<SEC-DOCUMENT>0001104659-24-116167.txt : 20241112
<SEC-HEADER>0001104659-24-116167.hdr.sgml : 20241112
<ACCEPTANCE-DATETIME>20241112061050
ACCESSION NUMBER:		0001104659-24-116167
CONFORMED SUBMISSION TYPE:	DFAN14A
PUBLIC DOCUMENT COUNT:		3
FILED AS OF DATE:		20241112
DATE AS OF CHANGE:		20241112

SUBJECT COMPANY:	

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			CARVER BANCORP INC
		CENTRAL INDEX KEY:			0001016178
		STANDARD INDUSTRIAL CLASSIFICATION:	SAVINGS INSTITUTION, FEDERALLY CHARTERED [6035]
		ORGANIZATION NAME:           	02 Finance
		IRS NUMBER:				133904174
		STATE OF INCORPORATION:			DE
		FISCAL YEAR END:			0331

	FILING VALUES:
		FORM TYPE:		DFAN14A
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-13007
		FILM NUMBER:		241442896

	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

FILED BY:		

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			Dream Chasers Capital Group LLC
		CENTRAL INDEX KEY:			0001914524
		ORGANIZATION NAME:           	
		IRS NUMBER:				880569906
		STATE OF INCORPORATION:			DE

	FILING VALUES:
		FORM TYPE:		DFAN14A

	BUSINESS ADDRESS:	
		STREET 1:		45 WALL STREET
		STREET 2:		27 FLOOR
		CITY:			NEW YORK
		STATE:			NY
		ZIP:			10005
		BUSINESS PHONE:		9179692814

	MAIL ADDRESS:	
		STREET 1:		45 WALL STREET
		STREET 2:		27 FLOOR
		CITY:			NEW YORK
		STATE:			NY
		ZIP:			10005
</SEC-HEADER>
<DOCUMENT>
<TYPE>DFAN14A
<SEQUENCE>1
<FILENAME>tm2426799-8_dfan14a.htm
<DESCRIPTION>DFAN14A
<TEXT>
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    <title>tm2426799-8_dfan14a - none - 2.062511s</title>
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          <font style="letter-spacing:-0.2pt;">UNITED STATES </font>
          <br >
          <font style="letter-spacing:-0.2pt;">SECURITIES AND EXCHANGE COMMISSION </font>
          <br >
          <font style="letter-spacing:-0.2pt;">Washington, D.C. 20549</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:-0.28pt;">SCHEDULE 14A</font><font style="font-weight:normal;letter-spacing:0.28pt;"> </font>
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          <font style="letter-spacing:-0.2pt;">Proxy Statement Pursuant to Section&#160;14(a) of the </font>
          <br >
          <font style="letter-spacing:-0.2pt;">Securities Exchange Act of 1934 </font>
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          <font style="letter-spacing:-0.2pt;">(Amendment No. 1)</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:0.2pt;">Filed by the Registrant&nbsp;&nbsp;&nbsp;&#9744; </font>
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          <font style="letter-spacing:0.2pt;">Filed by a Party other than the Registrant&nbsp;&nbsp;&nbsp;&#9746; </font>
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          <font style="letter-spacing:0.2pt;">Preliminary Proxy Statement </font>
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          <font style="font-weight:bold;letter-spacing:-0.2pt;">Confidential, for Use of the Commission Only (as permitted by Rule&#160;14a-6(e)(2))</font><font style="letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:0.2pt;">Definitive Proxy Statement </font>
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          <font style="letter-spacing:0.2pt;">Definitive Additional Materials </font>
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          <font style="letter-spacing:0.2pt;">Soliciting Material Pursuant to &#167;240.14a-12 </font>
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        <div style="margin-top:24pt; text-align:center; width:456pt; line-height:16pt;font-weight:bold;font-size:14pt;">
          <font style="letter-spacing:-0.28pt;">Carver Bancorp, Inc.</font><font style="font-weight:normal;letter-spacing:0.28pt;"> </font>
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        <div style="margin-top:3pt; text-align:center; width:456pt; line-height:10pt;font-size:8pt;">
          <font style="letter-spacing:0.16pt;">(Name of Registrant as Specified in Its Charter) </font>
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        <div style="margin-top:12pt; text-align:center; width:456pt; line-height:12pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">Dream Chasers Capital Group LLC </font>
          <br >
          <font style="letter-spacing:-0.2pt;">Gregory Lewis </font>
          <br >
          <font style="letter-spacing:-0.2pt;">Shawn Herrera </font>
          <br >
          <font style="letter-spacing:-0.2pt;">Kevin Winters </font>
          <br >
          <font style="letter-spacing:-0.2pt;">Jeffrey Bailey </font>
          <br >
          <font style="letter-spacing:-0.2pt;">Jeffrey Anderson</font>
        </div>
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          <div style="margin-left: 0pt; width: 456pt; margin-top: 0pt; font-size: 1pt; line-height: 0pt; border-bottom: 1pt solid #000000; ">&#8203;</div>
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          <font style="letter-spacing:0.16pt;">(Name of Person(s) Filing Proxy Statement if other than the Registrant) </font>
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          <font style="letter-spacing:0.2pt;">Payment of Filing Fee (Check all boxes that apply): </font>
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          <font style="letter-spacing:0.2pt;">No fee required. </font>
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          <font style="letter-spacing:0.2pt;">Fee paid previously with preliminary materials. </font>
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          <font style="letter-spacing:0.2pt;">Fee computed on table in exhibit required by Item&#160;25(b) per Exchange Act Rules 14a6(i)(1) and 0-11.</font>
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          <font style="letter-spacing:0.2pt;">&#160;</font>
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        <div style="text-align:center; width:456pt; line-height:12pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">Dream Chasers, Representing 9.7% of Carver Bancorp Shares, Urges Shareholder Support of Two New Board Nominees</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
        </div>
        <div style="margin-top:8pt; text-align:center; width:456pt; line-height:12pt;font-style:italic;">
          <font style="letter-spacing:0.2pt;">Confident Highly Successful, Independent Nominees Will Drive Shareholder Value Increase</font><font style="font-style:normal;letter-spacing:0.2pt;"> </font>
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        <div style="margin-top:8pt; text-align:center; width:456pt; line-height:12pt;font-style:italic;">
          <font style="letter-spacing:0.2pt;">Dream Chasers Letter Reminds Shareholders of <font style="white-space:nowrap;">-80%</font> 10-yr Stock Price Loss Under Current Directors</font><font style="font-style:normal;letter-spacing:0.2pt;"> </font>
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        <div style="margin-top:8pt; text-align:center; width:456pt; line-height:12pt;font-style:italic;">
          <font style="letter-spacing:0.2pt;">Urges a &#8220;WITHOLD&#8221; Vote Against Carver&#8217;s Non-Performing Directors</font><font style="font-style:normal;letter-spacing:0.2pt;"> </font>
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        <div style="margin-top:8pt; text-align:center; width:456pt; line-height:12pt;font-style:italic;">
          <font style="letter-spacing:0.2pt;">Sends Proxy Material and Encourages Vote for Change by Selecting Jeffrey &#8220;Jeff&#8221; Anderson and Jeffrey John Bailey on the </font><font style="font-weight:bold;letter-spacing:-0.2pt;">BLUE</font><font style="letter-spacing:0.2pt;"> Proxy Card to Give Carver Best Chance to Return to Profitability</font><font style="font-style:normal;letter-spacing:0.2pt;"> </font>
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        <div style="margin-top:8pt; text-align:center; width:456pt; line-height:12pt;font-style:italic;">
          <font style="letter-spacing:0.2pt;">Carver Lags Bank Index by 45% in the Last Year and 237% Over Last Ten Years; Only One Profitable Fiscal Year in Last Decade</font><font style="font-style:normal;letter-spacing:0.2pt;"> </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">New York, NY (November&#160;11, 2024)&#8201;&#8212;&#8201;Dream Chasers Capital Group LLC (&#8220;Dream Chasers&#8221;), representing shareholders with a 9.7% stake in Carver Bancorp, Inc. (the &#8220;Company&#8221;) (NASDAQ: CARV), today issued an open letter to shareholders in advance of the Company&#8217;s 2024 Annual Meeting of Stockholders, set for December&#160;12, 2024. </font>
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        <div style="margin-left:20pt; margin-top:8pt; width:436pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">The full text of the letter is below: </font>
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          <font style="letter-spacing:0.2pt;">Dear Fellow Carver Shareholders: </font>
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        <div style="margin-left:20pt; margin-top:8pt; width:436pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">Dream Chasers believes it is time for Carver Bancorp shareholders to dream big again. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">Now is the time to end&#160;years of poor stock price performance, operating losses into the millions of dollars and massive shareholder value destruction at Carver Bancorp, Inc. (&#8220;Carver&#8221;, the &#8220;Bank&#8221;, or the &#8220;Company&#8221;) under the leadership of this current Board of Directors (the &#8220;Board&#8221;). </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">To achieve this, Dream Chasers Capital Group (&#8220;Dream Chasers&#8221;), representing shareholders with a 9.7% stake in Carver, has nominated two new independent candidates for election to the Board at the upcoming December&#160;12, 2024 annual meeting. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">We encourage you to </font><font style="font-weight:bold;letter-spacing:-0.2pt;">vote FOR Mr.&#160;Jeffrey &#8220;Jeff&#8221; Anderson</font><font style="letter-spacing:0.2pt;"> and </font><font style="font-weight:bold;letter-spacing:-0.2pt;">Mr.&#160;Jeffrey Bailey</font><font style="letter-spacing:0.2pt;"> on the enclosed </font><font style="font-weight:bold;letter-spacing:-0.2pt;">BLUE</font><font style="letter-spacing:0.2pt;"> proxy card to ensure the voice of the shareholder is heard by this Board. </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">Simply put, the Bank, under this Board, has lost millions of dollars, has a stock price down almost 80% since 2014 and has a seven-member board, including two members who are up for reelection, determined to hold on to their director salaries while overseeing a staggering destruction of shareholder capital. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">Dream Chasers, like all fellow shareholders, wants to see Carver do well for the community, but change is needed. This Board has had ten&#160;years to produce but has failed miserably. </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">We believe our two nominees&#8201;&#8212;&#8201;Mr.&#160;Bailey and Mr.&#160;Anderson&#8201;&#8212;&#8201;have the record of success and experience necessary to help guide the Bank back to profitability and lead to what we hope is a significant increase in long term shareholder value. </font>
        </div>
        <div style="margin-top:12pt; text-align:center; width:456pt; line-height:12pt;font-weight:bold;">
          <font style=" text-decoration:underline #000000 solid;letter-spacing:-0.2pt;">A failed record: Millions in losses and abysmal share performance</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">Over the last decade, Carver has lost nearly $25&#160;million after taxes</font><font style=" position:relative; bottom:4.25pt;font-size:7.5pt;letter-spacing:0.15pt;">1</font><font style="letter-spacing:0.2pt;"> and reported just one profitable year. That profit was over five&#160;years ago in 2018, when a one-time sale and leaseback of Carver&#8217;s Harlem headquarters masked what would have been another year of losses</font><font style=" position:relative; bottom:4.25pt;font-size:7.5pt;letter-spacing:0.15pt;">2</font><font style="letter-spacing:0.2pt;">. </font>
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          <font style=" position:relative; bottom:4.25pt;font-size:7.5pt;letter-spacing:0.15pt;">1</font><font style="letter-spacing:0.2pt;">&#8199;Reflects net income attributable to Carver Bancorp for the&#160;years 2014 to 2023, according to Company SEC filings and S&amp;P Capital IQ Pro.</font>
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        <div style="margin-top:6pt; width:456pt; line-height:12pt;">
          <font style=" position:relative; bottom:4.25pt;font-size:7.5pt;letter-spacing:0.15pt;">2</font><font style="letter-spacing:0.2pt;">&#8199;Income before taxes would have been -$4.3&#160;million excluding the $9.6&#160;million gain on sale, as reported In Carver&#8217;s 2018 Form 10-K filed with the SEC, which can be found at https://www.sec.gov/Archives/edgar/data/</font>&#8203;<font style="letter-spacing:0.2pt;">1016178/000101617818000008/fy201810kdocument.htm</font></div>
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          <font style="letter-spacing:0.2pt;">&#160;</font>
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      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">&#8203;</div>
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        <div style="margin-top:17pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
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        <div style="text-indent:20pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">Total shareholder returns for the last ten&#160;years have been <font style="white-space:nowrap;">-79%</font> compared to +158% for the S&amp;P U.S. BMI Banks Index, or 237% underperformance</font><font style=" position:relative; bottom:4.25pt;font-size:7.5pt;letter-spacing:0.15pt;">3</font><font style="letter-spacing:0.2pt;">. To put that in perspective, a $10,000 investment in Carver stock on October&#160;23, 2014 would be worth only approximately $2,000 today while the same investment in the bank index would be worth over $25,000. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">Carver has underperformed the bank index by 45%, 97% and 94% over the last one, three and five&#160;years, respectively. </font>
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                <font style="letter-spacing:-0.16pt;">Total Shareholder Return</font><font style=" position:relative; bottom:3.25pt;line-height:5pt;font-size:5pt;letter-spacing:-0.12pt;">3</font>
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            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 2.167pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="letter-spacing:-0.16pt;">Carver </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 2.167pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="letter-spacing:-0.16pt;">S&amp;P U.S. </font>
                <br >
                <font style="letter-spacing:-0.16pt;">BMI Banks </font>
                <br >
                <font style="letter-spacing:-0.16pt;">Index </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 2.167pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="letter-spacing:-0.16pt;">Relative </font>
                <br >
                <font style="letter-spacing:-0.16pt;">Performance </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.25pt 0pt 1.5pt 0pt; width:275.72pt;text-align:left;">
              <div style="font-weight:bold;">
                <font style="letter-spacing:-0.2pt;">1-Year</font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.675pt;width:0pt;">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:9.75pt; text-align:right; white-space:nowrap;">19<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:4.675pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:12.08pt;width:0pt;">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:11.25pt; text-align:right; white-space:nowrap;">64<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:12.08pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:12.05pt;width:0pt;">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">-45<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:12.05pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:275.72pt;text-align:left;">
              <div style="font-weight:bold;">
                <font style="letter-spacing:-0.2pt;">3-Year</font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.675pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:9.75pt; text-align:right; white-space:nowrap;">-89<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:4.675pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:12.08pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:11.25pt; text-align:right; white-space:nowrap;">8<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:12.08pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:12.05pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">-97<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:12.05pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:275.72pt;text-align:left;">
              <div style="font-weight:bold;">
                <font style="letter-spacing:-0.2pt;">5-Year</font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.675pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:9.75pt; text-align:right; white-space:nowrap;">-46<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:4.675pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:12.08pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:11.25pt; text-align:right; white-space:nowrap;">48<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:12.08pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:12.05pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">-94<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:12.05pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:275.72pt;text-align:left;">
              <div style="font-weight:bold;">
                <font style="letter-spacing:-0.2pt;">10-Year</font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.675pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:9.75pt; text-align:right; white-space:nowrap;">-79<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:4.675pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:12.08pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:11.25pt; text-align:right; white-space:nowrap;">158<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:12.08pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:12.05pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">-237<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:12.05pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
        </table>
        <div style="margin-left:20pt; margin-top:8.1pt; width:436pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">The Board is responsible for Carver&#8217;s results and shareholders must hold them accountable. </font>
        </div>
        <div style="margin-top:12pt; text-align:center; width:456pt; line-height:12pt;font-weight:bold;">
          <font style=" text-decoration:underline #000000 solid;letter-spacing:-0.2pt;">An entrenched Board, disconnected from shareholder concerns</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
        </div>
        <div style="margin-left:20pt; margin-top:8pt; width:436pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">One cannot keep doing the same thing and expect a different result. </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">Carver&#8217;s Board is dominated by members who have served over the entirety of the last decade&#8217;s losses. Four of the seven Board members have been in place since at least 2013, one of whom was elected to the Board in 1997. These Board members have had ample opportunity to ensure a successful strategy, and they have failed to do so. </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">Members of the Board together own a total of only 16,566</font><font style=" position:relative; bottom:4.25pt;font-size:7.5pt;letter-spacing:0.15pt;">4</font><font style="letter-spacing:0.2pt;"> shares in the Company out of approximately 5.1&#160;million outstanding, which is 0.32% of the shares. The Board is clearly unaligned with the interests of shareholders and has no incentive to do what is necessary to right the ship. </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">The most recent example is the 2023 sale of approximately 8% of the Company&#8217;s shares to the National Community Investment Fund for a paltry $1&#160;million, the proceeds earmarked for &#8220;general corporate purposes.&#8221;</font><font style=" position:relative; bottom:4.25pt;font-size:7.5pt;letter-spacing:0.15pt;">5</font><font style="letter-spacing:0.2pt;"> The Board thus valued the Company&#8217;s stock at $2.64 per share, which is outrageous given the Company&#8217;s shares traded at over $15 per share as recently as November&#160;2021. For Fiscal Year 2024, Carver reported a loss of $3&#160;million, which means this Board sold 8% of the Company to finance approximately four&#160;months of losses. </font>
        </div>
        <div style="margin-top:12pt; text-align:center; width:456pt; line-height:12pt;font-weight:bold;">
          <font style=" text-decoration:underline #000000 solid;letter-spacing:-0.2pt;">Our nominees bring deep financial services expertise and shareholder perspective</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">Jeffrey &#8220;Jeff&#8221; Anderson is a retired banking executive who has served in CFO, chief of staff and corporate finance and planning roles at some of the most highly respected financial institutions in the world, including J.P. Morgan Chase, Bank of America, AIG and Goldman Sachs. </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">Mr.&#160;Anderson has driven retail branch strategy, technology implementation and expense management. At J.P. Morgan, he was CFO for the Northeast Region Retail Banking organization from 2018 until his retirement in 2020, which included over 800 banking centers with $3.7&#160;billion in revenue, $1.7&#160;billion in pretax </font>
        </div>
      </div>
      <div style="margin-left:69.66pt;width:456pt;">
        <div style="width:456pt;">
          <div style="margin-left: 0pt; width: 108pt; margin-top: 0pt; font-size: 1pt; line-height: 0pt; border-bottom: 1pt solid #000000; ">&#8203;</div>
        </div>
        <div style="margin-top:6pt; width:456pt; line-height:12pt;">
          <font style=" position:relative; bottom:4.25pt;font-size:7.5pt;letter-spacing:0.15pt;">3</font><font style="letter-spacing:0.2pt;">&#8199;Source: S&amp;P Capital IQ Pro. Returns are for the period ended October 23, 2024, one day prior to the filing of Dream Chasers Capital Group&#8217;s preliminary proxy statement. </font>
        </div>
        <div style="margin-top:6pt; width:456pt; line-height:12pt;">
          <font style=" position:relative; bottom:4.25pt;font-size:7.5pt;letter-spacing:0.15pt;">4</font><font style="letter-spacing:0.2pt;">&#8199;As set forth in the Company&#8217;s Definitive Proxy Statement filed by the Company with the SEC on October&#160;31, 2024, which can be found at sec.gov/Archives/edgar/data/1016178/000110465924113051/</font>&#8203;<font style="letter-spacing:0.2pt;">tm2425801d1_defc14a.htm. Share count does not include options held by Board members. Percentages based upon an aggregate of 5,140,872 shares of common stock outstanding as of October&#160;15, 2024, as reported in the Company&#8217;s Definitive Proxy Statement.</font></div>
        <div style="margin-top:6pt; width:456pt; line-height:12pt;">
          <font style=" position:relative; bottom:4.25pt;font-size:7.5pt;letter-spacing:0.15pt;">5</font><font style="letter-spacing:0.2pt;">&#8199;As disclosed in the Form 8-K filed by the Company with the SEC on July&#160;20, 2023, which can be found at sec.gov/Archives/edgar/data/1016178/000110465923082563/tm2321673d1_8k.htm</font>
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:35.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">&#8203;</div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:17pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-bottom:6pt;margin-left:69.66pt;width:456pt;">
        <div style="width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">earnings, $100&#160;billion in deposits and investments, and $15&#160;billion in loans. He has exactly the kind of experience that shareholders need on the Board. </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">Jeffrey John Bailey is Carver&#8217;s largest individual shareholder. He holds over twenty times</font><font style=" position:relative; bottom:4.25pt;font-size:7.5pt;letter-spacing:0.15pt;">6</font><font style="letter-spacing:0.2pt;"> the shares of the current Board and will bring the voice of the shareholder to his Board service. </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">Mr.&#160;Bailey has been the CEO of Dunham Metal Processing since 2016, a specialized provider of metal components to the automotive, aerospace, maritime and medical equipment industries. Since joining the company in 1988, Mr.&#160;Bailey has helped drive a 25x increase in revenue at Dunham. His customers are in highly regulated and complex industries, and he will bring new perspectives and useful experience to the Board. </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">Shareholders should elect Mr.&#160;Anderson and Mr.&#160;Bailey to the Board to ensure Carver is focused on driving profitable growth and long-term shareholder value. </font>
        </div>
        <div style="margin-top:12pt; text-align:center; width:456pt; line-height:12pt;font-weight:bold;">
          <font style=" text-decoration:underline #000000 solid;letter-spacing:-0.2pt;">Dream Chasers&#8217; vision for growth</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">Dream Chasers&#8217; plan for growth at the &#8220;New Carver&#8221; is simple: adopt a strategy similar to those of the most successful banking institutions, such as J.P. Morgan. It is a model the latter has ridden to unprecedented profitability and returns for its shareholders. The model involves: </font>
        </div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:6pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
          <br >
        </div>
        <div style=" margin-top:6pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">Taking Carver&#8217;s existing consumer banking services and establishing a broker dealer and other licenses so it can offer additional wealth building services, such as brokerage accounts </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:6pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
          <br >
        </div>
        <div style=" margin-top:6pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">Implementing a marketing and technology plan to drive customer and deposit acquisition </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:6pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
          <br >
        </div>
        <div style=" margin-top:6pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">Offering a broad array of wealth products which will attract customers and deposits and lead to new fees and commission revenues </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style="margin-top:12pt; text-align:center; width:456pt; line-height:12pt;font-weight:bold;">
          <font style=" text-decoration:underline #000000 solid;letter-spacing:-0.2pt;">Carver does not tie compensation to performance</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">In addition, Carver recently hired a new CEO, Donald Felix. Mr.&#160;Felix received a massive, guaranteed salary of $700,000 per year, along with a $500,000 cash bonus opportunity annually based initially on &#8220;qualitative&#8221; factors that have little to do with shareholder value creation, and an annual equity grant valued at $100,000</font><font style=" position:relative; bottom:4.25pt;font-size:7.5pt;letter-spacing:0.15pt;">7</font><font style="letter-spacing:0.2pt;">. This is a huge sum of money for a bank with Carver&#8217;s record of results, and almost all of it is in cash that is not tied to shareholder returns. </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">We encourage shareholders to vote </font><font style="font-style:italic;font-weight:bold;letter-spacing:-0.2pt;">AGAINST</font><font style="letter-spacing:0.2pt;"> the advisory vote on executive compensation. This Board has handsomely rewarded executives that have presided over massive losses, and shareholders should not rubber-stamp that compensation. </font>
        </div>
        <div style="margin-top:12pt; text-align:center; width:456pt; line-height:12pt;font-weight:bold;">
          <font style=" text-decoration:underline #000000 solid;letter-spacing:-0.2pt;">Carver performs poorly when compared to peers</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">Perhaps unsurprisingly given its long-standing losses, Carver provides no peer set in its proxy materials for shareholders to analyze the Company&#8217;s performance. We have looked at the performance of several other banks that have historically served African American communities. It is clear to us that Carver&#8217;s focus on its community cannot be an excuse for such poor results. </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">Among these five banks that serve largely African American communities, Carver&#8217;s results are by far the worst</font><font style=" position:relative; bottom:4.25pt;font-size:7.5pt;letter-spacing:0.15pt;">8</font><font style="letter-spacing:0.2pt;">. The Company has negative returns on its assets and an efficiency ratio over 100%&#8201;&#8212;&#8201;meaning it is spending more than it is earning in revenue. </font><font style="font-style:italic;font-weight:bold;letter-spacing:-0.2pt;">The Company, and this Board, can and must do better.</font><font style="letter-spacing:0.2pt;"> </font>
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      <div style="margin-left:69.66pt;width:456pt;">
        <div style="width:456pt;">
          <div style="margin-left: 0pt; width: 108pt; margin-top: 0pt; font-size: 1pt; line-height: 0pt; border-bottom: 1pt solid #000000; ">&#8203;</div>
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        <div style="margin-top:6pt; width:456pt; line-height:12pt;">
          <font style=" position:relative; bottom:4.25pt;font-size:7.5pt;letter-spacing:0.15pt;">6</font><font style="letter-spacing:0.2pt;">&#8199;Bailey owns as of the Record Date of October&#160;15, 2024 as set by the Company in its Definitive Proxy Statement filed with the SEC on October&#160;31, 2024, an aggregate of 358,274 shares, however beneficially owns for purposes of Section&#160;13(d) 259,474 shares.</font>
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        <div style="margin-top:6pt; width:456pt; line-height:12pt;">
          <font style=" position:relative; bottom:4.25pt;font-size:7.5pt;letter-spacing:0.15pt;">7</font><font style="letter-spacing:0.2pt;">&#8199;As disclosed in the Form 8-K filed by the Company with the SEC on September&#160;16, 2024, which can be found at sec.gov/Archives/edgar/data/1016178/000094337424000375/form8k_091124.htm</font>
        </div>
        <div style="margin-top:6pt; width:456pt; line-height:12pt;">
          <font style=" position:relative; bottom:4.25pt;font-size:7.5pt;letter-spacing:0.15pt;">8</font><font style="letter-spacing:0.2pt;">&#8199;Source for data in table: S&amp;P Capital IQ Pro. The group includes banks that historically serve African American communities and have assets under $800&#160;million.</font>
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:35.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
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      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">&#8203;</div>
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          <font style="letter-spacing:0.2pt;">&#160;</font>
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          <tr style="line-height:9pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 2.167pt 0pt; width:245.24pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.16pt;">Bank </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 2.167pt 0pt; width:71.67pt;">
              <div style="white-space:nowrap; text-align:center;">
                <font style="letter-spacing:-0.16pt;">Location </font>
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            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 2.167pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="letter-spacing:-0.16pt;">Return on Average </font>
                <br >
                <font style="letter-spacing:-0.16pt;">Assets (2023) </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 2.167pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="letter-spacing:-0.16pt;">Efficiency </font>
                <br >
                <font style="letter-spacing:-0.16pt;">Ratio (2023) </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
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          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.25pt 0pt 1.5pt 0pt; width:245.24pt;text-align:left;">
              <div style="white-space:nowrap;font-weight:bold;">
                <font style="letter-spacing:-0.2pt;">Carver Federal Savings Bank</font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; width:71.67pt;text-align:left;">
              <font style="letter-spacing:0.2pt;">New York, NY </font>
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            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:20.07pt;width:0pt;">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:15.75pt; text-align:right; white-space:nowrap;">-0.27<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:20.07pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:9.595pt;width:0pt;">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">106.4<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:9.595pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:245.24pt;text-align:left;">
              <div style="white-space:nowrap;font-weight:bold;">
                <font style="letter-spacing:-0.2pt;">Citizens Trust Bank</font>
              </div>
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            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:71.67pt;text-align:left;">
              <font style="letter-spacing:0.2pt;">Atlanta, GA </font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:20.07pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:15.75pt; text-align:right; white-space:nowrap;">2.06<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:20.07pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:9.595pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">48.2<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:9.595pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
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          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:245.24pt;text-align:left;">
              <div style="white-space:nowrap;font-weight:bold;">
                <font style="letter-spacing:-0.2pt;">Industrial Bank</font>
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            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:71.67pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Washington, DC </font>
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            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:20.07pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:15.75pt; text-align:right; white-space:nowrap;">0.29<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:20.07pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:9.595pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">78.1<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:9.595pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
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          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:245.24pt;text-align:left;">
              <div style="white-space:nowrap;font-weight:bold;">
                <font style="letter-spacing:-0.2pt;">OneUnited Bank</font>
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            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:71.67pt;text-align:left;">
              <font style="letter-spacing:0.2pt;">Boston, MA </font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:20.07pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:15.75pt; text-align:right; white-space:nowrap;">0.66<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:20.07pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:9.595pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">86.1<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:9.595pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
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          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:245.24pt;text-align:left;">
              <div style="white-space:nowrap;font-weight:bold;">
                <font style="letter-spacing:-0.2pt;">The Harbor Bank of Maryland</font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:71.67pt;text-align:left;">
              <font style="letter-spacing:0.2pt;">Baltimore, MD </font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:20.07pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:15.75pt; text-align:right; white-space:nowrap;">1.11<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:20.07pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:9.595pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">82.0<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:9.595pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
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        <div style="margin-top:13.19pt; text-align:center; width:456pt; line-height:12pt;font-weight:bold;">
          <font style=" text-decoration:underline #000000 solid;letter-spacing:-0.2pt;">We believe in Carver&#8217;s mission, and we must act to advance it</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12.5pt;">
          <font style="letter-spacing:0.2pt;">Carver was founded over 75&#160;years ago to serve African American customers, many of Caribbean descent, who lacked access to banking products and services. Today, Carver serves underserved communities in Harlem, Brooklyn and Queens, and its role is more vital than ever. </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12.5pt;">
          <font style="letter-spacing:0.2pt;">We know and love these communities. Mr.&#160;Anderson was born and raised in Harlem and serves on the Boards of three nonprofit organizations there. Mr.&#160;Bailey invested in Carver because of its opportunity to do good business by serving the underserved. As a financial executive of Jamaican descent who grew up in the Bronx, I come from a community much like Carver&#8217;s. </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12.5pt;">
          <font style="font-weight:bold;letter-spacing:-0.2pt;">The fundamental truth is that no company can fulfill its mission if it is losing money.</font><font style="letter-spacing:0.2pt;">&nbsp;&nbsp;&nbsp;And no publicly traded company can continue to foist such a massive decline in value on its shareholders, no matter how community minded. </font>
        </div>
        <div style="margin-top:8pt; width:456pt; line-height:12pt;font-style:italic;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">We must turn Carver around, and we are deeply committed to doing so.</font><font style="font-style:normal;font-weight:normal;letter-spacing:0.2pt;"> </font>
        </div>
        <div style="margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">Sincerely, </font>
        </div>
        <div style="position:relative;margin-top:11.19pt; width:456pt;">
          <img src="sg_greglewis-bw.jpg" alt="[MISSING IMAGE: sg_greglewis-bw.jpg]" height="36" width="120" >
        </div>
        <div style="margin-top:14.69pt; width:456pt; line-height:12.5pt;">
          <font style="letter-spacing:0.2pt;">Greg Lewis </font> <br ><font style="letter-spacing:0.2pt;">Dream Chasers Capital Group </font></div>
        <table style="width:456pt;margin-top:10pt;border-collapse: collapse;border:0.75pt solid #000000; font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
          <tr style="line-height:12pt;min-height:116pt;white-space:nowrap;text-align:center;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="width:0.25pt;padding:0pt;font-size:0pt;line-height:0pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
            <td style="border-bottom:0.75pt solid #000000; ;padding:4.167pt 0pt 4pt 0pt; width:444pt;">
              <div style="text-align:center;">
                <font style="font-weight:bold;letter-spacing:-0.2pt;">VOTE</font><font style="letter-spacing:0.2pt;"> today using the enclosed </font><font style="font-weight:bold;letter-spacing:-0.2pt;">BLUE</font><font style="letter-spacing:0.2pt;"> proxy card </font>
                <br >
                <font style="letter-spacing:0.2pt;">Vote </font><font style="font-weight:bold;letter-spacing:-0.2pt;">FOR</font><font style="letter-spacing:0.2pt;"> the Dream Chasers Nominees, Mr.&#160;Jeffrey &#8220;Jeff&#8221; Anderson and </font>
                <br >
                <font style="letter-spacing:0.2pt;">Mr.&#160;Jeffrey John Bailey </font>
                <br >
                <font style="font-weight:bold;letter-spacing:-0.2pt;">WITHOLD</font><font style="letter-spacing:0.2pt;"> your vote for the Opposed Company Nominees </font>
                <br >
                <font style="letter-spacing:0.2pt;">Vote </font><font style="font-weight:bold;letter-spacing:-0.2pt;">AGAINST</font><font style="letter-spacing:0.2pt;"> Proposal 4, the nonbinding advisory vote on executive </font>
                <br >
                <font style="letter-spacing:0.2pt;">compensation </font>
                <br >
                <font style="letter-spacing:0.2pt;">We make no recommendation on Proposals 2 or 3 </font>
                <br >
                <font style="letter-spacing:0.2pt;">If you received a white proxy card from the Company, you may use it to vote the </font>
                <br >
                <font style="letter-spacing:0.2pt;">above positions</font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
            <td style="width:0.25pt;padding:0pt;font-size:0pt;line-height:0pt;">&#8203;</td>
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      <div style="margin-top:2.00000000000002pt;margin-bottom:35.86pt;margin-left:69.66pt;width:456pt;">
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          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
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      <hr >
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    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">&#8203;</div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:17pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
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      <div style="margin-top:6pt;height:660pt;margin-left:69.66pt;width:456pt;">
        <table style="width:456pt;margin-top:0pt;border-collapse: collapse;border:0.75pt solid #000000; font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
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            <td style="width:0.25pt;padding:0pt;font-size:0pt;line-height:0pt;">&#8203;</td>
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                <font style="letter-spacing:0.2pt;">To </font><font style="font-weight:bold;letter-spacing:-0.2pt;">VOTE</font><font style="letter-spacing:0.2pt;">, follow the instructions in the attached Proxy Statement or on the </font><font style="font-weight:bold;letter-spacing:-0.2pt;">BLUE</font><font style="letter-spacing:0.2pt;"> </font>
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                <font style="letter-spacing:0.2pt;">proxy card </font>
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              <div style="margin-top:2pt; text-align:justify; line-height:12pt;">
                <font style="letter-spacing:0.2pt;">Dream Chasers has retained Okapi Partners LLC to assist in communicating with shareholders in connection with the proxy solicitation and to assist in efforts to obtain proxies. </font>
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                <font style="letter-spacing:0.2pt;">If you have any questions concerning the Proxy Statement, would like to request additional copies of the Proxy Statement or need help voting your shares, please contact: </font>
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              <div style="margin-top:6.85pt; text-align:center; line-height:12pt;">
                <font style="letter-spacing:0.2pt;">Okapi Partners LLC </font>
                <br >
                <font style="letter-spacing:0.2pt;">1212 Avenue of the Americas, 17th Floor </font>
                <br >
                <font style="letter-spacing:0.2pt;">New York, New York 10036 </font>
                <br >
                <font style="letter-spacing:0.2pt;">Shareholders Call Toll-Free: +1 (877) 629-6356 </font>
                <br >
                <font style="letter-spacing:0.2pt;">Banks and Brokers Call Collect: +1 (212) 297-0720 </font>
                <br >
                <font style="letter-spacing:0.2pt;">Email: info@okapipartners.com</font>
              </div>
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            <td style="padding:0pt;border-bottom:0.75pt solid #000000; ; width:6pt;">&#8203;</td>
            <td style="width:0.25pt;padding:0pt;font-size:0pt;line-height:0pt;">&#8203;</td>
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          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
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      <hr >
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    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
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        <div style="margin-top:17pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;height:660pt;margin-left:69.66pt;width:456pt;">
        <div style="text-align:center; width:456pt; line-height:12pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">CAUTIONARY STATEMENT REGARDING FORWARD-LOOKING STATEMENTS</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">The information herein contains &#8220;forward-looking statements.&#8221; Specific forward-looking statements can be identified by the fact that they do not relate strictly to historical or current facts and include, without limitation, words such as &#8220;may,&#8221; &#8220;will,&#8221; &#8220;expects,&#8221; &#8220;believes,&#8221; &#8220;anticipates,&#8221; &#8220;plans,&#8221; &#8220;estimates,&#8221; &#8220;projects,&#8221; &#8220;potential,&#8221; &#8220;targets,&#8221; &#8220;forecasts,&#8221; &#8220;seeks,&#8221; &#8220;could,&#8221; &#8220;should&#8221; or the negative of such terms or other variations on such terms or comparable terminology. Similarly, statements that describe our objectives, plans or goals are forward-looking. Forward-looking statements are subject to various risks and uncertainties and assumptions. There can be no assurance that any idea or assumption herein is, or will be proven, correct. If one or more of the risks or uncertainties materialize, or if any of the underlying assumptions of Dream Chasers Capital Group LLC (&#8220;Dream Chasers&#8221;) or any of the other participants in the proxy solicitation prove to be incorrect, the actual results may vary materially from outcomes indicated by these statements. Accordingly, forward-looking statements should not be regarded as a representation by Dream Chasers that the future plans, estimates or expectations contemplated will ever be achieved. </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">Certain statements and information included herein may have been sourced from third parties. Dream Chasers does not make any representations regarding the accuracy, completeness or timeliness of such third party statements or information. Except as may be expressly set forth herein, permission to cite such statements or information has neither been sought nor obtained from such third parties. Any such statements or information should not be viewed as an indication of support from such third parties for the views expressed herein. </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">Dream Chasers disclaims any obligation to update the information herein or to disclose the results of any revisions that may be made to any projected results or forward-looking statements herein to reflect events or circumstances after the date of such information, projected results or statements or to reflect the occurrence of anticipated or unanticipated events. </font>
        </div>
        <div style="margin-top:12pt; text-align:center; width:456pt; line-height:12pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">CERTAIN INFORMATION CONCERNING THE PARTICIPANTS</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">Dream Chasers, Gregory Lewis, Shawn Herrera, Kevin Winters, Jeffrey Bailey (collectively, the</font>
          <br >
          <font style="letter-spacing:0.2pt;">Dream Chasers Beneficial Owners&#8221;) and Jeffrey Anderson (&#8220;collectively with the Dream Chasers Beneficial Owners, the Participants&#8221;) are participants in the solicitation of proxies from the shareholders of the Company for the 2024 Annual Meeting of Shareholders (the &#8220;2024 Annual Meeting&#8221;). On November&#160;4, 2024, the Participants filed with the U.S. Securities and Exchange Commission (the &#8220;SEC&#8221;) their definitive proxy statement and accompanying BLUE universal proxy card or voting instruction form in connection with their solicitation of proxies from the shareholders of the Company for the Annual Meeting. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">As of the date hereof, the Dream Chasers Beneficial Owners beneficially own an aggregate of 497,774 shares of common stock of the Company, representing approximately 9.7% of the Company&#8217;s outstanding shares (based on a total of 5,140,872 shares issued and outstanding as of October&#160;15, 2024 as reported in the Company&#8217;s definitive proxy statement filed with the SEC on October&#160;31, 2024). </font>
        </div>
        <div style="margin-top:12pt; text-align:center; width:456pt; line-height:12pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">IMPORTANT INFORMATION AND WHERE TO FIND IT</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">DREAM CHASERS STRONGLY ADVISES ALL STOCKHOLDERS OF THE COMPANY TO READ ITS DEFINITIVE PROXY STATEMENT, ANY AMENDMENTS OR SUPPLEMENTS TO SUCH PROXY STATEMENT AND OTHER PROXY MATERIALS FILED BY DREAM CHASERS WITH THE SEC AS THEY BECOME AVAILABLE BECAUSE THEY WILL CONTAIN IMPORTANT INFORMATION. SUCH PROXY MATERIALS WILL BE AVAILABLE AT NO CHARGE ON THE SEC&#8217;S WEBSITE AT WWW.SEC.GOV. THE DEFINITIVE PROXY STATEMENT AND OTHER RELEVANT DOCUMENTS ARE ALSO AVAILABLE ON THE SEC WEBSITE, FREE OF CHARGE, OR BY DIRECTING A REQUEST TO THE PARTICIPANTS&#8217; PROXY SOLICITOR, OKAPI PARTNERS LLC, 1212 AVENUE OF THE AMERICAS, 17TH FLOOR, NEW YORK, NEW YORK 10036-1600. STOCKHOLDERS CAN CALL TOLL-FREE: (877) 629-6356. </font>
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          <br >
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      </div>
      <hr >
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    <div style=" width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">&#8203;</div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:17pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
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      <div style="margin-top:6pt;height:660pt;margin-left:69.66pt;width:456pt;">
        <div style="width:456pt; line-height:12pt;font-weight:bold;">
          <font style=" text-decoration:underline #000000 solid;letter-spacing:-0.2pt;">Contacts</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
        </div>
        <div style="margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">For Media: </font>
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        <div style="margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">Breitenbush Partners </font> <br ><font style="letter-spacing:0.2pt;">Andrew Wilson, 773-425-4991 </font> <br ><font style="letter-spacing:0.2pt;">awilson@breitenbushpartners.com </font></div>
        <div style="margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">For Investors: </font>
        </div>
        <div style="margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">Okapi Partners </font> <br ><font style="letter-spacing:0.2pt;">Bruce Goldfarb/Tony Vecchio </font> <br ><font style="letter-spacing:0.2pt;">(877) 629-6356 </font> <br ><font style="letter-spacing:0.2pt;">(212) 297-0720 </font> <br ><font style="letter-spacing:0.2pt;">info@okapipartners.com </font></div>
        <div style="margin-top:12pt; width:456pt; line-height:12pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">About Dream Chasers Capital Group</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">Dream Chasers Capital Group LLC is a New York City based minority owned investment firm. More information can be found at www.dreamchaserscapitalgroup.com.</font>
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end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
