)B<H*2HT-38W.#DZ0T1%1D=(24I35%565UA96F-D969G:&EJ<W1U
M=G=X>7J#A(6&AXB)BI*3E)66EYB9FJ*CI*6FIZBIJK*SM+6VM[BYNL+#Q,7&
MQ\C)RM+3U-76U]C9VN'BX^3EYN?HZ>KQ\O/T]?;W^/GZ_\0`'P$``P$!`0$!
M`0$!`0````````$"`P0%!@<("0H+_\0`M1$``@$"!`0#!`<%!`0``0)W``$"
M`Q$$!2$Q!A)!40=A<1,B,H$(%$*1H;'!"2,S4O`58G+1"A8D-.$E\1<8&1HF
M)R@I*C4V-S@Y.D-$149'2$E*4U155E=865IC9&5F9VAI:G-T=79W>'EZ@H.$
MA8:'B(F*DI.4E9:7F)F:HJ.DI::GJ*FJLK.TM;:WN+FZPL/$Q<;'R,G*TM/4
MU=;7V-G:XN/DY>;GZ.GJ\O/T]?;W^/GZ_]H`#`,!``(1`Q$`/P#U+7=5N=,C
MLUM+6.YGO+D6Z++*8U!*LV20I_N^G>JSWOBB-"[Z3I2JHR2=1?@?]^:/$O\`
MQ]Z!_P!A5?\`T5+6O=P?:;.:#./,0K2>V@I-I.VYQB^/-4:X\K^R;`#./,-^
M^W_T5FMT7GBAE#+I.E$$9!&HOS_Y!KD-.T\71N],=%6[3+1,>I9>J_0BM[PS
MK%S-IL]@,&ZMTS#O[CT_"N&AB92=I]?ZL>%@\RJ2=JRWO:W=;KU)[[7=?TY0
M;C3=*4GHHU&0D_\`D&H-/\4:[J,YABTC3D?&0'U!^?RBJLUIL4ZAK3N6?E(<
M_,_U]!4V@1`W<VKW.RWMH58EC\JCC^0%;JI)R2,(9GBJN*A",4DWMUMW?;R-
M7[5XJ_Z!&E_^#&3_`.,T?:O%7_0(TO\`\&,G_P`9JK;^.++40[Z/IVHZI"AP
M9[>#$9/?!<KG\*ET;QE8:UJTNDI:WMK>PIYDD-U`4*KV/XUT'TI+]J\5?]`C
M2_\`P8R?_&:/M7BK_H$:7_X,9/\`XS5K7=;LO#ND3:IJ#,MO"!NVC).3@`"K
M-C>PZC807MLVZ&XC61#[$9%`&9]J\5?]`C2__!C)_P#&:/M7BK_H$:7_`.#&
M3_XS5+4_'NGZ5K\>AS6&HO>S']RD<((E'/*G/(X/Y5+#XXTQM732;R"[T^]E
M&88KN+9YWLK9P3[9H`L?:O%7_0(TO_P8R?\`QFC[5XJ_Z!&E_P#@QD_^,U3T
M7Q]I.O:O+I5C#>&Z@SYRO#M$6#@[CGUK4UW6XM`L6O;BUN9X4!:1K>/=L`[D
M9Z4`5_M7BK_H$:7_`.#&3_XS1]J\5?\`0(TO_P`&,G_QFL@?$_1"++-IJ0;4
M!NM5^RDF8>J@'FK-]X^L=-MS<7FDZQ#""-TC63!5SZGM0!>^U>*O^@1I?_@Q
MD_\`C-'VKQ5_T"-+_P#!C)_\9K.O_B'IVG:S!I$VG:D;NYY@18`?,'J.?:K-
MMXXTF764T:[2YTZ_EYBAO(MGF?[I&0?SH`L?:O%7_0(TO_P8R?\`QFC[5XJ_
MZ!&E_P#@QD_^,UMU@^)/%^G^%8UFU.&Z$#8'G1Q;D!.>"?7B@!_VKQ5_T"-+
M_P#!C)_\9H^U>*O^@1I?_@QD_P#C-4[KQ[I6G+#+J5O?V-O,0$N)[9A'STRP
MSC\:Z2*6.>))8G5XW`964Y!![B@#'^U>*O\`H$:7_P"#&3_XS1]J\5?]`C2_
M_!C)_P#&:EOO$NF:?KUCHEQ,5O+\,85`R./4]L]JTKB;R('E\MY-@SLC&6/T
M%`&1]J\5?]`C2_\`P8R?_&:/M7BK_H$:7_X,9/\`XS4>@>,](\1WUU86;S1W
M=H<2P3QE'';H:T]2U`:;:FX:VN+A5^\L";F`QUQ0!0^U>*O^@1I?_@QD_P#C
M-'VKQ5_T"-+_`/!C)_\`&:@\.>-M+\4K++IL=UY$(.^>6+9&".V3WP:;%XXL
M+Z:1-'LK_5EB.UYK2',>?0.Q`/X4`6?M7BK_`*!&E_\`@QD_^,T?:O%7_0(T
MO_P8R?\`QFJ^G>-]/O\`74T1[2_L]0D5G6&Z@V94#).<D8XJWJGB?3=+NUL6
M,MU?.NY;2UC,DF/4@?='N<4`,^U>*O\`H$:7_P"#&3_XS1]J\5?]`C2__!C)
M_P#&:H#XA:3;ZA'9:K;7VD23'$;WT&R-S[."15[Q'XMT[PO:)>:BEP;9\`31
M1[U!/0'ZT`+]J\5?]`C2_P#P8R?_`!FC[5XJ_P"@1I?_`(,9/_C-9\_Q!TVS
MLX;^^L-2M+&?:5NY+?\`=X;H3@D@'Z5TBW<4MD+NW/VB)T\Q#%SO&,C'UH`R
M_M7BK_H$:7_X,9/_`(S1]J\5?]`C2_\`P8R?_&:SK'X@V6IW=W:66DZI-/9'
M$\8A4%#^+5I:#XMTCQ%+/;V4SK=6W$]M-&8Y(_J#0`GVKQ5_T"-+_P#!C)_\
M9H^U>*O^@1I?_@QD_P#C-;=9.O>(;;P[:M=WEM=/;(NZ26&/>J#WYH`B^U>*
MO^@1I?\`X,9/_C-'VKQ5_P!`C2__``8R?_&:BTWQA9ZMHTFK65CJ$MJ@RI%N
M<R<X.T=3BI?#7BW2/%=O-+I<[,8'V2QR+M=#[CTH`/M7BK_H$:7_`.#&3_XS
M1]J\5?\`0(TO_P`&,G_QFK&N:Y!H%DUY=6]S+`@)D>"/?L`[D5#X>\467B:T
M:\L8;E;8=)IHMBM],]:`&_:O%7_0(TO_`,&,G_QFC[5XJ_Z!&E_^#&3_`.,U
M77QOIUU=RVVDVUYJSPDK(]G#NC4^F\D+GZ&DLO&]C=:W%HTUCJ-E?39*1W-O
MM#`=2""010!9^U>*O^@1I?\`X,9/_C-%CJ^J-KJ:7J>GVUN9+9YTDM[II?NL
MJD$%%Q]_]*VZPI_^1]LO^P9<?^C8J`#Q+_Q]Z!_V%5_]%2UN$A5+,0`.236'
MXE_X^]`_["J_^BI:=XH%T;!?LX8ID^;M_NXJ9/E5SGQ5;V%&56U[=#F]8NK7
M^W#J%B2C(02^>&8=ZN-?Z5:R?VI8Q[[RX7.TGY8B>O'KFJ4&ZZM386=GODE_
MUDAY)^GH*30XX].UQ[+48E$O2(ORJOV)]C7FWM-::/KV9\71JUJDW*+7OO>V
MD7Y>=OZZFOINB7&IR_;M59RK<JA/+?X"N>^*$[S:GX;\*PLT5KJ-R!,B'`=`
MP&T^W-=!X>UJY_M>YT_4Y"9G<[,]`1U4>E87Q8T^Z@NM$\46T#S1Z1<!IP@R
M53(.['IQ7;0<91O$^GRNG0C2YJ>_5O>_F>AV]O#:6\=O;Q)%#&H5$08"@=@*
MK+I%HNN/K`4_:GMQ;DYXVAB>GKS3],U2RUG3XK_3[A)[>5<JZ']#Z'VJ"Z\0
M:99W<]I-<CSK>W-S*H&=D8[D]O85N>J<_P"*++_A*]>3PW(";""V:XN\'&7/
M$0_`_-^%5OA+>2_\(U<:)=M_I>C73V[J>H7.5/TZ_E3/">DW/B2TN?$T^IZA
M9/JLYDCCMY0H$2_+'G(/;/YUCVX?P1\8X[>2YFGM-?@"F6=@6,@X&<>X`_X%
M0!>\6A5^,OA*1B`/*D&3]&IGQ41->N]$T32RMQJ@NQ+MB.6A0=68C[H^M,\<
M6]KJ'Q<\*V-Y#'/"\,A>.09#?>QD?45!J=FGPR\=IXA@M@GA_45$%RL*\0-V
M./3(S^=`%J[M1X2^,%AJ.2MIKT)MYF[&88QGZD+^M='XZ\^^T^U\/VC%9=7G
M$,C#JD(^:1ORP/QK.^)UC_;W@,ZCID@EDLF2]MY$/4+R2#_NDU/X-U&3Q9>G
MQ,R%;5+9;:U##!+=96_[ZPO_``&@#!\<&ST7QWX,W%8+2U)7IPJCCM6_JWC;
MPY?FUT6*=+Z34YTMFA&Y<(QPS9QV%9'CIT7XG^#@S`?O6ZUU_B*'2%L8]1U0
MK''ILJW22`@$,O('X],=Z`.0\4J@^-/A,N0%\F7J?17Q4/Q+6/7/%'AO2]+V
MSZC#=>;+Y7)BB!'+$=!P>M5_$S6>N?%#P=]MM5:WN[-I&@F`.-RL0&'UQ1?V
M_P#PK'Q^-8M[81>'=6"Q7'ECY;=_7V&>?Q-`'JU<%\9\?\*[N>/^6T7_`*%7
M<PS17$*30R+)&X#*ZG(8>H-<+\:64?#RX!."9X@/?YJ`*/CWQ-HVL^%/[`L[
MJ,W=X41#.#%''@@EBS``8Q]:[7POIHT3PKI^GM<I<"VMU4S*?E;OD>U0:Y%I
M=QX2N)M1$(M&M-TAE`VXV\'Z],?A7G/AS4]3LOA/;Z=$SBYU>\:ST[<3N$;'
MEOH!G%`#_&&GSWGA^Y\>P[C>V^H)+:..=EM&VP`>Q.6->L:;>QZCIEK?1'*7
M$2RK]",USG_"!0_V&=(_MO5#:^1Y/E^8FTKC&,;:R?A#K#2Z+=>'+IO],T69
MH2#W3)Q^1!'X"@#FKWPQJ5_XF\4:]X>N'@UC3-0!C53@2H4!9?\`/6O0?!WC
M"T\8:&TZ#RKR!=EU;MP8WQ_(UF^`YDD\5>,@K`_\3(=#Z+BJ'C#P[?>&M7/C
M/PO$-P4_VE9J<+/'W8#U_P#UT`<9<W]Q8?#;0=%M)6@76]1G69T.#Y8EVD?C
MD?E7N&FZ?:Z7I\-E9PI#!"@5408`KQ6]TB[U+X5>'->TZ%IFTFYGGDC'WMAF
M))_#:*]CT+6K'Q!I$&HZ?.LT,JCD=5/<$=B*`*'B:&TTV*?Q6T9:[TRRE$7/
M&",G^58WPFB-QX4.MW3>=J&IS/)<7#\L^#@#/H,<"M[Q(;+4[.?PS)<A+O4[
M658T`R<;>6/H/K7)?"C54TNQE\&ZJ1:ZM83/MA?CS$)SE3WZG\*`.U\0Z':>
M(M$N=,O8EDCF0[21]QNS#T(->*SZG<7GP4U/3;MVEETG4(X`[?W=W`_#FO;=
M;UFST#29]2OI1'%"N>>K'LH'<DUXWJNB3Z3\&=1O+V)H+G5;]+DQ-P54ME01
MV.*`.]UV^T^U^$H2^>-O.TM(HHNK22&,!0!W.<5H_#K3;W2?`FF6>H!A<+&6
M*MU0$DA3]`0*X[Q'X-$?@[1/$?AJR2+4].BAN6$2\RKM!;([GO\`G7?^&/$E
MAXIT:+4;&4-D`2Q_Q1/W4B@#DO`(_P"+A^,SV^UC^9JM<HM[\=;1]&(W6MJ?
M[2DC/RXP<*V._(_2H/"&FVNL^/O%XGFN5476<6]R\089/7:1FO1=*T/2]"@>
M+3;.*U5SN<J.7/JS'D_C0!H5S?Q#_P"2?ZW_`->C5T2.DB!XV5U;D,IR#7.?
M$5@OP^ULDC_CU8<T`'PZ0)\/M%4=/LP_F:\WCT/4M)%_XV\-2-]HL]3N4N[0
M'Y9X1(>@]A_CVKT?X=R`_#S1GZ`6H_0FJ'PNG2Z\.WTBLKJ^IW!X.1RV?ZT`
M7X=?L?%G@&[U&S;*2V<H>,GF-MARI^E>?Z_J5UIOP4\.6-G*T+:D(X79#@[3
MDD?C5WQ5HE]\/[_4->T:,R:'J$3QWUDG'E,P(#@>F3^'2H?$FB7>I_!G0+C3
MXFFDTU(YRB#DJ`02![=:`/4-$TFVT+1K73+6-4CMXPORC[Q[GZD\U)<:;;7.
MHVE_*I,UF'$1]-P`/\JI^%_$%KXET"UU*UE5S(@\U0>4?'S`CMS5V?4;2VO+
M>SEF`N+G/E1CDM@9)^@]:`+584__`"/ME_V#+C_T;%6C::OIU]=W%I:WL,UQ
M:G$T:."T9]Q6=/\`\C[9?]@RX_\`1L5`!XE_X^]`_P"PJO\`Z*EK<ZUGZQI"
MZO%;K]KGM9+:<3Q2P;=P8*R_Q`C&&/:JO]@ZC_T-.J?]^[?_`.-4`;"1QQC"
M(J@_W1BN=\7Z,UY;+?6Z9G@^]CJR_P#UJM?V#J/_`$-.J?\`?NW_`/C5']@Z
MC_T-.J?]^[?_`.-5G4IJI%Q9SU\/"O2=*6S.+NM1%W=6EVBLETFT2D=&(/!_
M*O2P%GMP)4#*Z_,K#(.1R*YA?`B+=_:AKNH^;G.?+M\9^GE8K0_L'4?^AIU3
M_OW;_P#QJL</1E3;<GN<F`PE7#N;J23O;;\_5E<>`O#\,LDEE!<:>93EQ974
MD"M_P%6`HA\`^'(;*ZM%LG:.]*FY9KB0O-CH&;=DCVZ58_L'4?\`H:=4_P"_
M=O\`_&J/[!U'_H:=4_[]V_\`\:KJ/3+6CZ%I^@6S6NFPM#`3D1F5F5?H&)Q^
M%4=5\$>'];U%=0U&SDGN4(*.;B0;,=-H#8'3M4G]@ZC_`-#3JG_?NW_^-4?V
M#J/_`$-.J?\`?NW_`/C5`%6Y^'WAJ\U`:A<V4TMV#E9VNY2Z^F#NXK;;3;27
M3O[/GA%Q;%-A2<F3</<MDG\:SO[!U'_H:=4_[]V__P`:H_L'4?\`H:=4_P"_
M=O\`_&J`'Z7X5T?1HYH;"WDBAF4H\)G=H\'KA"2!^`J[IFF6>CZ?#I^GP+!;
M0C"1J20._>L_^P=1_P"AIU3_`+]V_P#\:H_L'4?^AIU3_OW;_P#QJ@"'4?`O
MAW5K\WVH6+W-QG(>2XD.SO\`*-WRCV%07'PX\*W94W.G/-L.5#W,I`_#=5W^
MP=1_Z&G5/^_=O_\`&J/[!U'_`*&G5/\`OW;_`/QJ@"K<?#[PS=WXOY[&5[I3
ME93=2[D],?-P!Z"MR;3[2YL&L+F%;BV9-C1S?/N'OGK6;_8.H_\`0TZI_P!^
M[?\`^-4?V#J/_0TZI_W[M_\`XU0!/HOAO2_#R/'I<,D$;]8_.=D'T5B0/PJ'
M7/".B^)'4ZO;27*I]V,W$BH#Z[0P&>>N*3^P=1_Z&G5/^_=O_P#&J/[!U'_H
M:=4_[]V__P`:H`K#P!X;V1QR64L\46-D,]U+)&,=/E9B/TJ;4_!6@:O=P75Y
M:.TMLH6#R[B2,1`=-H5@%^HI_P#8.H_]#3JG_?NW_P#C5']@ZC_T-.J?]^[?
M_P"-4`:OV6/[']EW2>7LV9\QM^,8^]G.??.:P++X?>&].NIKNSM;B"XG!$LJ
M7LP9\\G)W5:_L'4?^AIU3_OW;_\`QJC^P=1_Z&G5/^_=O_\`&J`*^F^`O#ND
M7GVS3[6>VG)RSI=RC?W^;YOF_&NB90RE6`((P0>]8O\`8.H_]#3JG_?NW_\`
MC5']@ZC_`-#3JG_?NW_^-4`7-(T6PT/3_L&GP^5;;V<1DY`W')`SVYZ5EGP)
MH<=U)<V4=QITDIS)]AN7A5C[JIQ^E6/[!U'_`*&G5/\`OW;_`/QJC^P=1_Z&
MG5/^_=O_`/&J`%T?PGI&B7TM_:Q2O>3+LDN)YGE=EZXRQ-+K?A+0_$+I+J5B
MLD\?W)T)21?HRX--_L'4?^AIU3_OW;__`!JC^P=1_P"AIU3_`+]V_P#\:H`B
MLO!.B6=S'=-%/>3Q',;WEP\VP^H#$@'WQ5C7?"FC^)=@U>WDN4C^['Y\BIGU
MV@@9]Z9_8.H_]#3JG_?NW_\`C5']@ZC_`-#3JG_?NW_^-4`7=)T>RT2S%I8K
M*D`^ZDDSR!1Z#<3@>PK,_P"$&\/IJ,NH6UK+9W$W^M:TN9(0_P!0C`5-_8.H
M_P#0TZI_W[M__C5']@ZC_P!#3JG_`'[M_P#XU0!7T[P%X=TB]-YI]I/;SL<N
MZ7<N7YS\WS?-SZUN7WD_89Q<(SPF,AU12Q(QR`!S^59?]@ZC_P!#3JG_`'[M
M_P#XU1_8.H_]#3JG_?NW_P#C5`%7P'HLVA>'C:R+)%$UQ));P2-N:&)FRJD^
MN/YU?USPQI7B-%CU6&6>)1_JA<2(A^JJP!/UJ+^P=1_Z&G5/^_=O_P#&J/[!
MU'_H:=4_[]V__P`:H`9:^"]#LM+ETNVAN(K.;[T*WDH`YSQ\W&>^.M)HW@G0
M?#\_G:5;36ISDHEU+L8XQRI;!_$5)_8.H_\`0TZI_P!^[?\`^-4?V#J/_0TZ
MI_W[M_\`XU0!JW5K!>VLMK<QK+#,I1T89#`U%I>F6NCZ9!IUFA6WMTV1JS;B
M!]36?_8.H_\`0TZI_P!^[?\`^-4?V#J/_0TZI_W[M_\`XU0!!+X%T(WTE]:P
MS6%S*<R265P\._ZA3C]*FTKPAH^CZD^IV\<TM](A1KBXG>5]OIEB:7^P=1_Z
M&G5/^_=O_P#&J/[!U'_H:=4_[]V__P`:H`DTOPOI&C:I>ZE8VOE7-^<SON)S
MWX';FH9_^1]LO^P9<?\`HV*G?V#J/_0TZI_W[M__`(U3[#0&M=5&I7.JWE],
3L#0()Q&`JLRL>$1><J.M`'__V3\_
`
end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
