<SEC-DOCUMENT>0001104659-24-126328.txt : 20241206
<SEC-HEADER>0001104659-24-126328.hdr.sgml : 20241206
<ACCEPTANCE-DATETIME>20241206163808
ACCESSION NUMBER:		0001104659-24-126328
CONFORMED SUBMISSION TYPE:	DFAN14A
PUBLIC DOCUMENT COUNT:		4
FILED AS OF DATE:		20241206
DATE AS OF CHANGE:		20241206

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:		241532842

	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>tm2430414d1_dfan14a.htm
<DESCRIPTION>DFAN14A
<TEXT>
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right">&nbsp;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><b>UNITED STATES<br>
SECURITIES AND EXCHANGE COMMISSION<br>
Washington, D.C. 20549</b></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><b>&nbsp;</b></p>

<p style="font: 14pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><b>SCHEDULE 14A</b></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><b>Proxy Statement Pursuant to Section&nbsp;14(a)
of the<br>
Securities Exchange Act of 1934</b></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><b>&nbsp;</b></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Filed by the Registrant&nbsp;<font style="font-family: Wingdings">&#168;</font></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Filed by a Party other than the Registrant&nbsp;<font style="font-family: Wingdings">&#120;</font></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Check the appropriate box:</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</p>

<table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; width: 100%"><tr style="vertical-align: top; text-align: justify">
<td style="width: 0in"></td><td style="width: 0.25in; text-align: left"><font style="font-family: Wingdings">&#168;</font></td><td style="text-align: justify">Preliminary Proxy Statement</td>
</tr></table>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</p>

<table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; width: 100%"><tr style="vertical-align: top; text-align: justify">
<td style="width: 0in"></td><td style="width: 0.25in; text-align: left"><font style="font-family: Wingdings">&#168;</font></td><td style="text-align: justify"><b>Confidential, for Use of the Commission Only (as permitted
by Rule&nbsp;14a-6(e)(2))</b></td>
</tr></table>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</p>

<table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; width: 100%"><tr style="vertical-align: top; text-align: justify">
<td style="width: 0in"></td><td style="width: 0.25in; text-align: left"><font style="font-family: Wingdings">&#168;</font></td><td style="text-align: justify">Definitive Proxy Statement</td>
</tr></table>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</p>

<table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; width: 100%"><tr style="vertical-align: top; text-align: justify">
<td style="width: 0in"></td><td style="width: 0.25in; text-align: left"><font style="font-family: Wingdings">&#120;</font></td><td style="text-align: justify">Definitive Additional Materials</td>
</tr></table>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</p>

<table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; width: 100%"><tr style="vertical-align: top; text-align: justify">
<td style="width: 0in"></td><td style="width: 0.25in; text-align: left"><font style="font-family: Wingdings">&#168;</font></td><td style="text-align: justify">Soliciting Material Pursuant to &sect;240.14a-12</td>
</tr></table>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</p>

<p style="font: 14pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><b>Carver Bancorp, Inc.</b></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">(Name of Registrant as Specified in Its Charter)</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><b>Dream Chasers Capital Group LLC<br>
Gregory Lewis<br>
Shawn Herrera<br>
Kevin Winters<br>
Jeffrey Bailey<br>
Jeffrey Anderson</b></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">(Name of Person(s) Filing Proxy Statement if other
than the Registrant)</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Payment of Filing Fee (Check all boxes that apply):</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</p>

<table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; width: 100%"><tr style="vertical-align: top; text-align: justify">
<td style="width: 0in"></td><td style="width: 0.25in; text-align: left"><font style="font-family: Wingdings">&#120;</font></td><td style="text-align: justify">No fee required.</td>
</tr></table>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</p>

<table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; width: 100%"><tr style="vertical-align: top; text-align: justify">
<td style="width: 0in"></td><td style="width: 0.25in; text-align: left"><font style="font-family: Wingdings">&#168;</font></td><td style="text-align: justify">Fee paid previously with preliminary materials.</td>
</tr></table>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</p>

<table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; width: 100%"><tr style="vertical-align: top; text-align: justify">
<td style="width: 0in"></td><td style="width: 0.25in; text-align: left"><font style="font-family: Wingdings">&#168;</font></td><td style="text-align: justify">Fee computed on table in exhibit required by Item&nbsp;25(b)
per Exchange Act Rules 14a6(i)(1) and 0-11.</td>
</tr></table>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center">&nbsp;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><img src="image_005.jpg" alt="">&nbsp;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right">&nbsp;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right">&nbsp;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right">December 6, 2024</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right">&nbsp;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Dear Fellow Carver Shareholders:</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The deadline to vote for candidates to join the Board of Directors
(the &ldquo;Board&rdquo;) of Carver Bancorp, Inc. (&ldquo;Carver&rdquo; or the &ldquo;Company&rdquo;) is coming up. You must vote by 11:59
PM on December 11, 2024.</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><b><i>Time is of the essence, and we urge you to vote for change TODAY,
using the BLUE proxy card to vote YES for Jeffrey &ldquo;Jeff&rdquo; Anderon and Jeffrey Bailey, and vote WITHHOLD on Carver&rsquo;s under-performing
Directors. </i></b></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Shareholders should vote for our nominees to protect the value of their
investment. As we have said previously, the facts are simple:</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</p>

<table cellpadding="0" cellspacing="0" width="100%" style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top">
<td style="width: 0.25in"></td><td style="width: 0.25in"><font style="font-family: Symbol">&middot;</font></td><td><font style="font-family: Times New Roman, Times, Serif"><b>Carver&rsquo;s Board has presided over significant losses and shareholder
value destruction for too long. </b>The Board continues to pay itself and management handsomely while you, the shareholder, suffers. </font></td></tr></table>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in">&nbsp;</p>

<table cellpadding="0" cellspacing="0" width="100%" style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top">
<td style="width: 0.25in"></td><td style="width: 0.25in"><font style="font-family: Symbol">&middot;</font></td><td><font style="font-family: Times New Roman, Times, Serif"><b>Shareholders need a Board focused on restoring the value of their investments</b>
and driving growth and profitability to maintain Carver&rsquo;s important community role.</font></td></tr></table>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in">&nbsp;</p>

<table cellpadding="0" cellspacing="0" width="100%" style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top">
<td style="width: 0.25in"></td><td style="width: 0.25in"><font style="font-family: Symbol">&middot;</font></td><td><font style="font-family: Times New Roman, Times, Serif"><b>Our nominees are extremely capable and aligned with shareholder interests</b>:
Mr. Anderson is an accomplished banking and financial services executive, and Mr. Bailey is a successful businessman and Carver&rsquo;s
largest individual shareholder. They will bring deep experience and the voice of the shareholder to the Board.</font></td></tr></table>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in"><b>&nbsp;</b></p>

<table cellpadding="0" cellspacing="0" width="100%" style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top">
<td style="width: 0.25in"></td><td style="width: 0.25in"><font style="font-family: Symbol">&middot;</font></td><td><font style="font-family: Times New Roman, Times, Serif"><b>We love and care about Carver and its community:</b> Mr. Anderson grew
up in Harlem and serves on three Boards of Directors of nonprofit organizations there. Mr. Bailey invested in Carver because of its opportunity
to do good business by serving its community. Dream Chasers Capital Group (&ldquo;Dream Chasers&rdquo;) is a minority-owned investment
firm with roots in the communities that Carver serves. </font></td></tr></table>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in">&nbsp;</p>

<table cellpadding="0" cellspacing="0" width="100%" style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top">
<td style="width: 0.25in"></td><td style="width: 0.25in"><font style="font-family: Symbol">&middot;</font></td><td><font style="font-family: Times New Roman, Times, Serif"><b>We want to see Carver do well,</b> so that it can build on its historic
role serving customers, business and institutions in New York that have been left behind. The fundamental truth is that a Company that
loses money year after year will be unable to serve customers and its community. </font></td></tr></table>

<p style="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><b><i>Please VOTE TODAY for Mr. Anderson and Mr. Bailey, using the
BLUE proxy card.</i></b> It is time to put Carver on a path to profitability and growth, and to drive shareholder value. Thank you for
your vote. With your support, Carver&rsquo;s best days are ahead.</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Sincerely,</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><font style="font-family: Times New Roman, Times, Serif"><img src="image_002.jpg" alt="" style="height: 38px; width: 142px"></font></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Greg Lewis</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Dream Chasers Capital Group</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><b>CAUTIONARY STATEMENT REGARDING FORWARD-LOOKING STATEMENTS</b></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The information herein contains &ldquo;forward-looking statements.&rdquo;
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 &ldquo;may,&rdquo; &ldquo;will,&rdquo; &ldquo;expects,&rdquo; &ldquo;believes,&rdquo; &ldquo;anticipates,&rdquo;
 &ldquo;plans,&rdquo; &ldquo;estimates,&rdquo; &ldquo;projects,&rdquo; &ldquo;potential,&rdquo; &ldquo;targets,&rdquo; &ldquo;forecasts,&rdquo;
 &ldquo;seeks,&rdquo; &ldquo;could,&rdquo; &ldquo;should&rdquo; 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 (&ldquo;Dream Chasers&rdquo;) 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.</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">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.</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">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.</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><b>IMPORTANT INFORMATION AND WHERE TO FIND IT</b></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">DREAM CHASERS&nbsp;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&rsquo;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&rsquo; 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.</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</p>

<table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font: 10pt Times New Roman, Times, Serif; width: 100%">
<tr style="vertical-align: top; text-align: left">
  <td style="border: Black 1pt solid; width: 100%"><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><b>&nbsp;</b></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><b>VOTE </b>today using the enclosed <b>BLUE </b>proxy
card</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">Vote <b>FOR</b> the Dream Chasers Nominees, Mr.
Jeffrey &ldquo;Jeff&rdquo; Anderson and Mr. Jeffrey John Bailey</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><b>WITHOLD</b> your vote for the Opposed Company
Nominees</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">Vote <b>AGAINST</b> Proposal 4, the nonbinding
advisory vote on executive compensation</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">We make no recommendation on Proposals 2 or 3</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</p>

<p style="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt">If you received a white proxy card from the Company, you may use it
to vote the above positions</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</p>
</td></tr>
</table>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</p>

<table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font: 10pt Times New Roman, Times, Serif; width: 100%">
<tr style="vertical-align: top; text-align: left">
  <td style="border: Black 1pt solid; width: 100%"><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</p>
                                                   <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">To <b>VOTE</b>, follow the instructions in the
enclosed proxy materials or on the <b>BLUE</b> proxy card</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0.6pt 0pt 0; text-align: center">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.</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0.6pt 0pt 0; text-align: center">&nbsp;</p>

<p style="text-align: center; margin-top: 0pt; font: 10pt Times New Roman, Times, Serif; margin-bottom: 0pt">If you have any questions concerning the proxy materials, or need help
voting your shares, please contact:</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0.6pt 0pt 0; text-align: center">&nbsp;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0.6pt 0pt 0; text-align: center"><font style="font-family: Times New Roman, Times, Serif"><img src="image_006.jpg" alt="A black and white logo&#10;&#10;Description automatically generated" style="height: 81px; width: 183px"></font></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0.6pt 0pt 0; text-align: center">&nbsp;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">Okapi Partners LLC</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">1212 Avenue of the Americas, 17th Floor</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">New York, New York 10036</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">Shareholders Call Toll-Free: +1 (877) 629-6356</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">Banks and Brokers Call Collect: +1 (212) 297-0720</p>

<p style="text-align: center; margin-top: 0pt; font: 10pt Times New Roman, Times, Serif; margin-bottom: 0pt">Email: info@okapipartners.com</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</p>
</td></tr>
</table>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</p>

<p style="text-align: center; margin-top: 0; margin-bottom: 0">&nbsp;</p>

<p style="text-align: center; margin-top: 0; margin-bottom: 0"></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The following is correspondence sent to certain shareholders by Dream
Chasers today:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><I>Q: We recognize the company has room to improve from a governance
profile standpoint (classified board, supermajority vote requirements), so we are curious to know that if Dream Chasers had their choice
of the full board, which two directors would they have wanted to target? Would it still be Mr. Knuckles and Ms. Joseph?</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">A: This is naturally a difficult question since we are forced to play
with the hand we are dealt. However, the stark reality is that the entire board has overseen and/or contributed to the value destruction
and lack of progress at CARV. All are accountable, and yet none have been held to account. If we were able to pick any nominee, we likely
would have focused more on the directors that have had longer tenure and have been present for more of the value destruction and poor
performance. With that said, the returns for all these non-employee directors are negative over their tenures and their ownership remains
weak. So while there may be some directors that could be seen as a &ldquo;more deserving&rdquo; for replacement, we believe both Mr. Knuckles
and Ms. Joseph still have shown through their tenures at CARV that they are not better positioned to create long-term value for all stakeholders
than our current highly qualified nominees. We also believe that their respective resumes do not bring the necessary experience to the
board that is needed to turn the bank around, whereas we believe Mr. Anderson&rsquo;s deep banking expertise coupled with Mr. Bailey&rsquo;s
hugely successful tenure as the CEO of a business that has grown exponentially under his leadership add significant value and insight
to the board.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><I>Q2: If one or both candidates make it onto the board, can <B>the
candidates</B> share more about how they&rsquo;d work constructively with the current board and new CEO? </I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Greg: If one or both candidates were to join the board they would be
coming in as a minority, only 1/8 or 2/8 of the board. They recognize they would not have the ability to unilaterally dictate strategy
changes. However, these two individuals have shown through their respective careers an ability to exercise sound business judgement and
work collaboratively. They would be independent of management and independent from Dream Chasers. They would be fiduciaries and act as
such as they evaluate the best course for shareholders.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Jeff Anderson: As noted by Greg, I would be a completely independent
director with a fresh set of eyes and a unique perspective. From the outset, I would review all the information available to better allow
myself to assess the strategy of CARV. I would also spend a substantial amount of time with the CEO and Board to get up to speed and to
gain their perspectives on the approach they have taken and the opportunities that lie ahead, including their views on expanding the services
Carver offers to its clients such as wealth management and other investment products through the establishment of a broker dealer. To
reiterate, I am independent from Dream Chasers and will remain so, committed to maximizing shareholder value and furthering Carver&rsquo;s
mission. My entire career has exemplified a collaborative approach to business, and I would hope the other board members reciprocate and
be receptive to any ideas I may have as I bring my 30+ years of experience in banking and financial services to the table to help CARV
be successful. Ultimately, this is a bank in a community that is important to me and has a mission that I am completely aligned with.
I would not have taken this opportunity if I did not feel I could help CARV succeed.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Jeffrey Bailey: As Carver&rsquo;s largest individual shareholder, I
too would be joining as a completely independent director. As Jeff mentioned, the first steps would really be digging into the books to
get a better grasp on the decisions that have been made, the foundation for those decisions, and what needs to be addressed on a go forward
basis in both the short and long term. While CARV has highlighted my lack of banking experience, boards should have a diverse set of skills
and experiences, I believe my experience operating Dunham and increasing revenue and operating in regulated industries puts me in a good
position to support the bank in an oversight role. With that said, with where this business is right now, it will require more time early
on with both the CEO and the Board as it formulates and executes on its strategy. I am committed to putting in that time. It is also long
overdue for a shareholder mentality to be brought to the boardroom, and I would do that as Carver&rsquo;s largest individual shareholder.
Similar to Jeff, I feel I can work with this current board to generate a better outcome for all shareholders and the community in which
the bank serves.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><I>Q3: We saw that the Dream Chasers plan includes establishing a broker
dealer and other licenses to offer wealth building services. Can Dream Chasers share more how experience of the nominees can help deliver
on the strategy, and since boosting performance is of an urgent concern, how long do they anticipate this taking the company to get off
the ground?</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Firstly, we would note, again, that these directors are completely
independent from Dream Chasers. When they get into the boardroom, they would evaluate the merits of that plan as fiduciaries. If they
felt it was still appropriate to pursue that strategy, they would then be in a position to convince their fellow board members of its
merits. With that said, we do believe it is a sound strategy, and, if we are successful and our nominees are appointed and able to implement
that strategy, it would be reasonable to estimate that it could get off the ground within one year. In terms of implementing this strategy,
we would highlight Jeff Anderson&rsquo;s experience at JPM. Jeff has had experience with this type of strategy, and having these offerings
available to the customers at Carver is sound strategy. Having these types of services as a broader offering are vital to allow Carver
to be more competitive in both growing and keeping its customer base. That is good for the Bank in the short- and long-term.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><b>CAUTIONARY STATEMENT REGARDING FORWARD-LOOKING STATEMENTS</b></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The information herein contains &ldquo;forward-looking statements.&rdquo;
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 &ldquo;may,&rdquo; &ldquo;will,&rdquo; &ldquo;expects,&rdquo; &ldquo;believes,&rdquo; &ldquo;anticipates,&rdquo;
 &ldquo;plans,&rdquo; &ldquo;estimates,&rdquo; &ldquo;projects,&rdquo; &ldquo;potential,&rdquo; &ldquo;targets,&rdquo; &ldquo;forecasts,&rdquo;
 &ldquo;seeks,&rdquo; &ldquo;could,&rdquo; &ldquo;should&rdquo; 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 (&ldquo;Dream Chasers&rdquo;) 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.</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">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.</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">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.</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><b>CERTAIN INFORMATION CONCERNING THE PARTICIPANTS</b></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Dream Chasers, <font style="color: #231F20">Gregory Lewis, Shawn Herrera,
Kevin Winters, Jeffrey Bailey and Jeffrey Anderson (&ldquo;collectively, the </font>Participants&rdquo;) are participants in the solicitation
of proxies from the shareholders of the Company for the 2024 Annual Meeting of Shareholders (the &ldquo;2024 Annual Meeting&rdquo;). On
November 4, 2024, the Participants filed with the U.S. Securities and Exchange Commission (the &ldquo;SEC&rdquo;) 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.</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><b>IMPORTANT INFORMATION AND WHERE TO FIND IT</b></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">DREAM CHASERS&nbsp;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&rsquo;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&rsquo; PROXY SOLICITOR, <font style="color: #231F20">OKAPI
PARTNERS LLC, 1212 AVENUE OF THE AMERICAS, 17TH FLOOR, NEW YORK, NEW YORK 10036-1600</font>. STOCKHOLDERS CAN CALL TOLL-FREE: <font style="color: #231F20">(877)
629-6356</font>.</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><b><u>Contacts</u></b></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">For Media:</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><b>&nbsp;</b></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Breitenbush Partners</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Andrew Wilson, (773) 425-4991</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><font style="color: Blue">awilson@breitenbushpartners.com</font></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">For Investors:</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><br>
Okapi Partners</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Bruce Goldfarb/Tony Vecchio</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">(877) 629-6356</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">(212) 297-0720</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><font style="color: Blue">info@okapipartners.com</font></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</p>


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