<SEC-DOCUMENT>0000943374-25-000371.txt : 20250807
<SEC-HEADER>0000943374-25-000371.hdr.sgml : 20250807
<ACCEPTANCE-DATETIME>20250807100229
ACCESSION NUMBER:		0000943374-25-000371
CONFORMED SUBMISSION TYPE:	S-8
PUBLIC DOCUMENT COUNT:		18
FILED AS OF DATE:		20250807
DATE AS OF CHANGE:		20250807
EFFECTIVENESS DATE:		20250807

FILER:

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

	FILING VALUES:
		FORM TYPE:		S-8
		SEC ACT:		1933 Act
		SEC FILE NUMBER:	333-289342
		FILM NUMBER:		251192188

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

	MAIL ADDRESS:	
		STREET 1:		75 W 125TH ST
		CITY:			NEW YORK
		STATE:			NY
		ZIP:			10027-4512
</SEC-HEADER>
<DOCUMENT>
<TYPE>S-8
<SEQUENCE>1
<FILENAME>s8_080525.htm
<DESCRIPTION>CARVER BANCORP, INC. FORM S-8 REGISTRATION STATEMENT AUGUST 5, 2025
<TEXT>
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    <div style="text-align: right; font-weight: bold;">Registration No. 333-_________</div>
    <div style="text-align: right; font-weight: bold;"> <br>
    </div>
    <div style="text-align: center; font-size: 8pt;"><font style="font-size: 10pt; font-weight: bold;">As filed with the Securities and Exchange Commission on August 7, 2025</font></div>
    <div style="text-align: center; font-size: 8pt;"><font style="font-size: 12pt; font-weight: bold;"> <br>
      </font></div>
    <div style="text-align: center; font-size: 8pt;"><font style="font-size: 12pt; font-weight: bold;">UNITED STATES</font></div>
    <div style="text-align: center; font-size: 8pt;"><font style="font-size: 12pt; font-weight: bold;"> SECURITIES AND EXCHANGE COMMISSION</font></div>
    <div style="text-align: center; font-size: 8pt;"><font style="font-size: 12pt; font-weight: bold;">Washington, D.C.&#160; 20549</font><font style="font-size: 12pt;"></font></div>
    <div style="text-align: center; font-size: 8pt;"><font style="font-size: 12pt;">___________________</font><font style="font-size: 12pt; font-weight: bold;"></font></div>
    <div style="text-align: center; font-size: 8pt;"><font style="font-size: 12pt; font-weight: bold;"> <br>
      </font></div>
    <div style="text-align: center; font-size: 8pt;"><font style="font-size: 12pt; font-weight: bold;">FORM S-8</font></div>
    <div style="text-align: center; font-size: 8pt;"><font style="font-size: 12pt; font-weight: bold;"> <br>
      </font></div>
    <div style="text-align: center; font-size: 8pt;"><font style="font-size: 12pt; font-weight: bold;">REGISTRATION STATEMENT</font></div>
    <div style="text-align: center; font-size: 8pt;"><font style="font-size: 12pt; font-weight: bold;">UNDER</font></div>
    <div style="text-align: center; font-size: 8pt;"><font style="font-size: 12pt; font-weight: bold;">THE SECURITIES ACT OF 1933</font></div>
    <div style="text-align: center; font-size: 8pt;"><font style="font-size: 12pt; font-weight: bold;"> <br>
      </font></div>
    <div style="text-align: center; font-size: 8pt;"><font style="font-size: 12pt; font-weight: bold;">Carver Bancorp, Inc.</font></div>
    <div style="text-align: center; font-size: 8pt;"><font style="font-size: 12pt; font-weight: bold;"></font>(Exact Name of Registrant as Specified in its Charter)</div>
    <div><br>
    </div>
    <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" id="zd83bf75eb0574c60958959060f7b052d">

        <tr>
          <td style="width: 47.35%; vertical-align: top;">
            <div style="text-align: center; font-size: 12pt; font-weight: bold;">Delaware</div>
          </td>
          <td style="width: 5.34%; vertical-align: top;">&#160;</td>
          <td style="width: 47.32%; vertical-align: top;">
            <div style="text-align: center; font-size: 12pt; font-weight: bold;">13-3904174</div>
          </td>
        </tr>
        <tr>
          <td style="width: 47.35%; vertical-align: top;">
            <div style="text-align: center; font-size: 8pt;">(State or Other Jurisdiction of</div>
            <div style="text-align: center; font-size: 8pt;">Incorporation or Organization)</div>
          </td>
          <td style="width: 5.34%; vertical-align: top;">&#160;</td>
          <td style="width: 47.32%; vertical-align: top;">
            <div style="text-align: center; font-size: 8pt;">(I.R.S. Employer Identification No.)</div>
          </td>
        </tr>

    </table>
    <div><br>
    </div>
    <div style="text-align: center; font-size: 12pt; font-weight: bold;">75 West 125th Street</div>
    <div style="text-align: center; font-size: 12pt; font-weight: bold;">New York, New York 10027</div>
    <div style="text-align: center; font-size: 12pt;"><font style="font-size: 8pt;">(Address of Principal Executive Offices)</font><font style="font-weight: bold;"></font></div>
    <div style="text-align: center; font-size: 12pt;"><font style="font-weight: bold;"> <br>
      </font></div>
    <div style="text-align: center; font-size: 12pt;"><font style="font-weight: bold;">Carver Bancorp, Inc. 2024 Equity Incentive Plan</font></div>
    <div style="text-align: center;"><font style="font-size: 8pt;">(Full Title of the Plan)</font></div>
    <div style="text-align: center;"><font style="font-size: 8pt;"></font></div>
    <div style="text-align: center;"> <br>
    </div>
    <div style="text-align: center;">Copies to:</div>
    <div><br>
    </div>
    <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" id="z8efa207e2db74b25949114034c1d22d4">

        <tr>
          <td style="width: 47.35%; vertical-align: top;">
            <div style="text-align: center;">Mr. Donald Felix</div>
          </td>
          <td style="width: 5.34%; vertical-align: top;">&#160;</td>
          <td style="width: 47.32%; vertical-align: top;">
            <div style="text-align: center;">Lawrence M.F. Spaccasi, Esquire</div>
          </td>
        </tr>
        <tr>
          <td style="width: 47.35%; vertical-align: top;">
            <div style="text-align: center;">President and</div>
          </td>
          <td style="width: 5.34%; vertical-align: top;">&#160;</td>
          <td style="width: 47.32%; vertical-align: top;">
            <div style="text-align: center;">Marc P. Levy, Esquire</div>
          </td>
        </tr>
        <tr>
          <td style="width: 47.35%; vertical-align: top;">
            <div style="text-align: center;">Chief Executive Officer</div>
          </td>
          <td style="width: 5.34%; vertical-align: top;">&#160;</td>
          <td style="width: 47.32%; vertical-align: top;">
            <div style="text-align: center;">Luse Gorman, PC</div>
          </td>
        </tr>
        <tr>
          <td style="width: 47.35%; vertical-align: top;">
            <div style="text-align: center;">Carver Bancorp, Inc.</div>
          </td>
          <td style="width: 5.34%; vertical-align: top;">&#160;</td>
          <td style="width: 47.32%; vertical-align: top;">
            <div style="text-align: center;">5335 Wisconsin Ave., N.W., Suite 780</div>
          </td>
        </tr>
        <tr>
          <td style="width: 47.35%; vertical-align: top;">
            <div style="text-align: center;">75 West 125<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">th</sup> Street</div>
          </td>
          <td style="width: 5.34%; vertical-align: top;">&#160;</td>
          <td style="width: 47.32%; vertical-align: top;">
            <div style="text-align: center;">Washington, DC 20015-2035</div>
          </td>
        </tr>
        <tr>
          <td style="width: 47.35%; vertical-align: top;">
            <div style="text-align: center;">New York, New York 10027</div>
          </td>
          <td style="width: 5.34%; vertical-align: top;">&#160;</td>
          <td style="width: 47.32%; vertical-align: top;">
            <div style="text-align: center;">(202) 274-2000</div>
          </td>
        </tr>
        <tr>
          <td style="width: 47.35%; vertical-align: top;">
            <div style="text-align: center;">(718) 230-2900</div>
          </td>
          <td style="width: 5.34%; vertical-align: top;">&#160;</td>
          <td style="width: 47.32%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 47.35%; vertical-align: top;">
            <div style="text-align: center;">(Name, Address and Telephone</div>
          </td>
          <td style="width: 5.34%; vertical-align: top;">&#160;</td>
          <td style="width: 47.32%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 47.35%; vertical-align: top;">
            <div style="text-align: center;">Number of Agent for Service)</div>
          </td>
          <td style="width: 5.34%; vertical-align: top;">&#160;</td>
          <td style="width: 47.32%; vertical-align: top;">&#160;</td>
        </tr>

    </table>
    <div><br>
    </div>
    <div style="text-align: justify;">Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting company or an emerging growth company. See the definitions of &#8220;large
      accelerated filer,&#8221; &#8220;accelerated filer,&#8221; &#8220;smaller reporting company,&#8221; and &#8220;emerging growth company&#8221; in Rule 12b-2 of the Securities Exchange Act of 1934, as amended (the &#8220;Exchange Act&#8221;):</div>
    <div><br>
    </div>
    <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" id="z614a7062e2154090b853ca920b43de60">

        <tr>
          <td style="width: 66.66%; vertical-align: top;">
            <div>Large accelerated filer &#9744;</div>
          </td>
          <td style="width: 33.34%; vertical-align: top;">
            <div>Accelerated filer &#9744;</div>
          </td>
        </tr>
        <tr>
          <td style="width: 66.66%; vertical-align: top;">
            <div>Non-accelerated filer&#160; &#8999;</div>
          </td>
          <td style="width: 33.34%; vertical-align: top;">
            <div>Smaller reporting company&#8999;</div>
          </td>
        </tr>
        <tr>
          <td style="width: 66.66%; vertical-align: top;">
            <div>Emerging growth company &#9744;</div>
          </td>
          <td style="width: 33.34%; vertical-align: top;">&#160;</td>
        </tr>

    </table>
    <div><br>
    </div>
    <div style="text-align: justify;">If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to
      Section 7(a)(2)(B) of the Securities Act. &#9744;</div>
    <div><br>
    </div>
    <div><br>
    </div>
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    <div style="text-align: justify; margin-bottom: 12pt; font-weight: bold;">PART I.</div>
    <div style="text-align: justify; margin-bottom: 12pt; font-weight: bold;">Items 1 and 2.&#160; Plan Information, and Registrant Information and Employee Plan Annual Information</div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;">The documents containing the information specified in Parts I and II of Form S-8 have been or will be sent or given to participants in the Carver Bancorp, Inc. 2024 Equity
      Incentive Plan&#160; (the &#8220;Equity Plan&#8221;) as specified by Rule 428(b)(1) promulgated by the Securities and Exchange Commission (the &#8220;Commission&#8221;) under the Securities Act of 1933, as amended (the &#8220;Securities Act&#8221;).</div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;">Such documents are not being filed with the Commission, but constitute (along with the documents incorporated by reference into this Registration Statement pursuant to Item 3 of
      Part II hereof) a prospectus that meets the requirements of Section 10(a) of the Securities Act.</div>
    <div style="text-align: justify; margin-bottom: 12pt; font-weight: bold;">PART II.</div>
    <div style="text-align: justify; margin-bottom: 12pt; font-weight: bold;">Item 3.&#160; Incorporation of Documents by Reference</div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;">The following documents previously or concurrently filed with the Commission are hereby incorporated by reference in this Registration Statement:</div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;">a)<font style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt" class="TRGRRTFtoHTMLTab">&#160;</font>The Company&#8217;s <a href="https://www.sec.gov/ix?doc=/Archives/edgar/data/0001016178/000101617825000010/carv-20250331.htm">Annual Report on Form 10-K</a> for the fiscal year ended March 31, 2025 (File No. 001-13007), filed with the Commission on June 24, 2025,
      pursuant to Section 13(a) of the Securities Exchange Act of 1934, as amended (the &#8220;Exchange Act&#8221;);</div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;">b)<font style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt" class="TRGRRTFtoHTMLTab">&#160;</font>The Company&#8217;s <a href="https://www.sec.gov/ix?doc=/Archives/edgar/data/0001016178/000110465925071731/tm2521935d1_10ka.htm">Annual Report on Form 10-K/A</a> for the fiscal year ended March 31, 2025 (File No. 001-13007), filed with the Commission on July 29, 2025,
      pursuant to Section 13(a) of the Exchange Act;</div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;">c)<font style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt" class="TRGRRTFtoHTMLTab">&#160;</font>The Company&#8217;s <a href="https://www.sec.gov/ix?doc=/Archives/edgar/data/0001016178/000094337425000211/form8k.htm">Current Report on Form 8-K</a> filed with the Commission on May 16, 2025 (File No. 001-13007); and</div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;">d)<font style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt" class="TRGRRTFtoHTMLTab">&#160;</font>The description of the Company&#8217;s common stock contained in
      the <a href="https://www.sec.gov/Archives/edgar/data/1016178/0000882377-96-000095-index.html">Registration Statement on Form S-4</a> originally filed with the Commission on June 7, 1996, as amended on June 27, 1996 (File No. 333-05559), and as
      updated by <a href="https://www.sec.gov/Archives/edgar/data/1016178/000101617820000015/fy2020-ex42.htm">Exhibit&#160;4.2</a> to our Annual Report on Form&#160;10-K for the year ended March 31, 2020, filed with the Commission on August 6, 2020 (File No.
      001-13007).</div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;">All documents subsequently filed by the Company with the Commission pursuant to Sections 13(a), 13(c), 14, or 15(d) of the Exchange Act, after the date hereof, and prior to the
      filing of a post-effective amendment which indicates that all securities offered hereby have been sold or which deregisters all securities then remaining unsold, shall be deemed incorporated by reference into this Registration Statement and to be a
      part thereof from the date of the filing of such documents.&#160; Any statement contained in the documents incorporated, or deemed to be incorporated, by reference herein or therein shall be deemed to be modified or superseded for purposes of this
      Registration Statement and the prospectus to the extent that a statement contained herein or therein or in any other subsequently filed document which also is, or is deemed to be, incorporated by reference herein or therein modifies or supersedes
      such statement.&#160; Any such statement so modified or superseded shall not be deemed, except as so modified or superseded, to constitute a part of this Registration Statement and the prospectus.</div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;">All information appearing in this Registration Statement and the prospectus is qualified in its entirety by the detailed information, including financial statements, appearing in
      the documents incorporated herein or therein by reference.</div>
    <div style="text-align: justify; margin-bottom: 12pt; font-weight: bold;">Item 4.&#160; Description of Securities</div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;">Not applicable.</div>
    <div style="text-align: justify; margin-bottom: 12pt; font-weight: bold;">Item 5.&#160; Interests of Named Experts and Counsel</div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;">None.</div>
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    </div>
    <div style="text-align: justify; margin-bottom: 12pt; font-weight: bold;">Item 6.&#160; Indemnification of Directors and Officers</div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;">Articles IX and X of the Certificate of Incorporation of the Company set forth circumstances under which directors, officers, employees and agents of the Company may be insured
      or indemnified against liability which they incur in their capacities as such.</div>
    <div style="text-indent: 36pt;"><font style="font-weight: bold;">Article IX.</font><font style="display: inline-block; text-indent: 0px; font-size: 1px; width: 101.4pt" class="TRGRRTFtoHTMLTab">&#160;</font><font style="font-weight: bold;">Limitation of
        Director Liability&#160;&#160;</font></div>
    <div> <br>
    </div>
    <div style="text-indent: 36pt;">A director of the Corporation shall not be personally liable to the Corporation or its stockholders for monetary damages for breach of fiduciary duty as a director, except to the extent such exemption from liability or
      limitation thereof is expressly prohibited by the General Corporation Law of the State of Delaware as the same exists or may hereafter be amended.</div>
    <div><br>
    </div>
    <div style="text-indent: 45.8pt;">Any amendment, termination or repeal of this Article IX or any provisions hereof shall not adversely affect or diminish in any way any right or protection of a director of the Corporation existing with respect to any
      act or omission occurring prior to the time of the final adoption of such amendment, termination or repeal.</div>
    <div> <br>
    </div>
    <div style="text-indent: 45.8pt;">In addition to any requirements of law or of any other provisions of this Certificate of Incorporation, the affirmative vote of the holders of not less than eighty percent (80%) of the total number of votes eligible to
      be cast by the holders of all outstanding shares of Capital Stock entitled to vote thereon shall be required to amend, alter, rescind or repeal any provision of this Article IX.</div>
    <div> <br>
    </div>
    <div style="text-indent: 36pt; font-weight: bold;">Article X.&#160;&#160;&#160;&#160;Indemnification</div>
    <div><br>
    </div>
    <div style="text-indent: 36pt;"><font style="font-weight: bold;">Section 1. Actions, Suits or Proceedings Other than by or in Right of the Corporation</font>. To the fullest extent permitted by the General Corporation Law of the State of Delaware, the
      Corporation shall indemnify any person who is or was or has agreed to become a director or officer of the Corporation who was or is made a party to or is threatened to be made a party to any threatened, pending or completed action, suit or
      proceeding, whether civil, criminal, administrative or investigative (other than an action by or in the right of the Corporation) by reason of the fact that he or she is or was or has agreed to become a director or officer of the Corporation, or by
      reason of any action alleged to have been taken or omitted in such capacity, and the Corporation may indemnify any other person who is or was or has agreed to become an employee or agent of the Corporation who was or is made a party to or is
      threatened to made a party to any threatened, pending or completed action, suit or proceeding, whether civil, criminal or administrative or investigative (other than an action by or in the right of the Corporation) by reason of the fact that he or
      she is or was or has agreed to become an employee or agent of the Corporation, or by reason of any action alleged to have been taken or omitted in such capacity, against costs, charges, expenses (including attorneys&#8217; fees), judgments, fines and
      amounts paid in settlement actually and reasonably incurred by him or her or on his or her behalf in connection with such action, suit or proceeding and any appeal therefrom, if he or she acted in good faith and in a manner he or she reasonably
      believed to be in, or not opposed to, the best interests of the Corporation, and, with respect to any criminal action or proceeding, had no reasonable cause to believe his or her conduct was unlawful. The termination of any action, suit or proceeding
      by judgment, order, settlement or conviction, or upon a plea of nolo contendere or its equivalent, shall not, of itself, create a presumption that the person did not act in good faith and in a manner which he or she reasonably believed to be in, or
      not opposed to, the best interests of the Corporation and, with respect to any criminal action or proceeding, had reasonable cause to believe that his or her conduct was unlawful. Notwithstanding anything contained in this Article X, but subject to
      Section 7 hereof, the Corporation shall not be obligated to indemnify any director or officer in connection with an action, suit or proceeding, or part thereof, initiated by such person against the Corporation unless such action, suit or proceeding,
      or part thereof, was authorized or consented to by the Board of Directors.</div>
    <div><br>
    </div>
    <div style="text-indent: 36pt;"><font style="font-weight: bold;">Section 2. Actions or Suits by or in the Right of the Corporation</font>. To the fullest extent permitted by the General Corporation Law of the State of Delaware, the Corporation shall
      indemnify any person who is or was or has agreed to become a director or officer of the Corporation who was or is a party or is threatened to be made a party to any threatened, pending or completed action or suit by or in the right of the Corporation
      to procure a judgment in its favor by reason of the fact that he or she is or was or has agreed to become a director or officer of the Corporation, or by reason of any action alleged to have been taken or omitted in such capacity, and the corporation
      may indemnify any other person who is or was or has agreed to become an employee or agent of the Corporation who was or is made a party or is threatened to be made a party to any threatened, pending or completed action or suit by</div>
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    <div>or in the right of the Corporation to procure a judgment in its favor by reason of the fact that he or she is or was or has agreed to become an employee or agent of the Corporation, or by reason of any action alleged to have been taken or omitted
      in such capacity, against costs, charges and expenses (including attorneys&#8217; fees) actually and reasonably incurred by him or her or on his or her behalf in connection with defense or settlement of such action or suit and any appeal therefrom, if he
      or she acted in good faith and in a manner he or she reasonably believed to be in, or not opposed to, the best interests of the Corporation, except no indemnification shall be made in respect of any claim, issue or matter as to which such person
      shall have been adjudged to be liable to the Corporation unless and only to the extent that the Court of Chancery of Delaware or the court in which such action or suit was brought shall determine upon application that, despite the adjudication of
      such liability but in view of all the circumstances of the case, such person is fairly and reasonably entitled to indemnity for such costs, charges and expenses which the Court of Chancery or such other court shall deem proper. Notwithstanding
      anything contained in this Article X, but subject to Section 7 hereof, the corporation shall not be obligated to indemnify any director of officer in connection with an action or suit, or part thereof, initiated by such person against the Corporation
      unless such action or suit, or part thereof, was authorized or consented to by the Board of Directors.</div>
    <div style="text-indent: 36pt;"> <br>
    </div>
    <div style="text-indent: 31.5pt;"><font style="font-weight: bold;">Section 3. Indemnification for Costs, Charges and Expenses of a Successful Party</font>. To the extent that a director, officer, employee or agent of the Corporation has been
      successful, on the merits or otherwise (including, without limitation, the dismissal of an action without prejudice), in defense of any action, suit or proceeding referred to in Section 1 or 2 of this Article X, or in defense of any claim, issue or
      matter therein, such person shall be indemnified against all costs, charges and expenses (including attorneys&#8217; fees) actually and reasonably incurred by such person or on such person&#8217;s behalf in connection therewith.</div>
    <div><br>
    </div>
    <div style="text-indent: 36pt;"><font style="font-weight: bold;">Section 4. Indemnification for Expenses of a Witness</font>. To the extent that any person who is or was or has agreed to become a director or officer of the Corporation is made a witness
      to any action, suit or proceeding to which he or she is not a party by reason of the fact that he or she was, is or has agreed to become a director or officer of the Corporation, or is or was serving or has agreed to serve as a director, officer,
      employee or agent of another corporation, partnership, joint venture, trust or other enterprise, at the written request of the Corporation, such person shall be indemnified against all costs, charges and expenses actually and reasonably incurred by
      such person or on such person&#8217;s behalf in connection therewith.</div>
    <div><br>
    </div>
    <div style="text-indent: 36pt;">To the extent that any person who is or was or has agreed to become an employee or agent of the Corporation is made a witness to any action, suit or proceeding to which he or she is not a party by reason of the fact that
      he or she was, is or has agreed to become an employee or agent of the Corporation, or is or was serving or has agreed to serve as a director, officer, employee or agent of another corporation, partnership, joint venture, trust or other enterprise, at
      the written request of the Corporation, such person may be indemnified against all costs, charges and expenses actually and reasonably incurred by such person or on such person&#8217;s behalf in connection herewith.</div>
    <div><br>
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    <div style="text-align: center;">*&#160; *&#160;&#160; *</div>
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    <div style="text-indent: 36pt;"><font style="font-weight: bold;">Section 6. Advancement of Costs, Charges and Expenses</font>. Costs, charges and expenses (including attorneys&#8217; fees) incurred by or on behalf of a director or officer in defending a
      civil or criminal action, suit or proceeding referred to in Section 1 or 2 of this Article X shall be paid by the Corporation in advance of the final disposition of such action, suit or proceeding; provided, however, that the payment of such costs,
      charges and expenses incurred by or on behalf of a director or officer in advance of the final disposition of such action, suit or proceeding shall be made only upon receipt of a written undertaking by or on behalf of the director or officer to repay
      all amounts so advanced in the event that it shall ultimately be determined that such director or officer is not entitled to be indemnified by the Corporation as authorized in this Article X or by law. No security shall be required for such
      undertaking and such undertaking shall be accepted without reference to the recipient&#8217;s financial ability to make repayment. The majority of the directors who were not parties to such action, suit or proceeding may, upon approval of such director or
      officer of the Corporation, authorize the Corporation&#8217;s counsel to represent such person, in any action, suit or proceeding, whether or not the Corporation is a party to such action, suit or proceeding.</div>
    <div><br>
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    <div style="text-align: center;">*&#160; *&#160;&#160; *</div>
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    <div style="text-indent: 36pt;"><font style="font-weight: bold;">Section 9. Other Rights; Continuation of Right to Indemnification; Individual Contracts</font>. The indemnification and advancement of costs, charges and expenses provided by or granted
      pursuant to this Article X shall not be deemed exclusive of any other rights to which those persons seeking indemnification or advancement of</div>
    <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
      <div style="page-break-after: always;" class="BRPFPageBreak">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
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    <div>costs, charges and expenses may be entitled under law (common or statutory) or by any Bylaw, agreement, policy of indemnification insurance or vote of stockholders or directors or otherwise, both as to action in his or her official capacity and as
      to action in any other capacity while holding office, and shall continue as to a person who has ceased to be a director, officer, employee or agent and shall inure to the benefit of the legatees, heirs, distributes, executors and administrators of
      such person. Nothing contained in this Article X shall be deemed to prohibit the Corporation from entering into, and the Corporation is specifically authorized to enter into, agreements with directors, officers, employees and agents providing
      indemnification rights and procedures different from those set forth herein. All rights to indemnification under this Article X shall be deemed to be a contract between the Corporation and each director, officer, employee or agent of the Corporation
      who serves or served in such capacity at any time while this Article X is in effect.</div>
    <div><br>
    </div>
    <div style="text-align: center; margin-left: 37.2pt;">*&#160; *&#160;&#160; *</div>
    <div><br>
    </div>
    <div style="text-indent: 36pt;"><font style="font-weight: bold;">Section 11. Insurance</font>. The Corporation may purchase and maintain insurance, at its expense, to protect itself and any person who is or was a director, officer, employee or agent of
      the Corporation against any costs, charges or expenses, liability or loss incurred by such person in any such capacity, or arising out of his status as such, whether or not the Corporation would have the power to indemnify such person against such
      costs, charges or expenses, liability or loss under the Certificate of Incorporation or applicable law; provided, however, that such insurance is available on acceptable terms as determined by the Board. To the extent that any director, officer,
      employee or agent is reimbursed by an insurance company under an indemnification insurance policy for any costs, charges, expenses (including attorney&#8217;s fees), judgments, fines and amounts paid in settlement to the fullest extent permitted by any
      applicable portion of this Article X, the Bylaws, any agreement, the policy or indemnification insurance or otherwise, the Corporation shall not be obligated to reimburse the person to be indemnified in connection with such proceeding.</div>
    <div><br>
    </div>
    <div style="margin-top: 12pt; margin-bottom: 12pt; font-weight: bold;">Item 7.&#160; Exemption From Registration Claimed.</div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;">Not applicable.</div>
    <div style="text-align: justify; margin-bottom: 12pt;"><font style="font-weight: bold;">Item 8.</font><font style="display: inline-block; text-indent: 0px; font-size: 1px; width: 72pt" class="TRGRRTFtoHTMLTab">&#160;</font><font style="font-weight: bold;">Exhibits.</font></div>
    <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" id="z938c4fb1616d4cd79ab73e00eae942db">

        <tr>
          <td style="width: 16.42%; vertical-align: bottom; border-bottom: 2px solid black;">
            <div style="text-align: center;">Regulation S-K</div>
            <div style="text-align: center;">Exhibit Number</div>
          </td>
          <td style="width: 2.66%; vertical-align: top;">&#160;</td>
          <td style="width: 52.08%; vertical-align: bottom; border-bottom: 2px solid black;">
            <div style="text-align: center;">Document</div>
          </td>
          <td style="width: 2.32%; vertical-align: top;">&#160;</td>
          <td style="width: 26.52%; vertical-align: bottom; border-bottom: 2px solid black;">
            <div style="text-align: center;">Reference to Prior Filing or</div>
            <div style="text-align: center;">Exhibit No. Attached Hereto</div>
          </td>
        </tr>
        <tr>
          <td style="width: 16.42%; vertical-align: bottom;">&#160;</td>
          <td style="width: 2.66%; vertical-align: top;">&#160;</td>
          <td style="width: 52.08%; vertical-align: bottom;">&#160;</td>
          <td style="width: 2.32%; vertical-align: top;">&#160;</td>
          <td style="width: 26.52%; vertical-align: bottom;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 16.42%; vertical-align: top;">
            <div style="text-align: center;"><a href="https://www.sec.gov/Archives/edgar/data/1016178/0000882377-96-000095-index.html">4</a></div>
          </td>
          <td style="width: 2.66%; vertical-align: top;"><br>
          </td>
          <td style="width: 52.08%; vertical-align: top;">
            <div><a href="https://www.sec.gov/Archives/edgar/data/1016178/0000882377-96-000095-index.html">Form of Common Stock Certificate</a></div>
          </td>
          <td style="width: 2.32%; vertical-align: top;">&#160;</td>
          <td style="width: 26.52%; vertical-align: top;">
            <div>*</div>
          </td>
        </tr>
        <tr>
          <td style="width: 16.42%; vertical-align: top;">&#160;</td>
          <td style="width: 2.66%; vertical-align: top;">&#160;</td>
          <td style="width: 52.08%; vertical-align: top;">&#160;</td>
          <td style="width: 2.32%; vertical-align: top;">&#160;</td>
          <td style="width: 26.52%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 16.42%; vertical-align: top;">
            <div style="text-align: center;"><a href="ex5-s8_080525.htm">5</a></div>
          </td>
          <td style="width: 2.66%; vertical-align: top;"><br>
          </td>
          <td style="width: 52.08%; vertical-align: top;">
            <div><a href="ex5-s8_080525.htm">Opinion of Luse Gorman, PC</a></div>
          </td>
          <td style="width: 2.32%; vertical-align: top;">&#160;</td>
          <td style="width: 26.52%; vertical-align: top;">
            <div>Attached as Exhibit 5</div>
          </td>
        </tr>
        <tr>
          <td style="width: 16.42%; vertical-align: top;">&#160;</td>
          <td style="width: 2.66%; vertical-align: top;">&#160;</td>
          <td style="width: 52.08%; vertical-align: top;">&#160;</td>
          <td style="width: 2.32%; vertical-align: top;">&#160;</td>
          <td style="width: 26.52%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 16.42%; vertical-align: top;">
            <div style="text-align: center;"><a href="https://www.sec.gov/Archives/edgar/data/1016178/000110465924113051/tm2425801d1_defc14a.htm">10.1</a></div>
          </td>
          <td style="width: 2.66%; vertical-align: top;"><br>
          </td>
          <td style="width: 52.08%; vertical-align: top;">
            <div><a href="https://www.sec.gov/Archives/edgar/data/1016178/000110465924113051/tm2425801d1_defc14a.htm">Carver Bancorp, Inc. 2024 Equity Incentive Plan</a></div>
          </td>
          <td style="width: 2.32%; vertical-align: top;">&#160;</td>
          <td style="width: 26.52%; vertical-align: top;">
            <div>**</div>
          </td>
        </tr>
        <tr>
          <td style="width: 16.42%; vertical-align: top;">&#160;</td>
          <td style="width: 2.66%; vertical-align: top;">&#160;</td>
          <td style="width: 52.08%; vertical-align: top;">&#160;</td>
          <td style="width: 2.32%; vertical-align: top;">&#160;</td>
          <td style="width: 26.52%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 16.42%; vertical-align: top;">
            <div style="text-align: center;"><a href="ex10-2_s8080525.htm">10.2</a></div>
          </td>
          <td style="width: 2.66%; vertical-align: top;"><br>
          </td>
          <td style="width: 52.08%; vertical-align: top;">
            <div><a href="ex10-2_s8080525.htm">Form of Incentive Stock Option Award Agreement for the Carver Bancorp, Inc. 2024 Equity Incentive Plan</a></div>
          </td>
          <td style="width: 2.32%; vertical-align: top;">&#160;</td>
          <td style="width: 26.52%; vertical-align: top;">
            <div>Attached as Exhibit 10.2</div>
          </td>
        </tr>
        <tr>
          <td style="width: 16.42%; vertical-align: top;">&#160;</td>
          <td style="width: 2.66%; vertical-align: top;">&#160;</td>
          <td style="width: 52.08%; vertical-align: top;">&#160;</td>
          <td style="width: 2.32%; vertical-align: top;">&#160;</td>
          <td style="width: 26.52%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 16.42%; vertical-align: top;">
            <div style="text-align: center;"><a href="ex10-3_s8080525.htm">10.3</a></div>
          </td>
          <td style="width: 2.66%; vertical-align: top;"><br>
          </td>
          <td style="width: 52.08%; vertical-align: top;">
            <div><a href="ex10-3_s8080525.htm">Form of Non-Statutory Stock Option Award Agreement for the Carver Bancorp, Inc. 2024 Equity Incentive Plan</a></div>
          </td>
          <td style="width: 2.32%; vertical-align: top;">&#160;</td>
          <td style="width: 26.52%; vertical-align: top;">
            <div>Attached as Exhibit 10.3</div>
          </td>
        </tr>
        <tr>
          <td style="width: 16.42%; vertical-align: top;">&#160;</td>
          <td style="width: 2.66%; vertical-align: top;">&#160;</td>
          <td style="width: 52.08%; vertical-align: top;">&#160;</td>
          <td style="width: 2.32%; vertical-align: top;">&#160;</td>
          <td style="width: 26.52%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 16.42%; vertical-align: top;">
            <div style="text-align: center;"><a href="ex10-4_s8080525.htm">10.4 <br>
              </a></div>
          </td>
          <td style="width: 2.66%; vertical-align: top;"><br>
          </td>
          <td style="width: 52.08%; vertical-align: top;">
            <div><a href="ex10-4_s8080525.htm">Form of Restricted Stock Award Agreement for the Carver Bancorp, Inc. 2024 Equity Incentive Plan</a></div>
          </td>
          <td style="width: 2.32%; vertical-align: top;">&#160;</td>
          <td style="width: 26.52%; vertical-align: top;">
            <div>Attached as Exhibit 10.4</div>
          </td>
        </tr>
        <tr>
          <td style="width: 16.42%; vertical-align: top;" rowspan="1">&#160;</td>
          <td style="width: 2.66%; vertical-align: top;" rowspan="1">&#160;</td>
          <td style="width: 52.08%; vertical-align: top;" rowspan="1">&#160;</td>
          <td style="width: 2.32%; vertical-align: top;" rowspan="1">&#160;</td>
          <td style="width: 26.52%; vertical-align: top;" rowspan="1">&#160;</td>
        </tr>
        <tr>
          <td style="width: 16.42%; vertical-align: top; text-align: center;"><a href="ex10-5_s8080525.htm">&#160;10.5</a></td>
          <td style="width: 2.66%; vertical-align: top;"><br>
          </td>
          <td style="width: 52.08%; vertical-align: top;"><a href="ex10-5_s8080525.htm">Form of Restricted Stock Unit Award Agreement for the Carver Bancorp, Inc. 2024
              Equity Incentive Plan</a></td>
          <td style="width: 2.32%; vertical-align: top;">&#160;</td>
          <td style="width: 26.52%; vertical-align: top;">Attached as Exhibit 10.5</td>
        </tr>
        <tr>
          <td style="width: 16.42%; vertical-align: top;" rowspan="1">&#160;</td>
          <td style="width: 2.66%; vertical-align: top;" rowspan="1">&#160;</td>
          <td style="width: 52.08%; vertical-align: top;" rowspan="1">&#160;</td>
          <td style="width: 2.32%; vertical-align: top;" rowspan="1">&#160;</td>
          <td style="width: 26.52%; vertical-align: top;" rowspan="1">&#160;</td>
        </tr>
        <tr>
          <td style="width: 16.42%; vertical-align: top;">
            <div style="text-align: center;"><a href="ex5-s8_080525.htm">23.1</a></div>
          </td>
          <td style="width: 2.66%; vertical-align: top;"><br>
          </td>
          <td style="width: 52.08%; vertical-align: top;">
            <div><a href="ex5-s8_080525.htm">Consent of Luse Gorman, PC</a></div>
          </td>
          <td style="width: 2.32%; vertical-align: top;">&#160;</td>
          <td style="width: 26.52%; vertical-align: top;">
            <div>Contained in Exhibit 5</div>
          </td>
        </tr>
        <tr>
          <td style="width: 16.42%; vertical-align: top;">&#160;</td>
          <td style="width: 2.66%; vertical-align: top;">&#160;</td>
          <td style="width: 52.08%; vertical-align: top;">&#160;</td>
          <td style="width: 2.32%; vertical-align: top;">&#160;</td>
          <td style="width: 26.52%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 16.42%; vertical-align: top;">
            <div style="text-align: center;"><a href="ex23-2_s8080525.htm">23.2</a></div>
          </td>
          <td style="width: 2.66%; vertical-align: top;"><br>
          </td>
          <td style="width: 52.08%; vertical-align: top;">
            <div><a href="ex23-2_s8080525.htm">Consent of Independent Registered Public Accounting Firm</a></div>
          </td>
          <td style="width: 2.32%; vertical-align: top;">&#160;</td>
          <td style="width: 26.52%; vertical-align: top;">
            <div>Attached as Exhibit 23.2</div>
          </td>
        </tr>

    </table>
    <div><br>
    </div>
    <div><br>
    </div>
    <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div class="BRPFPageBreak" style="page-break-after: always;">
        <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
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    <div><br>
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        <tr>
          <td style="width: 16.42%; vertical-align: top; text-align: center;"><a href="#POWEROFATTORNEY">&#160;24</a></td>
          <td style="width: 2.66%; vertical-align: top;"><br>
          </td>
          <td style="width: 52.08%; vertical-align: top;"><a href="#POWEROFATTORNEY">Power of Attorney</a></td>
          <td style="width: 2.32%; vertical-align: top;">&#160;</td>
          <td style="width: 26.52%; vertical-align: top;">&#160;Contained on Signature Page</td>
        </tr>
        <tr>
          <td style="width: 16.42%; vertical-align: top; text-align: center;" rowspan="1">&#160;</td>
          <td style="width: 2.66%; vertical-align: top;" rowspan="1">&#160;</td>
          <td style="width: 52.08%; vertical-align: top;" rowspan="1">&#160;</td>
          <td style="width: 2.32%; vertical-align: top;" rowspan="1">&#160;</td>
          <td style="width: 26.52%; vertical-align: top;" rowspan="1">&#160;</td>
        </tr>
        <tr>
          <td style="width: 16.42%; vertical-align: top;">
            <div style="text-align: center;">107</div>
          </td>
          <td style="width: 2.66%; vertical-align: top;">&#160;</td>
          <td style="width: 52.08%; vertical-align: top;">
            <div>Filing Fee Table</div>
          </td>
          <td style="width: 2.32%; vertical-align: top;">&#160;</td>
          <td style="width: 26.52%; vertical-align: top;">
            <div>Attached as Exhibit 107 <br>
            </div>
          </td>
        </tr>

    </table>
    <div>_________________________</div>
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        <tr>
          <td style="width: 18pt; vertical-align: top;">*</td>
          <td style="width: auto; vertical-align: top; text-align: justify;">
            <div>Incorporated by reference to Exhibit 4.1 to the Registration Statement on Form S-4 (File No. 333-05559) filed by the Company under the Securities Act, with the Commission on June 7, 1996, as amended on June 27, 1996 and all amendments or
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          </td>
        </tr>

    </table>
    <div><br>
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    <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000; margin-bottom: 12pt;" class="DSPFListTable" id="z555fca6f43cb4beab8208121b7d7e35c">

        <tr>
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            <div>Incorporated by reference to Appendix A to the proxy statement for the Annual Meeting of Stockholders of Carver Bancorp, Inc. (File No. 001-13007), filed by the Company under the Exchange Act on October 31, 2024.</div>
          </td>
        </tr>

    </table>
    <div style="text-align: justify; margin-bottom: 12pt; font-weight: bold;">Item 9.&#160; Undertakings</div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;">The undersigned Registrant hereby undertakes:</div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;">1.<font style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt" class="TRGRRTFtoHTMLTab">&#160;</font>To file, during any period in which offers or sales are
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    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;">&#160;(i)<font style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt" class="TRGRRTFtoHTMLTab">&#160;</font> to include any prospectus required by section 10(a)(3) of
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    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;">(ii)<font style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt" class="TRGRRTFtoHTMLTab">&#160;</font>to reflect in the prospectus any facts or events arising
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      Notwithstanding the foregoing, any increase or decrease in volume of securities offered (if the total dollar value of securities offered would not exceed that which was registered) and any deviation from the low or high end of the estimated maximum
      offering range may be reflected in the form of prospectus filed with the Commission pursuant to Rule 424(b) (section 230.424(b)) if, in the aggregate, the changes in volume and price represent no more than 20% change in the maximum aggregate offering
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    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;">(iii)<font style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt" class="TRGRRTFtoHTMLTab">&#160;</font>to include any material information with respect to the
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    <div style="text-align: justify; margin-bottom: 12pt;"><font style="font-style: italic;">provided, however</font>, that paragraphs 1(i) and 1(ii) above do not apply if the information required to be included in a post-effective amendment by these
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    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;">2.<font style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt" class="TRGRRTFtoHTMLTab">&#160;</font>That, for the purpose of determining any liability under the
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    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;">3.<font style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt" class="TRGRRTFtoHTMLTab">&#160;</font>To remove from registration by means of a post-effective
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    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;">4.<font style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt" class="TRGRRTFtoHTMLTab">&#160;</font>That, for purposes of determining any liability under the
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      Statement relating to the securities offered therein, and the offering of such securities at that time shall be deemed to be the initial <font style="font-style: italic;">bona fide</font> offering thereof; and</div>
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      Securities Act of 1933 may be permitted to directors, officers and controlling persons of the Registrant pursuant to the foregoing provisions, or otherwise, the Registrant has been advised that in the opinion of the Securities and Exchange Commission
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    <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
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    <div style="text-align: center; font-weight: bold;">SIGNATURES</div>
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    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;"><font style="font-weight: bold;">The Registrant.</font>&#160; Pursuant to the requirements of the Securities Act, the Registrant certifies that it has reasonable grounds to believe
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        <tr>
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            <div style="text-align: justify; font-weight: bold;">CARVER BANCORP, INC.</div>
            <div>&#160;</div>
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        </tr>
        <tr>
          <td style="width: 50%; vertical-align: top;">
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        <tr>
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        </tr>
        <tr>
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    <div><br>
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    <div><br>
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    <div style="text-align: center; font-weight: bold;"><a name="POWEROFATTORNEY"><!--Anchor--></a>POWER OF ATTORNEY</div>
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    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;">We, the undersigned directors and officers of Carver Bancorp, Inc. (the &#8220;Company&#8221;) hereby severally constitute and appoint Donald Felix, as our true and lawful attorney and
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    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;">Pursuant to the requirements of the Securities Act, this Registration Statement on Form S-8 has been signed by the following persons in the capacities and on the date indicated.</div>
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          <td style="width: 29.65%; vertical-align: top;">&#160;</td>
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          <td style="width: 29.65%; vertical-align: top;">&#160;</td>
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          <td style="width: 29.65%; vertical-align: top;">&#160;</td>
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          <td style="width: 29.65%; vertical-align: top;">&#160;</td>
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          <td style="width: 29.65%; vertical-align: top;">&#160;</td>
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          <td style="width: 29.65%; vertical-align: top;">&#160;</td>
          <td style="width: 5.57%; vertical-align: top;">&#160;</td>
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          <td style="width: 24.18%; vertical-align: top;">&#160;</td>
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          <td style="width: 29.65%; vertical-align: top;">&#160;</td>
          <td style="width: 5.57%; vertical-align: top;">&#160;</td>
          <td style="width: 35.06%; vertical-align: top;">&#160;</td>
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          <td style="width: 29.65%; vertical-align: top;">&#160;</td>
          <td style="width: 5.57%; vertical-align: top;">&#160;</td>
          <td style="width: 35.06%; vertical-align: top;">&#160;</td>
          <td style="width: 5.56%; vertical-align: top;">&#160;</td>
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          <td style="width: 29.65%; vertical-align: top;">&#160;</td>
          <td style="width: 5.57%; vertical-align: top;">&#160;</td>
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          <td style="width: 5.57%; vertical-align: top;">&#160;</td>
          <td style="width: 35.06%; vertical-align: top;">&#160;</td>
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          <td style="width: 24.18%; vertical-align: top;">&#160;</td>
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          <td style="width: 29.65%; vertical-align: top;">&#160;</td>
          <td style="width: 5.57%; vertical-align: top;">&#160;</td>
          <td style="width: 35.06%; vertical-align: top;">&#160;</td>
          <td style="width: 5.56%; vertical-align: top;">&#160;</td>
          <td style="width: 24.18%; vertical-align: top;">&#160;</td>
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          <td style="width: 29.65%; vertical-align: top;">&#160;</td>
          <td style="width: 5.57%; vertical-align: top;">&#160;</td>
          <td style="width: 35.06%; vertical-align: top;">&#160;</td>
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          <td style="width: 29.65%; vertical-align: top;">&#160;</td>
          <td style="width: 5.57%; vertical-align: top;">&#160;</td>
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          <td style="width: 29.65%; vertical-align: top;">&#160;</td>
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          <td style="width: 29.65%; vertical-align: top;">&#160;</td>
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          <td style="width: 29.65%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
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          <td style="width: 24.18%; vertical-align: top; padding-bottom: 2px;">
            <div><br>
            </div>
          </td>
        </tr>
        <tr>
          <td style="width: 29.65%; vertical-align: top;">
            <div>Robin L. Nunn</div>
          </td>
          <td style="width: 5.57%; vertical-align: top;">&#160;</td>
          <td style="width: 35.06%; vertical-align: top;">&#160;Director</td>
          <td style="width: 5.56%; vertical-align: top;">&#160;</td>
          <td style="width: 24.18%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 29.65%; vertical-align: top;">&#160;</td>
          <td style="width: 5.57%; vertical-align: top;">&#160;</td>
          <td style="width: 35.06%; vertical-align: top;">&#160;</td>
          <td style="width: 5.56%; vertical-align: top;">&#160;</td>
          <td style="width: 24.18%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 29.65%; vertical-align: top;">&#160;</td>
          <td style="width: 5.57%; vertical-align: top;">&#160;</td>
          <td style="width: 35.06%; vertical-align: top;">&#160;</td>
          <td style="width: 5.56%; vertical-align: top;">&#160;</td>
          <td style="width: 24.18%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 29.65%; vertical-align: top;">&#160;</td>
          <td style="width: 5.57%; vertical-align: top;">&#160;</td>
          <td style="width: 35.06%; vertical-align: top;">&#160;</td>
          <td style="width: 5.56%; vertical-align: top;">&#160;</td>
          <td style="width: 24.18%; vertical-align: top;">&#160;</td>
        </tr>

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</DOCUMENT>
<DOCUMENT>
<TYPE>EX-5
<SEQUENCE>2
<FILENAME>ex5-s8_080525.htm
<DESCRIPTION>OPINION OF LUSE GORMAN, PC
<TEXT>
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  <div style="text-align: right;"><font style="font-weight: bold;">EXHIBIT 5</font><br>
  </div>
  <div><br>
  </div>
  <div><br>
  </div>
  <div>
    <div><br>
    </div>
    <div><br>
    </div>
    <div style="text-align: center; font-size: 12pt; font-weight: bold;">LUSE GORMAN, PC</div>
    <div style="text-align: center; font-size: 8pt; font-weight: bold;">ATTORNEYS AT LAW</div>
    <div><br>
    </div>
    <div style="text-align: center; font-size: 8pt; font-weight: bold;">5335 WISCONSIN AVENUE, N.W., SUITE 780</div>
    <div style="text-align: center; font-size: 8pt; font-weight: bold;">WASHINGTON, D.C. 20015</div>
    <div><br>
    </div>
    <div style="text-align: center; font-size: 8pt; font-weight: bold;">TELEPHONE (202) 274-2000</div>
    <div style="text-align: center; font-size: 8pt; font-weight: bold;">FACSIMILE (202) 362-2902</div>
    <div style="text-align: center; font-size: 8pt; font-weight: bold;">www.luselaw.com</div>
    <div><br>
    </div>
    <div><br>
    </div>
    <div>August 7, 2025</div>
    <div><br>
    </div>
    <div>Board of Directors</div>
    <div>Carver Bancorp, Inc.</div>
    <div>75 West 125th Street</div>
    <div>New York, New York 10027</div>
    <div><br>
    </div>
    <table cellspacing="0" cellpadding="0" id="z05d6c35ee7574c73bf9406443905b167" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

        <tr>
          <td style="width: 36pt;"><br>
          </td>
          <td style="width: 36pt; vertical-align: top; font-weight: bold;">Re:</td>
          <td style="width: auto; vertical-align: top;">
            <div><font style="font-weight: bold;"><u>Carver Bancorp, Inc.</u></font><u> -</u><font style="font-weight: bold;"><u> Registration Statement on Form S-8</u></font></div>
          </td>
        </tr>

    </table>
    <div><br>
    </div>
    <div>Members of the Board of Directors:</div>
    <div><br>
    </div>
    <div style="text-align: justify; text-indent: 36pt;">You have requested the opinion of this firm as to certain matters in connection with the registration of 350,000 shares of common stock, par value $0.01 per share (the &#8220;Shares&#8221;), of Carver Bancorp,
      Inc. (the &#8220;Company&#8221;) to be issued pursuant to the Carver Bancorp, Inc. 2024 Equity Incentive Plan (the &#8220;Equity Plan&#8221;).</div>
    <div><br>
    </div>
    <div style="text-align: justify; text-indent: 36pt;">In rendering the opinion expressed herein, we have examined originals or copies, certified or otherwise identified to our satisfaction of the following: (i) the Company&#8217;s Registration Statement on
      Form S-8 (the &#8220;Form S-8&#8221;) to be filed with the Securities Exchange Commission (the &#8220;Commission&#8221;) under the Securities Act, on the date hereof; (ii) the Certificate of Incorporation of the Company, as currently in effect; (iii) the Bylaws of the
      Company, as currently in effect; (iv) the Equity Plan; (v) certain resolutions of the board of directors of the Company relating to the approval of the Equity Plan, the filing of the Registration Statement and certain related matters; and (vi)
      applicable statutes and regulations governing the Company.&#160; We have assumed the authenticity, accuracy and completeness of all documents in connection with the opinion expressed herein.&#160; We have also assumed the legal capacity and genuineness of the
      signatures of persons signing all documents in connection with which the opinions expressed herein are rendered.</div>
    <div><br>
    </div>
    <div style="text-align: justify; text-indent: 36pt;">Based on the foregoing, we are of the following opinion:</div>
    <div><br>
    </div>
    <div style="text-align: justify; text-indent: 36pt;">Following the effectiveness of the Form S-8, the Shares, when issued in accordance with the terms and conditions of the Equity Plan, will be legally issued, fully paid and non-assessable.</div>
    <div><br>
    </div>
    <div style="text-align: justify; text-indent: 36pt;">This opinion has been prepared solely for the use of the Company in connection with the preparation and filing of the Form S-8, and should not be used for any other purpose or relied upon by any
      other person without the prior express written consent of this firm.</div>
    <div><br>
    </div>
    <div style="text-align: justify; text-indent: 36pt;">We consent to the filing of this opinion letter as an exhibit to the Registration Statement on Form S-8.&#160; In giving such consent, we do not thereby admit that we are within the category of persons
      whose consent is required under Section 7 of the Securities Act or the rules and regulations of the Commission thereunder.</div>
    <div><br>
    </div>
    <table cellspacing="0" cellpadding="0" id="zaaf33e4651a84b07a5bba2cf52af7575" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

        <tr>
          <td style="width: 50%; vertical-align: top;">&#160;</td>
          <td style="width: 50%; vertical-align: top;">
            <div>Very truly yours,</div>
          </td>
        </tr>
        <tr>
          <td style="width: 50%; vertical-align: top;">&#160;</td>
          <td style="width: 50%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 50%; vertical-align: top;">&#160;</td>
          <td style="width: 50%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 50%; vertical-align: top;">&#160;</td>
          <td style="width: 50%; vertical-align: top;">&#160;<u>/s/ Luse Gorman, PC</u><br>
          </td>
        </tr>
        <tr>
          <td style="width: 50%; vertical-align: top;">&#160;</td>
          <td style="width: 50%; vertical-align: top;">
            <div>LUSE GORMAN, PC</div>
          </td>
        </tr>
        <tr>
          <td style="width: 50%; vertical-align: top;">&#160;</td>
          <td style="width: 50%; vertical-align: top;">&#160;</td>
        </tr>

    </table>
  </div>
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</DOCUMENT>
<DOCUMENT>
<TYPE>EX-10.2
<SEQUENCE>3
<FILENAME>ex10-2_s8080525.htm
<DESCRIPTION>FORM OF INCENTIVE STOCK OPTION AWARD AGREEMENT FOR THE CARVER BANCORP, INC. 2024 EQUITY INCENTIVE PLAN
<TEXT>
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  <div style="text-align: right;"><font style="font-weight: bold;">EXHIBIT 10.2</font><br>
  </div>
  <div><br>
    <div><br>
    </div>
    <div><br>
    </div>
    <br>
    <div style="text-align: center; font-weight: bold;">FORM OF</div>
    <div><br>
    </div>
    <div style="text-align: center; font-weight: bold;">INCENTIVE STOCK OPTION AWARD AGREEMENT</div>
    <div><br>
    </div>
    <div style="text-align: center;">Granted by</div>
    <div><br>
    </div>
    <div style="text-align: center; font-variant: small-caps; font-weight: bold;">CARVER BANCORP, INC.</div>
    <div><br>
    </div>
    <div style="text-align: center;">under the</div>
    <div><br>
    </div>
    <div style="text-align: center; font-weight: bold;">CARVER BANCORP, INC.</div>
    <div style="text-align: center; font-weight: bold;">2024 EQUITY INCENTIVE PLAN</div>
    <div><br>
    </div>
    <div style="text-align: justify; text-indent: 36pt;">This Incentive Stock Option Award Agreement (&#8220;<font style="font-weight: bold;">Option</font>&#8221; or &#8220;<font style="font-weight: bold;">Agreement</font>&#8221;) is and will be subject in every respect to the provisions of the 2024 Equity Incentive Plan (the &#8220;<font style="font-weight: bold;">Plan</font>&#8221;) of Carver Bancorp, Inc. (the &#8220;<font style="font-weight: bold;">Company</font>&#8221;),
      which are incorporated herein by reference and made a part hereof, subject to the provisions of this Agreement.&#160; A copy of the Plan and related prospectus have been provided to each person granted a stock option pursuant to the Plan.&#160; The holder of
      this Option (the &#8220;<font style="font-weight: bold;">Participant</font>&#8221;) hereby accepts this Option, subject to all the terms and provisions of the Plan and this Agreement and agrees that
      all decisions under and interpretations of the Plan and this Agreement by the committee appointed to administer the Plan (the &#8220;<font style="font-weight: bold;">Committee</font>&#8221;) or the
      Board of Directors will be final, binding and conclusive upon the Participant and the Participant&#8217;s heirs, legal representatives, successors and permitted assigns.&#160; Except where the context otherwise requires, the term &#8220;Company&#8221; includes the parent
      and all present and future subsidiaries of the Company as defined in Section 424(e) and 424(f) of the Internal Revenue Code of 1986, as amended from time to time (the &#8220;<font style="font-weight: bold;">Code</font>&#8221;).&#160; Capitalized terms used herein but not defined will have the same meaning as in the Plan.</div>
    <div style="text-align: justify; text-indent: 36pt;"><br>
      <table cellspacing="0" cellpadding="0" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 37.05pt; vertical-align: top; text-align: right;">
              <div style="text-align: left;">1.</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; font-family: 'Times New Roman',Times,serif;"><font style="font-family: 'Times New Roman', Times, serif;"><font style="font-weight: bold;">Name of Participant</font>:__________________</font></div>
            </td>
          </tr>

      </table>
      <div><br>
      </div>
      <br>
      <table cellspacing="0" cellpadding="0" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 37.05pt; vertical-align: top; text-align: right;">
              <div style="text-align: left;">2.</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; font-family: 'Times New Roman',Times,serif;"><font style="font-family: 'Times New Roman', Times, serif;"><font style="font-weight: bold;">Date of Grant</font>:&#160; __________,&#160;&#160; <u>&#160;</u>.</font></div>
            </td>
          </tr>

      </table>
    </div>
    <br>
    <div>
      <table cellspacing="0" cellpadding="0" id="z85db810ba96f40aa86bb8c644122aa28" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 37.05pt; vertical-align: top; text-align: right;">
              <div style="text-align: left;">3.</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; font-family: 'Times New Roman',Times,serif;"><font style="font-weight: bold;">Total number of shares of Company
                  common stock, $0.01 par value per share, that may be acquired pursuant to this Option</font>:____<br>
                (subject to adjustment pursuant to Section 9 hereof).</div>
              <div style="text-align: justify; font-family: 'Times New Roman',Times,serif;"> <br>
              </div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z098407c9088545158eba3d4b4de3a13c" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 90pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 72pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify;">This Award is intended to be an Incentive Stock Option. The Option will be an Incentive Stock Option to the maximum extent permitted under the
                tax laws, which means that up to $100,000 of Options that vest in any one calendar year will be Incentive Stock Options (based on the exercise price of the Option).</div>
              <div style="text-align: justify;"> <br>
              </div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="zc92504b11e9743db9f9b0f1911b3518f" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 90pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 72pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify;">Please note that for purposes of determining the maximum number of Options that can vest in any one calendar year as Incentive Stock Options, the
                Options granted to you pursuant to this Agreement that vest in a calendar year will be aggregated with any earlier Option grant you received that vest in the same calendar year.&#160; If you vest in the maximum number of Incentive Stock Options
                in which you are permitted to vest for a calendar year under a prior Option Award, any Options that you receive under this Agreement that vest in the same calendar year will be considered Non-Qualified Stock Options.</div>
            </td>
          </tr>

      </table>
    </div>
    <div> <br>
      </div>
    <div><br>
      <table cellspacing="0" cellpadding="0" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 37.05pt; vertical-align: top; text-align: right;">
              <div style="text-align: left;">4.</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; font-family: 'Times New Roman',Times,serif;"><font style="font-family: 'Times New Roman', Times, serif;"><font style="font-weight: bold;">Exercise price per share: </font>$ _______</font><br>
                (subject to adjustment pursuant to Section 9 hereof).</div>
              <div style="text-align: justify; font-family: 'Times New Roman',Times,serif;"> <br>
              </div>
            </td>
          </tr>

      </table>
    </div>
    <br>
    <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" class="BRPFPageNumber">1</font></div>
      <div class="BRPFPageBreak" style="page-break-after: always;">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
    </div>
    <table cellspacing="0" cellpadding="0" id="z2b0f758aa48942ceb7bb8253be3decca" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

        <tr>
          <td style="width: 36pt; vertical-align: top;">5.</td>
          <td style="width: auto; vertical-align: top; text-align: justify;">
            <div><font style="font-weight: bold;">Expiration Date of Option:&#160; </font>_________<u>,</u>&#160;&#160; <u>&#160;</u>.&#160; Notwithstanding anything in this Agreement to the contrary, no part of
              this Option may be exercised at any time on or after the expiration date.</div>
            <div> <br>
            </div>
          </td>
        </tr>

    </table>
    <table cellspacing="0" cellpadding="0" id="z9bf0796fcfe343bca9288c1d77dfd885" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

        <tr>
          <td style="width: 34.2pt; vertical-align: top;">6.</td>
          <td style="width: auto; vertical-align: top; text-align: justify;">
            <div><font style="font-weight: bold;">Vesting Schedule</font>.&#160; Unless sooner vested in accordance with the
              terms of the Plan and this Agreement, the Option granted hereunder will vest (i.e., become exercisable) in accordance with the following schedule:</div>
          </td>
        </tr>

    </table>
    <div style="text-align: justify; text-indent: 35.3pt; margin-left: 36.7pt;"><u> <br>
        </u></div>
    <div style="text-align: justify; text-indent: 35.3pt; margin-left: 36.7pt;"><u>Vesting Date</u><font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 216pt">&#160;</font><u>Number of Shares Exercisable</u></div>
    <div><br>
    </div>
    <div><br>
    </div>
    <div style="text-align: justify; margin-left: 37.05pt;">As set forth in Section 10 of this Agreement, vesting will automatically accelerate pursuant to Sections 2.7 and 4.1 of the Plan in
      the event of death or Disability or an Involuntary Termination of Service at or following a Change in Control.</div>
    <div style="text-align: justify; margin-left: 37.05pt;"> <br>
    </div>
    <table cellspacing="0" cellpadding="0" id="zb87a32ab735a458babc860563ace432c" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

        <tr>
          <td style="width: 36pt; vertical-align: top;">7.</td>
          <td style="width: auto; vertical-align: top; text-align: justify;">
            <div><font style="font-weight: bold;">Exercise Procedure and Delivery of Notice of Exercise of Option</font>.&#160;
              This Option may be exercised in whole or in part by the Participant&#8217;s delivery to the Company of written notice (the &#8220;<font style="font-weight: bold;">Notice of Exercise of Option</font>&#8221;
              attached hereto as Exhibit A or as otherwise acceptable to the Company) setting forth the number of shares with respect to which this Option is to be exercised, together with payment by cash or other means acceptable to the Committee, in
              accordance with Section 2.2(b) of the Plan.</div>
            <div> <br>
            </div>
          </td>
        </tr>

    </table>
    <table cellspacing="0" cellpadding="0" id="z5e7b1eff5c2e48fe95639947d489055c" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

        <tr>
          <td style="width: 36pt; vertical-align: top;">8.</td>
          <td style="width: auto; vertical-align: top; text-align: justify;">
            <div><font style="font-weight: bold;">Delivery of Shares.&#160; </font>Delivery of shares of Stock upon the
              exercise of this Option will comply with all applicable laws (including the requirements of the Securities Act) and the applicable requirements of any securities exchange or similar entity.</div>
          </td>
        </tr>

    </table>
    <div><br>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 36pt; vertical-align: top;">9.</td>
            <td style="width: auto; vertical-align: top; text-align: justify;">
              <div style="font-family: 'Times New Roman',Times,serif;">
                <div><font style="font-family: 'Times New Roman', Times, serif; font-weight: bold;">Adjustment Provisions.</font></div>
                <div><font style="font-family: 'Times New Roman', Times, serif; font-weight: bold;"> <br>
                  </font></div>
                <div>This Option, including the number of shares subject to the Option and the exercise price, will be adjusted upon the occurrence of the
                  events specified in, and in accordance with the provisions of, Section 3.4 of the Plan.</div>
              </div>
            </td>
          </tr>

      </table>
    </div>
    <br>
    <table cellspacing="0" cellpadding="0" id="z6d688168ab584dd2916da8ebf05b13a9" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

        <tr>
          <td style="width: 36pt; vertical-align: top;">10.</td>
          <td style="width: auto; vertical-align: top; text-align: justify;">
            <div><font style="font-weight: bold;">Accelerated Vesting and Exercisability Period</font>.&#160; Notwithstanding
              the vesting schedule set forth in Section 6 of this Agreement, the vesting and exercisability of this Option upon a Termination of Service in certain events will be as follows:</div>
            <div> <br>
            </div>
          </td>
        </tr>

    </table>
    <div>
      <table cellspacing="0" cellpadding="0" id="z70eaa5e9ec6c4c479b20f34743b097d1" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 108.3pt; vertical-align: top; text-align: right; font-weight: normal;">
              <div style="text-align: left; margin-left: 71.25pt; font-family: 'Times New Roman',Times,serif;">(i)</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify;"><font style="font-weight: bold;">Death</font>.&#160; In the event of the Participant&#8217;s
                Termination of Service by reason of death, any unvested portion of the Option subject to this Agreement will vest and any unexercised portion of the Option may thereafter be exercised by the Participant&#8217;s legal representative or
                beneficiaries for a period of one (1) year from the Participant&#8217;s death.</div>
              <div style="text-align: justify;"> <br>
              </div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z85223f1b6c71401db071049a4ba212fb" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 108.3pt; vertical-align: top; text-align: right; font-weight: normal;">
              <div style="text-align: left; margin-left: 71.25pt; font-family: 'Times New Roman',Times,serif;">(ii)</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify;"><font style="font-weight: bold;">Disability</font>.&#160; In the event of the
                Participant&#8217;s Termination of Service by reason of the Participant&#8217;s Disability, any unvested portion of this Option will vest and any unexercised portion of the Option may thereafter be exercised by the Participant or the Participant&#8217;s
                legal representative for a period of one (1) year following the Termination of Service due to Disability.</div>
              <div style="text-align: justify;"> <br>
              </div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z1bcb2965ac034fa6b550abcd9b8bf8fa" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 108.3pt; vertical-align: top; text-align: right; font-weight: normal;">
              <div style="text-align: left; margin-left: 71.25pt; font-family: 'Times New Roman',Times,serif;">(iii)</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify;"><font style="font-weight: bold;">Change in Control.</font>&#160; In the event of the
                Participant&#8217;s Involuntary Termination of Service at or following a Change in Control, any unvested portion of the Option will vest and any unexercised portion of the Option may be exercised by the Participant or the Participant&#8217;s legal
                representative for a period of one (1) year following the Participant&#8217;s Involuntary Termination of Service.</div>
            </td>
          </tr>

      </table>
    </div>
    <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" class="BRPFPageNumber">2</font></div>
      <div class="BRPFPageBreak" style="page-break-after: always;">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
    </div>
    <div><br>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 108.3pt; vertical-align: top; text-align: right; font-weight: normal;">
              <div style="text-align: left; margin-left: 71.25pt; font-family: 'Times New Roman',Times,serif;">(iv)</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify;"><font style="font-weight: bold;">Termination for Cause</font><font style="font-style: italic;">.</font>&#160; In the event of the Participant&#8217;s Termination of Service for Cause, all Options subject to this Agreement that have not been exercised
                will immediately expire and be forfeited.</div>
            </td>
          </tr>

      </table>
    </div>
    <div><br>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 108.3pt; vertical-align: top; text-align: right; font-weight: normal;">
              <div style="text-align: left; margin-left: 71.25pt; font-family: 'Times New Roman',Times,serif;">(v)</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify;"><font style="font-weight: bold;">Retirement</font>.&#160; In the event of Participant&#8217;s
                Termination of Service due to&#160; Retirement, this Option may thereafter be exercised, only to the extent it was exercisable at the time of the termination for a period of one (1) year following the termination.</div>
            </td>
          </tr>

      </table>
    </div>
    <div><br>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 108.3pt; vertical-align: top; text-align: right; font-weight: normal;">
              <div style="text-align: left; margin-left: 71.25pt; font-family: 'Times New Roman',Times,serif;">(vi)</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify;"><font style="font-weight: bold;">Other Termination</font><font style="font-style: italic;">.</font>&#160; In the event of the Participant&#8217;s Termination from Service&#160; for any reason other than due to death, Disability, Retirement, Involuntary Termination at or
                following a Change in Control or for Cause, this Option may thereafter be exercised, only to the extent it was exercisable at the time of the termination and only for a period of three (3) months following the termination.</div>
            </td>
          </tr>

      </table>
    </div>
    <div><br>
    </div>
    <div style="text-align: justify; margin-left: 36pt;"><font style="font-weight: bold;">Incentive Option Treatment</font>.&#160; The
      Incentive Stock Options granted hereunder are subject to the requirements of Section 421 of the Internal Revenue Code.&#160; No Option will be eligible for treatment as an Incentive Stock Option in the event such Option is exercised more than three months
      following Termination of Service (except in the case of Termination of Service due to Disability).&#160; To obtain Incentive Stock Option treatment for Options exercised by heirs or devisees of the Participant, the Participant&#8217;s death must have occurred
      while the Participant was employed or within three months of the Participant&#8217;s Termination of Service.</div>
    <div style="text-align: justify;"><br>
      <table cellspacing="0" cellpadding="0" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 34.2pt; vertical-align: top;">11.</td>
            <td style="width: auto; vertical-align: top; text-align: justify;">
              <div><font style="font-weight: bold;">Miscellaneous.</font></div>
            </td>
          </tr>

      </table>
    </div>
    <div><br>
    </div>
    <table cellspacing="0" cellpadding="0" id="z1d20140cdba443c8b2f277060d8cf8bc" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

        <tr>
          <td style="width: 36pt;"><br>
          </td>
          <td style="width: 32.4pt; vertical-align: top;">11.1</td>
          <td style="width: auto; vertical-align: top; text-align: justify;">
            <div>No Option will confer upon the Participant any rights as a stockholder of the Company prior to the date on which the individual fulfills all conditions for receipt of
              such rights.</div>
          </td>
        </tr>

    </table>
    <div><br>
    </div>
    <table cellspacing="0" cellpadding="0" id="z77396bec11f44faf9569eb0b1da97d6b" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

        <tr>
          <td style="width: 36pt;"><br>
          </td>
          <td style="width: 32.4pt; vertical-align: top;">11.2</td>
          <td style="width: auto; vertical-align: top; text-align: justify;">
            <div>This Agreement may not be amended or otherwise modified unless evidenced in writing and signed by the Company and the Participant.</div>
          </td>
        </tr>

    </table>
    <div><br>
    </div>
    <table cellspacing="0" cellpadding="0" id="z94bf8c88568a4fc588640b3e89b16c53" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

        <tr>
          <td style="width: 36pt;"><br>
          </td>
          <td style="width: 35.3pt; vertical-align: top;">11.3</td>
          <td style="width: auto; vertical-align: top; text-align: justify;">
            <div>Except as otherwise provided by the Committee, Incentive Stock Options under the Plan are not transferable except (1) as designated by the Participant by will or by the
              laws of descent and distribution, (2) to a trust established by the Participant, or (3) between spouses incident to a divorce or pursuant to a domestic relations order, provided, however,&#160; that in the case of a transfer described under (3),
              the Option will not qualify as an Incentive Stock Option as of the day of the transfer.</div>
          </td>
        </tr>

    </table>
    <div><br>
    </div>
    <table cellspacing="0" cellpadding="0" id="z815f0fa3e5334e77a4371420088fa75d" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

        <tr>
          <td style="width: 36pt;"><br>
          </td>
          <td style="width: 35.3pt; vertical-align: top;">11.4</td>
          <td style="width: auto; vertical-align: top; text-align: justify;">
            <div>Under current tax laws, an Option that is exercised as an Incentive Stock Option is not subject to ordinary income taxes so long as it is held for the requisite holding
              period, e.g., two (2) years from the date of grant of the Option and one (1) year from the date of exercise, whichever is later.</div>
          </td>
        </tr>

    </table>
    <div><br>
    </div>
    <table cellspacing="0" cellpadding="0" id="z928acf4ba6984b758f2cc4a4e5df9fc4" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

        <tr>
          <td style="width: 36pt;"><br>
          </td>
          <td style="width: 35.3pt; vertical-align: top;">11.5</td>
          <td style="width: auto; vertical-align: top; text-align: justify;">
            <div>This Agreement will be governed by and construed in accordance with the laws of the State of New York.</div>
          </td>
        </tr>

    </table>
    <div><br>
    </div>
    <table cellspacing="0" cellpadding="0" id="z96fe4cd9af5c484d9dd6ccefec8c2d87" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

        <tr>
          <td style="width: 36pt;"><br>
          </td>
          <td style="width: 36pt; vertical-align: top;">11.6</td>
          <td style="width: auto; vertical-align: top; text-align: justify;">
            <div>The granting of this Option does not confer upon the Participant any right to be retained in the service of the Company or any subsidiary.</div>
          </td>
        </tr>

    </table>
    <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" class="BRPFPageNumber">3</font></div>
      <div class="BRPFPageBreak" style="page-break-after: always;">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
    </div>
    <table cellspacing="0" cellpadding="0" id="z095ebc9b45814020a8114e2b3d0da059" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

        <tr>
          <td style="width: 36pt;"><br>
          </td>
          <td style="width: 36pt; vertical-align: top;">11.7</td>
          <td style="width: auto; vertical-align: top; text-align: justify;">
            <div>This Option is subject to forfeiture in accordance with the provisions of Section 7.17 of the Plan or as otherwise authorized by the Company.</div>
          </td>
        </tr>

    </table>
    <div><br>
    </div>
    <div style="text-align: center; margin-bottom: 12pt; font-weight: bold;">[Signature Page to Follow]</div>
    <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" class="BRPFPageNumber">4</font></div>
      <div class="BRPFPageBreak" style="page-break-after: always;">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
    </div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;">IN WITNESS WHEREOF, the Company has caused this Agreement to be executed in its name and on its behalf as of the
      date of grant of this Option set forth above.</div>
    <div style="margin-left: 252pt; margin-bottom: 24pt; font-variant: small-caps; font-weight: bold;">CARVER BANCORP, INC.</div>
    <div style="margin: 0px 0px 0px; text-align: justify; text-indent: 254.85pt;"><font style="font-family: 'Times New Roman',Times,serif;">By:</font><font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; width: 216pt;"> _________________________</font><font style="font-family: 'Times New Roman',Times,serif;"></font></div>
    <div style="text-align: justify; text-indent: 254.85pt; margin-bottom: 12pt;"><font style="font-family: 'Times New Roman',Times,serif;">Its:</font><font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; width: 216pt;"> _________________________</font></div>
    <div style="margin-bottom: 12pt;"><br>
    </div>
    <div style="text-align: center; margin-bottom: 12pt; font-weight: bold;">PARTICIPANT&#8217;S ACCEPTANCE</div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;">The undersigned hereby accepts the foregoing Option and agrees to the terms and conditions hereof, including the
      terms and provisions of the Plan.&#160; The undersigned hereby acknowledges receipt of a copy of the Plan and related prospectus.</div>
    <div style="text-align: justify; text-indent: 0.3pt; margin-left: 253.65pt; font-weight: bold;">PARTICIPANT</div>
    <div style="text-align: justify; text-indent: 0.3pt; margin-left: 253.65pt; font-weight: bold;"> <br>
    </div>
    <div style="text-align: justify; text-indent: 0.3pt; margin-left: 253.65pt; font-weight: bold;"> <br>
    </div>
    <div style="text-align: justify; text-indent: 0.3pt; margin-left: 253.65pt; font-weight: bold;"> <br>
    </div>
    <div style="text-align: justify; text-indent: 0.3pt; margin-left: 253.65pt; font-weight: bold;">_____________________________<br>
    </div>
    <div><br>
    </div>
    <div><br>
    </div>
    <div style="text-align: justify; text-indent: 0.3pt; margin-left: 253.65pt;"><font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 214.05pt">&#160;</font><br>
    </div>
    <div><br>
    </div>
    <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" class="BRPFPageNumber">5</font></div>
      <div class="BRPFPageBreak" style="page-break-after: always;">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
    </div>
    <div style="text-align: center; margin-top: 12pt; font-weight: bold;">EXHIBIT A</div>
    <div style="text-align: center; font-weight: bold;">NOTICE OF EXERCISE OF OPTION</div>
    <div><br>
    </div>
    <div style="text-align: justify; text-indent: 36pt;">I hereby exercise the stock option (the &#8220;Option&#8221;) granted to me by Carver Bancorp, Inc. (the &#8220;Company&#8221;) or its affiliate, subject to all
      the terms and provisions set forth in the Incentive Stock Option Agreement (the &#8220;Agreement&#8221;) and the Carver Bancorp, Inc. 2024 Equity Incentive Plan (the &#8220;Plan&#8221;) referred to therein, and notify you of my desire to purchase __________________ shares
      of common stock of the Company (&#8220;Common Stock&#8221;) for a purchase price of $______ per share.</div>
    <div><br>
    </div>
    <div style="text-align: justify; text-indent: 36pt;">I elect to pay the exercise price by:</div>
    <div><br>
    </div>
    <table cellspacing="0" cellpadding="0" id="ze48b1679a45b4c8c87b02efe20a6e253" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000; margin-bottom: 12pt;">

        <tr>
          <td style="width: 36pt;"><br>
          </td>
          <td style="width: 36pt; vertical-align: top;">___</td>
          <td style="width: auto; vertical-align: top; text-align: justify;">
            <div>Cash or personal, certified or cashier&#8217;s check in the sum of $_______, in full/partial payment of the purchase price.</div>
          </td>
        </tr>

    </table>
    <table cellspacing="0" cellpadding="0" id="z5d2b35fd7da346eebadcc19a5e2d25bf" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000; margin-bottom: 12pt;">

        <tr>
          <td style="width: 36pt;"><br>
          </td>
          <td style="width: 36pt; vertical-align: top;">___</td>
          <td style="width: auto; vertical-align: top; text-align: justify;">
            <div>Stock of the Company with a fair market value of $______ in full/partial payment of the purchase price.*</div>
          </td>
        </tr>

    </table>
    <table cellspacing="0" cellpadding="0" id="zb8a8d892151946e0821ec0d6c1d01f5f" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

        <tr>
          <td style="width: 36pt;"><br>
          </td>
          <td style="width: 36pt; vertical-align: top;">___</td>
          <td style="width: auto; vertical-align: top; text-align: justify;">
            <div>My check in the sum of $_______ <u>and</u> stock of the Company with a fair market
              value of $______, in full/partial payment of the purchase price.<font style="font-weight: bold;">*</font></div>
          </td>
        </tr>

    </table>
    <div><br>
    </div>
    <table cellspacing="0" cellpadding="0" id="za44922e28a704d6aae73ec8a19ee9cb1" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000; margin-bottom: 12pt;">

        <tr>
          <td style="width: 36pt;"><br>
          </td>
          <td style="width: 36pt; vertical-align: top;">___</td>
          <td style="width: auto; vertical-align: top; text-align: justify;">
            <div>A net settlement of the Option, using a portion of the shares obtained on exercise in payment of the exercise price of the Option (and, if applicable, any minimum
              required tax withholding).</div>
          </td>
        </tr>

    </table>
    <table cellspacing="0" cellpadding="0" id="zab51ddf6bd8d4b1aa3baf1f0fe2d230a" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000; margin-bottom: 12pt;">

        <tr>
          <td style="width: 36pt;"><br>
          </td>
          <td style="width: 36pt; vertical-align: top;">___</td>
          <td style="width: auto; vertical-align: top; text-align: justify;">
            <div>Selling ______ shares from my Option shares through a broker in full/partial payment of the purchase price.</div>
          </td>
        </tr>

    </table>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;">I understand that after this exercise, ____________ shares of Common Stock remain subject to the Option, subject to
      all terms and provisions set forth in the Agreement and the Plan.</div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;">I hereby represent that it is my intention to acquire these shares for the following purpose:</div>
    <div style="text-align: justify; text-indent: 36pt;">___<font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt">&#160;</font>investment</div>
    <div style="text-align: justify; text-indent: 36pt;">___<font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt">&#160;</font>resale or distribution</div>
    <div><br>
    </div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;">Please note: if your intention is to resell (or distribute within the meaning of Section 2(11) of the Securities
      Act of 1933) the shares you acquire through this Option exercise, the Company or transfer agent may require an opinion of counsel that such resale or distribution would not violate the Securities Act of 1933 prior to your exercise of such Option.</div>
    <div style="text-align: justify;">Date: ____________, _____.&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; _________________________________________</div>
    <div style="text-align: justify; text-indent: 216pt;">Participant&#8217;s signature</div>
    <div><br>
    </div>
    <div style="text-align: justify; margin-bottom: 12pt;">*<font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt">&#160;</font>If I elect to exercise by exchanging shares I already own, I will <u>constructively</u>
        return shares that I already own to purchase the new option shares.&#160; If my shares are in certificate form, I must attach a separate statement indicating the certificate number of the shares I am treating as having exchanged.&#160; If the shares are held
        in &#8220;street name&#8221; by a registered broker, I must provide the Company with a notarized statement attesting to the number of shares owned that will be treated as having been exchanged.&#160; I will keep the shares that I already own and treat them as if
        they are shares acquired by the option exercise.&#160; In addition, I will receive additional shares equal to the difference between the shares I constructively exchange and the total new option shares that I acquire.</div>
  </div>
  <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" class="BRPFPageNumber">6</font></div>
</body>
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</DOCUMENT>
<DOCUMENT>
<TYPE>EX-10.3
<SEQUENCE>4
<FILENAME>ex10-3_s8080525.htm
<DESCRIPTION>FORM OF NON-STATUTORY STOCK OPTION AWARD AGREEMENT FOR THE CARVER BANCORP, INC. 2024 EQUITY INCENTIVE PLAN
<TEXT>
<html>
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    <title></title>
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  <div style="text-align: right;"><font style="font-weight: bold;">EXHIBIT 10.3</font><br>
  </div>
  <div><br>
  </div>
  <div><br>
  </div>
  <div>
    <div style="text-align: center; font-weight: bold;">FORM OF</div>
    <div><br>
    </div>
    <div style="text-align: center; font-weight: bold;">NON-QUALIFIED STOCK OPTION AWARD AGREEMENT</div>
    <div><br>
    </div>
    <div style="text-align: center;">Granted by</div>
    <div><br>
    </div>
    <div style="text-align: center; font-variant: small-caps; font-weight: bold;">CARVER BANCORP, INC.</div>
    <div><br>
    </div>
    <div style="text-align: center;">under the</div>
    <div><br>
    </div>
    <div style="text-align: center; font-weight: bold;">CARVER BANCORP, INC.</div>
    <div style="text-align: center; font-weight: bold;">2024 EQUITY INCENTIVE PLAN</div>
    <div><br>
    </div>
    <div style="text-align: justify; text-indent: 36pt;">This Non-Qualified Stock Option Award Agreement (&#8220;<font style="font-weight: bold;">Option</font>&#8221; or &#8220;<font style="font-weight: bold;">Agreement</font>&#8221;) is and will be subject in every respect to the provisions of the 2024 Equity Incentive Plan
      (the &#8220;<font style="font-weight: bold;">Plan</font>&#8221;) of Carver Bancorp, Inc. (the &#8220;<font style="font-weight: bold;">Company</font>&#8221;),
      which are incorporated herein by reference and made a part hereof, subject to the provisions of this Agreement.&#160; A copy of the Plan and related prospectus have been provided to each person granted a stock option pursuant to the Plan.&#160; The holder of
      this Option (the &#8220;<font style="font-weight: bold;">Participant</font>&#8221;) hereby accepts this Option, subject to all the terms and provisions of the Plan and this Agreement and agrees that
      all decisions under and interpretations of the Plan and this Agreement by the committee appointed to administer the Plan (the &#8220;<font style="font-weight: bold;">Committee</font>&#8221;) or the
      Board of Directors will be final, binding and conclusive upon the Participant and the Participant&#8217;s heirs, legal representatives, successors and permitted assigns.&#160; Except where the context otherwise requires, the term &#8220;Company&#8221; includes the parent
      and all present and future subsidiaries of the Company as defined in Section 424(e) and 424(f) of the Internal Revenue Code of 1986, as amended from time to time (the &#8220;<font style="font-weight: bold;">Code</font>&#8221;).&#160; Capitalized terms used herein but not defined will have the same meaning as in the Plan.</div>
    <div style="text-align: justify; text-indent: 36pt;"> <br>
    </div>
    <div style="text-align: justify; font-family: 'Times New Roman',Times,serif;">
      <table cellspacing="0" cellpadding="0" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 37.05pt; vertical-align: top; text-align: right;">
              <div style="text-align: left;">1.</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; font-family: 'Times New Roman',Times,serif;"><font style="font-family: 'Times New Roman', Times, serif;"><font style="font-weight: bold;">Name of Participant</font>:________________</font></div>
            </td>
          </tr>

      </table>
    </div>
    <div style="text-align: justify; text-indent: 36pt;"> <br>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 37.05pt; vertical-align: top; text-align: right;">
              <div style="text-align: left;">2.</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; font-family: 'Times New Roman',Times,serif;"><font style="font-family: 'Times New Roman', Times, serif;"><font style="font-weight: bold;">Date of Grant</font>: ____________</font></div>
            </td>
          </tr>

      </table>
      <font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 12pt"></font></div>
    <div><br>
      </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z9229192052104c21b351620980ea6d0c" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 37.05pt; vertical-align: top; text-align: right;">
              <div style="text-align: left;">3.</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; font-family: 'Times New Roman',Times,serif;"><font style="font-weight: bold;">Total number of shares of Company
                  common stock, $0.01 par value per share, that may be acquired pursuant to this Option</font>:_________________</div>
              <div style="text-align: justify; font-family: 'Times New Roman',Times,serif;">(subject to adjustment pursuant to Section 9 hereof). </div>
            </td>
          </tr>

      </table>
    </div>
    <div style="text-align: justify; margin-left: 37.05pt;"><br>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z7b6adce3b57d4ca2beecb8834906ec1c" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 90pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 72pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div>This is a Non-Qualified Stock Option.</div>
            </td>
          </tr>

      </table>
    </div>
    <div><br>
      <table cellspacing="0" cellpadding="0" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 37.05pt; vertical-align: top; text-align: right;">
              <div style="text-align: left;">4.</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; font-family: 'Times New Roman',Times,serif;"><font style="font-family: 'Times New Roman', Times, serif;"><font style="font-weight: bold;">Exercise price per share: </font>$ _______</font><br>
                (subject to adjustment pursuant to Section 9 below)</div>
            </td>
          </tr>

      </table>
    </div>
    <br>
    <table cellspacing="0" cellpadding="0" id="z9889dd0b2fd743349fcee344adbb0e9a" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

        <tr>
          <td style="width: 36pt; vertical-align: top;">5.</td>
          <td style="width: auto; vertical-align: top; text-align: justify;">
            <div><font style="font-weight: bold;">Expiration Date of Option: </font>___________.&#160; Notwithstanding
              anything in this Agreement to the contrary, no part of this Option may be exercised at any time on or after the expiration date.</div>
            <div> <br>
            </div>
          </td>
        </tr>

    </table>
    <table cellspacing="0" cellpadding="0" id="z68c844ea1f6242bfa0d2dd14ba3114a4" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

        <tr>
          <td style="width: 34.2pt; vertical-align: top;">6.</td>
          <td style="width: auto; vertical-align: top; text-align: justify;">
            <div><font style="font-weight: bold;">Vesting Schedule</font>.&#160; Unless sooner vested in accordance with the
              terms of the Plan and this Agreement, the Option granted hereunder will vest (i.e., become exercisable) in accordance with the following schedule:</div>
          </td>
        </tr>

    </table>
    <div style="text-align: justify; text-indent: 35.3pt; margin-left: 36.7pt;"><u> <br>
        </u></div>
    <div style="text-align: justify; text-indent: 35.3pt; margin-left: 36.7pt;"><u>Vesting Date</u><font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 216pt">&#160;</font><u>Number of Shares Exercisable</u></div>
    <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" class="BRPFPageNumber">1</font></div>
      <div class="BRPFPageBreak" style="page-break-after: always;">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
    </div>
    <div style="text-align: justify; margin-left: 37.05pt;">As set forth in Section 10 of this Agreement, vesting will automatically accelerate pursuant to Sections 2.7 and 4.1 of the Plan in
      the event of death or Disability or an Involuntary Termination of Service at or following a Change in Control.</div>
    <div style="text-align: justify; margin-left: 37.05pt;"> <br>
    </div>
    <table cellspacing="0" cellpadding="0" id="z4dbc16b2161943bb9de553db4cae1ae1" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

        <tr>
          <td style="width: 36pt; vertical-align: top;">7.</td>
          <td style="width: auto; vertical-align: top; text-align: justify;">
            <div><font style="font-weight: bold;">Exercise Procedure and Delivery of Notice of Exercise of Option</font>.&#160;
              This Option may be exercised in whole or in part by the Participant&#8217;s delivery to the Company of written notice (the &#8220;<font style="font-weight: bold;">Notice of Exercise of Option</font>&#8221;
              attached hereto as Exhibit A or as otherwise acceptable to the Company) setting forth the number of shares with respect to which this Option is to be exercised, together with payment by cash or other means acceptable to the Committee, in
              accordance with Section 2.2(b) of the Plan.</div>
            <div> <br>
            </div>
          </td>
        </tr>

    </table>
    <table cellspacing="0" cellpadding="0" id="z8194bef74b864264bb138f8716d7f1da" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

        <tr>
          <td style="width: 36pt; vertical-align: top;">8.</td>
          <td style="width: auto; vertical-align: top; text-align: justify;">
            <div><font style="font-weight: bold;">Delivery of Shares.&#160; </font>Delivery of shares of Stock upon the
              exercise of this Option will comply with all applicable laws (including the requirements of the Securities Act) and the applicable requirements of any securities exchange or similar entity.</div>
          </td>
        </tr>

    </table>
    <div style="text-align: justify;"><br>
      <table cellspacing="0" cellpadding="0" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 36pt; vertical-align: top;">9.</td>
            <td style="width: auto; vertical-align: top; text-align: justify;">
              <div><font style="font-weight: bold;"><font style="font-weight: bold;">Adjustment Provisions.</font>&#160;&#160;</font>
                <div><br>
                </div>
                <div>This Option, including the number of shares subject to the Option and the exercise price, will be adjusted upon the occurrence of the events specified in, and in accordance with the provisions of, Section 3.4 of the Plan.</div>
              </div>
            </td>
          </tr>

      </table>
      <br>
    </div>
    <table cellspacing="0" cellpadding="0" id="z9ecb828d0fc749fa899c874b257fa9f6" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

        <tr>
          <td style="width: 36pt; vertical-align: top;">10.</td>
          <td style="width: auto; vertical-align: top; text-align: justify;">
            <div><font style="font-weight: bold;">Accelerated Vesting and Exercisability Period</font>.&#160; Notwithstanding
              the vesting schedule set forth in Section 6 of this Agreement, the vesting and exercisability of this Option upon a Termination of Service in certain events will be as follows:</div>
            <div> <br>
            </div>
          </td>
        </tr>

    </table>
    <div>
      <table cellspacing="0" cellpadding="0" id="z8d1e3e7bbdcd4cd4995ad8f5c2965a8c" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 108.3pt; vertical-align: top; text-align: right; font-weight: normal;">
              <div style="text-align: left; margin-left: 71.25pt; font-family: 'Times New Roman',Times,serif;">(i)</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify;"><font style="font-weight: bold;">Death</font>.&#160; In the event of the Participant&#8217;s
                Termination of Service by reason of death, any unvested portion of the Option subject to this Agreement will vest and any unexercised portion of the Option may thereafter be exercised by the Participant&#8217;s legal representative or
                beneficiaries for a period of one (1) year from the Participant&#8217;s death.</div>
              <div style="text-align: justify;"> <br>
              </div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z176a2d3c76044aad98a170b0cd0e3e3f" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 108.3pt; vertical-align: top; text-align: right; font-weight: normal;">
              <div style="text-align: left; margin-left: 71.25pt; font-family: 'Times New Roman',Times,serif;">(ii)</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify;"><font style="font-weight: bold;">Disability</font>.&#160; In the event of the
                Participant&#8217;s Termination of Service by reason of the Participant&#8217;s Disability, any unvested portion of this Option will vest and any unexercised portion of the Option may thereafter be exercised by the Participant or the Participant&#8217;s
                legal representative for a period of one (1) year following the Termination of Service due to Disability.</div>
              <div style="text-align: justify;"> <br>
              </div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="zb439da3367fd49c68510fc5462aa15f6" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 108.3pt; vertical-align: top; text-align: right; font-weight: normal;">
              <div style="text-align: left; margin-left: 71.25pt; font-family: 'Times New Roman',Times,serif;">(iii)</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify;"><font style="font-weight: bold;">Change in Control</font>.&#160; In the event of the
                Participant&#8217;s Involuntary Termination of Service at or following a Change in Control, any unvested portion of the Option will vest and any unexercised portion of the Option may be exercised by the Participant or the Participant&#8217;s legal
                representative for a period of one (1) year following the Participant&#8217;s Involuntary Termination of Service.</div>
            </td>
          </tr>

      </table>
    </div>
    <div><br>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z1e340e0ec54040beb78c64233d2a198d" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 108pt; vertical-align: top; text-align: right; font-weight: normal;">
              <div style="text-align: left; margin-left: 72pt; font-family: 'Times New Roman',Times,serif;">(iv)</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify;"><font style="font-weight: bold;">Termination for Cause</font>.&#160; In the event of
                the Participant&#8217;s Termination of Service for Cause, all Options subject to this Agreement that have not been exercised will immediately expire and be forfeited.</div>
            </td>
          </tr>

      </table>
    </div>
    <div><br>
    </div>
    <table cellspacing="0" cellpadding="0" id="z6e4cc64bbda94d32936296a3288ce314" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

        <tr>
          <td style="width: 72pt;"><br>
          </td>
          <td style="width: 36pt; vertical-align: top;">(v)</td>
          <td style="width: auto; vertical-align: top; text-align: justify;">
            <div><font style="font-weight: bold;">Retirement</font>.&#160; In the event of Participant&#8217;s Termination of Service
              due to Retirement, this Option may thereafter be exercised, only to the extent it was exercisable at the time of the termination for a period of one (1) year following the termination.</div>
          </td>
        </tr>

    </table>
    <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" class="BRPFPageNumber">2</font></div>
      <div class="BRPFPageBreak" style="page-break-after: always;">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
    </div>
    <table cellspacing="0" cellpadding="0" id="z85a65af4deec48ada384a1a4bc29b97d" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

        <tr>
          <td style="width: 72pt;"><br>
          </td>
          <td style="width: 36pt; vertical-align: top; font-family: 'Times New Roman',Times,serif;">(vi)</td>
          <td style="width: auto; vertical-align: top; text-align: justify;">
            <div style="font-family: 'Times New Roman',Times,serif;"><font style="font-weight: bold;">Other Termination</font><font style="font-style: italic;">.</font>&#160; In the event of the Participant&#8217;s Termination from Service for any reason other than due to death, Disability, Retirement, Involuntary Termination at or following a Change in Control
              or for Cause, this Option may thereafter be exercised, only to the extent it was exercisable at the time of the termination and only for a period of three (3) months following the termination.</div>
          </td>
        </tr>

    </table>
    <div><br>
    </div>
    <div style="text-align: justify;">11.<font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt">&#160;</font><font style="font-weight: bold;">Miscellaneous.</font></div>
    <div><br>
    </div>
    <table cellspacing="0" cellpadding="0" id="z02ea395b68a6486fb568167bc1b218ff" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

        <tr>
          <td style="width: 36pt;"><br>
          </td>
          <td style="width: 32.4pt; vertical-align: top;">11.1</td>
          <td style="width: auto; vertical-align: top; text-align: justify;">
            <div>No Option will confer upon the Participant any rights as a stockholder of the Company prior to the date on which the individual fulfills all conditions for receipt of
              such rights.</div>
          </td>
        </tr>

    </table>
    <div><br>
    </div>
    <table cellspacing="0" cellpadding="0" id="za332e50349e1409886749ef3312437b2" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

        <tr>
          <td style="width: 36pt;"><br>
          </td>
          <td style="width: 32.4pt; vertical-align: top;">11.2</td>
          <td style="width: auto; vertical-align: top; text-align: justify;">
            <div>This Agreement may not be amended or otherwise modified unless evidenced in writing and signed by the Company and the Participant.</div>
          </td>
        </tr>

    </table>
    <div><br>
    </div>
    <table cellspacing="0" cellpadding="0" id="z029026acd5a74bcf854695639c19b80c" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

        <tr>
          <td style="width: 36pt;"><br>
          </td>
          <td style="width: 35.3pt; vertical-align: top;">11.3</td>
          <td style="width: auto; vertical-align: top; text-align: justify;">
            <div>At the discretion of the Committee, a Non-Qualified Option granted under the Plan may be transferable by the Participant, provided, however, that transfers will be
              limited to Immediate Family Members of Participants, trusts and partnerships established for the primary benefit of such family members or to charitable organizations, and provided, further, that the transfers are not made for consideration
              to the Participant.</div>
          </td>
        </tr>

    </table>
    <div><br>
    </div>
    <table cellspacing="0" cellpadding="0" id="zc086fba9784c4bedb9b8451144619959" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

        <tr>
          <td style="width: 36pt;"><br>
          </td>
          <td style="width: 35.3pt; vertical-align: top;">11.4</td>
          <td style="width: auto; vertical-align: top; text-align: justify;">
            <div>This Agreement will be governed by and construed in accordance with the laws of the State of New York.</div>
          </td>
        </tr>

    </table>
    <div><br>
    </div>
    <table cellspacing="0" cellpadding="0" id="z164ee2bccbbc450692935fe6f75cda78" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

        <tr>
          <td style="width: 36pt;"><br>
          </td>
          <td style="width: 36pt; vertical-align: top; font-family: 'Times New Roman',Times,serif;">11.5</td>
          <td style="width: auto; vertical-align: top; text-align: justify;">
            <div>This Option will be subject to any required federal, state and local tax withholding, which may be affected in the manner or manners permitted by the Company.</div>
            <div> <br>
            </div>
          </td>
        </tr>

    </table>
    <table cellspacing="0" cellpadding="0" id="z9c32459ce5f646d6b4a10843c7594872" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

        <tr>
          <td style="width: 36pt;"><br>
          </td>
          <td style="width: 36pt; vertical-align: top;">11.6</td>
          <td style="width: auto; vertical-align: top; text-align: justify;">
            <div>The granting of this Option does not confer upon the Participant any right to be retained in the service of the Company or any subsidiary.</div>
          </td>
        </tr>

    </table>
    <div><br>
    </div>
    <table cellspacing="0" cellpadding="0" id="z64b87e2d9b7945c1b853dcf33ca8c2eb" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

        <tr>
          <td style="width: 36pt;"><br>
          </td>
          <td style="width: 36pt; vertical-align: top;">11.7</td>
          <td style="width: auto; vertical-align: top; text-align: justify;">
            <div>This Option is subject to forfeiture in accordance with the provisions of Section 7.17 of the Plan or as otherwise authorized by the Company.</div>
          </td>
        </tr>

    </table>
    <div><br>
    </div>
    <div style="text-align: center; font-weight: bold;">[Signature Page to Follow]</div>
    <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" class="BRPFPageNumber">3</font></div>
      <div class="BRPFPageBreak" style="page-break-after: always;">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
    </div>
    <div style="text-indent: 36pt; margin-bottom: 12pt;">IN WITNESS WHEREOF, the Company has caused this Agreement to be executed in its name and on its behalf as of the date
      of grant of this Option set forth above.</div>
    <div style="margin-left: 252pt; margin-bottom: 24pt; font-variant: small-caps; font-weight: bold;">CARVER BANCORP, INC.</div>
    <div style="margin: 0px 0px 0px; text-align: justify; text-indent: 254.85pt;">By:___________________________<font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; width: 216pt;"> </font></div>
    <div style="text-align: justify; text-indent: 254.85pt; margin-bottom: 12pt;">Its:<font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; width: 216pt;"> ___________________________</font></div>
    <div style="margin-bottom: 12pt;"><br>
    </div>
    <div style="text-align: center; margin-bottom: 12pt; font-weight: bold;">PARTICIPANT&#8217;S ACCEPTANCE</div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;">The undersigned hereby accepts the foregoing Option and agrees to the terms and conditions hereof, including the
      terms and provisions of the Plan.&#160; The undersigned hereby acknowledges receipt of a copy of the Plan and related prospectus.</div>
    <div style="text-align: justify; text-indent: 0.3pt; margin-left: 253.65pt; font-weight: bold;">PARTICIPANT</div>
    <div style="text-align: justify; text-indent: 0.3pt; margin-left: 253.65pt; font-weight: bold;"> <br>
    </div>
    <div style="text-align: justify; text-indent: 0.3pt; margin-left: 253.65pt; font-weight: bold;"> <br>
    </div>
    <div style="text-align: justify; text-indent: 0.3pt; margin-left: 253.65pt; font-weight: bold;"> <br>
    </div>
    <div style="text-align: justify; text-indent: 0.3pt; margin-left: 253.65pt; font-weight: bold;">_____________________________<br>
    </div>
    <div><br>
    </div>
    <div><br>
    </div>
    <div style="text-align: justify; text-indent: 0.3pt; margin-left: 253.65pt;"><font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 214.05pt">&#160;</font><br>
    </div>
    <div><br>
    </div>
    <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" class="BRPFPageNumber">4</font></div>
      <div class="BRPFPageBreak" style="page-break-after: always;">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
    </div>
    <div style="text-align: center; margin-top: 12pt; font-weight: bold;">EXHIBIT A</div>
    <div style="text-align: center; font-weight: bold;">NOTICE OF EXERCISE OF OPTION</div>
    <div><br>
    </div>
    <div style="text-align: justify; text-indent: 36pt;">I hereby exercise the stock option (the &#8220;Option&#8221;) granted to me by Carver Bancorp, Inc. (the &#8220;Company&#8221;) or its affiliate, subject to all
      the terms and provisions set forth in the Non-Qualified Stock Option Agreement (the &#8220;Agreement&#8221;) and the Carver Bancorp, Inc. 2024 Equity Incentive Plan (the &#8220;Plan&#8221;) referred to therein, and notify you of my desire to purchase __________________
      shares of common stock of the Company (&#8220;Common Stock&#8221;) for a purchase price of $______ per share.</div>
    <div><br>
    </div>
    <div style="text-align: justify; text-indent: 36pt;">I elect to pay the exercise price by:</div>
    <div><br>
    </div>
    <table cellspacing="0" cellpadding="0" id="z0cf52d25163b4d8abe0ecdc3e8137b39" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000; margin-bottom: 12pt;">

        <tr>
          <td style="width: 36pt;"><br>
          </td>
          <td style="width: 36pt; vertical-align: top;">___</td>
          <td style="width: auto; vertical-align: top; text-align: justify;">
            <div>Cash or personal, certified or cashier&#8217;s check in the sum of $_______, in full/partial payment of the purchase price.</div>
          </td>
        </tr>

    </table>
    <table cellspacing="0" cellpadding="0" id="zf50bd6a11b1d41c5983114f1414ddc53" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000; margin-bottom: 12pt;">

        <tr>
          <td style="width: 36pt;"><br>
          </td>
          <td style="width: 36pt; vertical-align: top;">___</td>
          <td style="width: auto; vertical-align: top; text-align: justify;">
            <div>Stock of the Company with a fair market value of $______ in full/partial payment of the purchase price.*</div>
          </td>
        </tr>

    </table>
    <table cellspacing="0" cellpadding="0" id="z3ea4f35b3fb8411eb4135bb6fb3ca8bf" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

        <tr>
          <td style="width: 36pt;"><br>
          </td>
          <td style="width: 36pt; vertical-align: top;">___</td>
          <td style="width: auto; vertical-align: top; text-align: justify;">
            <div>My check in the sum of $_______ <u>and</u> stock of the Company with a fair market
              value of $______, in full/partial payment of the purchase price.<font style="font-weight: bold;">*</font></div>
          </td>
        </tr>

    </table>
    <div><br>
    </div>
    <table cellspacing="0" cellpadding="0" id="zb24e35de5fd84c16830c272adc3e4348" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000; margin-bottom: 12pt;">

        <tr>
          <td style="width: 36pt;"><br>
          </td>
          <td style="width: 36pt; vertical-align: top;">___</td>
          <td style="width: auto; vertical-align: top; text-align: justify;">
            <div>A net settlement of the Option, using a portion of the shares obtained on exercise in payment of the exercise price of the Option (and, if applicable, any minimum
              required tax withholding).</div>
          </td>
        </tr>

    </table>
    <table cellspacing="0" cellpadding="0" id="zfa2e12caeb8f4108aa08921560f93bc8" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000; margin-bottom: 12pt;">

        <tr>
          <td style="width: 36pt;"><br>
          </td>
          <td style="width: 36pt; vertical-align: top;">___</td>
          <td style="width: auto; vertical-align: top; text-align: justify;">
            <div>Selling&#160; ______ shares from my Option shares through a broker in full/partial payment of the purchase price.</div>
          </td>
        </tr>

    </table>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;">I understand that after this exercise, ____________ shares of Common Stock remain subject to the Option, subject to
      all terms and provisions set forth in the Agreement and the Plan.</div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;">I hereby represent that it is my intention to acquire these shares for the following purpose:</div>
    <div style="text-align: justify; text-indent: 36pt;">___<font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt">&#160;</font>investment</div>
    <div style="text-align: justify; text-indent: 36pt;">___<font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt">&#160;</font>resale or distribution</div>
    <div><br>
    </div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;">Please note: if your intention is to resell (or distribute within the meaning of Section 2(11) of the Securities
      Act of 1933) the shares you acquire through this Option exercise, the Company or transfer agent may require an opinion of counsel that such resale or distribution would not violate the Securities Act of 1933 prior to your exercise of such Option.</div>
    <div style="text-align: justify;">Date: ____________, _____.&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; _________________________________________</div>
    <div style="text-align: justify; text-indent: 216pt;">Participant&#8217;s signature</div>
    <div><br>
    </div>
    <div style="text-align: justify; margin-bottom: 12pt;">*<font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt">&#160;</font>If I elect to exercise by exchanging shares I already own, I will constructively return shares that I already own to purchase the new option shares.&#160; If my shares are in
        certificate form, I must attach a separate statement indicating the certificate number of the shares I am treating as having exchanged.&#160; If the shares are held in &#8220;street name&#8221; by a registered broker, I must provide the Company with a notarized
        statement attesting to the number of shares owned that will be treated as having been exchanged.&#160; I will keep the shares that I already own and treat them as if they are shares acquired by the option exercise.&#160; In addition, I will receive
        additional shares equal to the difference between the shares I constructively exchange and the total new option shares that I acquire.</div>
  </div>
  <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" class="BRPFPageNumber">5</font></div>
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</DOCUMENT>
<DOCUMENT>
<TYPE>EX-10.4
<SEQUENCE>5
<FILENAME>ex10-4_s8080525.htm
<DESCRIPTION>FORM OF RESTRICTED STOCK UNIT AWARD AGREEMENT FOR THE CARVER BANCORP, INC. 2024 EQUITY INCENTIVE PLAN
<TEXT>
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    <title></title>
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  <div style="text-align: right;"><font style="font-weight: bold;">EXHIBIT 10.4</font><br>
  </div>
  <div><br>
    <br>
    <div style="text-align: center; font-weight: bold;">FORM OF</div>
    <div><br>
    </div>
    <div style="text-align: center; font-weight: bold;">RESTRICTED STOCK AWARD AGREEMENT</div>
    <div><br>
    </div>
    <div style="text-align: center;">Granted by</div>
    <div><br>
    </div>
    <div style="text-align: center; font-variant: small-caps; font-weight: bold;">CARVER BANCORP, INC.</div>
    <div><br>
    </div>
    <div style="text-align: center;">under the</div>
    <div><br>
    </div>
    <div style="text-align: center; font-weight: bold;">CARVER BANCORP, INC.</div>
    <div style="text-align: center; font-weight: bold;">2024 EQUITY INCENTIVE PLAN</div>
    <div><br>
    </div>
    <div style="text-align: justify; text-indent: 36pt;">This Restricted Stock Award Agreement (&#8220;<font style="font-weight: bold;">Restricted
        Stock Award</font>&#8221; or &#8220;<font style="font-weight: bold;">Agreement</font>&#8221;) is and will be subject in every respect to the provisions of the 2024 Equity Incentive Plan (the &#8220;<font style="font-weight: bold;">Plan</font>&#8221;) of Carver Bancorp, Inc. (the &#8220;<font style="font-weight: bold;">Company</font>&#8221;)
      which are incorporated herein by reference and made a part hereof, subject to the provisions of this Agreement.&#160; A copy of the Plan and related prospectus have been provided or made available to each person granted a Restricted Stock Award pursuant
      to the Plan.&#160; The holder of this Restricted Stock Award (the &#8220;<font style="font-weight: bold;">Participant</font>&#8221;) hereby accepts this Restricted Stock Award, subject to all the terms
      and provisions of the Plan and this Agreement, and agrees that all decisions under and interpretations of the Plan and this Agreement by the committee appointed to administer the Plan (the &#8220;<font style="font-weight: bold;">Committee</font>&#8221;) or the Board of Directors will be final, binding and conclusive upon the Participant and the Participant&#8217;s heirs, legal representatives, successors and permitted assigns.&#160; Except where
      the context otherwise requires, the term &#8220;Company&#8221; will include the parent and all present and future subsidiaries of the Company as defined in Section 424(e) and 424(f) of the Internal Revenue Code of 1986, as amended from time to time (the &#8220;<font style="font-weight: bold;">Code</font>&#8221;).&#160; Capitalized terms used herein but not defined will have the same meaning as in the Plan.</div>
    <div style="text-align: justify; text-indent: 36pt;"> <br>
    </div>
    <div style="text-align: justify; font-family: 'Times New Roman',Times,serif;">
      <table cellspacing="0" cellpadding="0" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 37.05pt; vertical-align: top; text-align: right;">
              <div style="text-align: left;">1.</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; font-family: 'Times New Roman',Times,serif;"><font style="font-weight: bold;"><font style="font-family: 'Times New Roman', Times, serif; font-weight: bold;">Name of Participant:</font>&#160; &#160; </font>_____________</div>
            </td>
          </tr>

      </table>
    </div>
    <div style="text-align: justify; text-indent: 36pt;"> <br>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 37.05pt; vertical-align: top; text-align: right;">
              <div style="text-align: left;">2.</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; font-family: 'Times New Roman',Times,serif;"><font style="font-family: 'Times New Roman', Times, serif; font-weight: bold;">Date of Grant</font><font style="font-family: 'Times New Roman', Times, serif;">:</font> _____________________</div>
            </td>
          </tr>

      </table>
    </div>
    <div><font style="font-weight: bold;"> <br>
      </font></div>
    <font style="font-size: 1px;"><font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; width: 36pt;">&#160;</font></font>
    <div>
      <table cellspacing="0" cellpadding="0" id="z605fd9840325483b8bf62e0654e03cf9" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 37.05pt; vertical-align: top; text-align: right;">
              <div style="text-align: left;">3.</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; font-family: 'Times New Roman',Times,serif;"><font style="font-weight: bold;">Total number of shares of Company
                  common stock, $0.01 par value per share, covered by the Restricted Stock Award:&#160; &#160; </font>_____________</div>
              <div style="text-align: justify; font-family: 'Times New Roman',Times,serif;"> <br>
              </div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="zaf1f279511444dfa95a557a9736ca18f" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 37.05pt; vertical-align: top; text-align: right;">
              <div style="text-align: left;">4.</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; font-family: 'Times New Roman',Times,serif;"><font style="font-weight: bold;">Vesting Schedule</font>.&#160; Except
                as otherwise provided in the Plan and this Agreement, this Restricted Stock Award first becomes earned in accordance with the vesting schedule specified herein.</div>
            </td>
          </tr>

      </table>
    </div>
    <div><br>
    </div>
    <div style="text-indent: 36pt; margin-left: 72pt;"><u>Date</u><font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 144pt">&#160;</font><u>Number of Shares Vested</u></div>
    <div><br>
    </div>
    <div><br>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 37.05pt; vertical-align: top; text-align: right;">
              <div style="text-align: left;"><br>
              </div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; font-family: 'Times New Roman',Times,serif;">Vesting will automatically accelerate pursuant to Sections 2.7 and 4.1 of the Plan (in the event of death, Disability or an Involuntary
                Termination at or following a Change in Control).</div>
            </td>
          </tr>

      </table>
    </div>
    <div style="text-align: justify; margin-left: 37.05pt;"><br>
    </div>
    <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" class="BRPFPageNumber">1</font></div>
      <div class="BRPFPageBreak" style="page-break-after: always;">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
    </div>
    <div style="text-align: justify;"><br>
      <table cellspacing="0" cellpadding="0" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 37.05pt; vertical-align: top;">5.</td>
            <td style="width: auto; vertical-align: top; text-align: justify;">
              <div><font style="font-weight: bold;">Grant of Restricted Stock Award</font>.</div>
              <div> <br>
                </div>
              <div style="font-family: 'Times New Roman',Times,serif;">
                <div>The Restricted Stock Award will be in the form of issued and outstanding shares of Stock. The shares of Restricted Stock may be evidenced in such manner as the Committee determines, including electronically and/or solely on the books and records maintained by the transfer agent.</div>
                <div> <br>
                  </div>
                <div>If certificated, the certificates evidencing the Restricted Stock Award will bear a legend restricting the transferability of the
                  Restricted Stock.&#160; The Restricted Stock awarded to the Participant will not be sold, encumbered hypothecated or otherwise transferred except in accordance with the terms of the Plan and this Agreement.</div>
                <font style="font-family: 'Times New Roman', Times, serif;"> </font></div>
            </td>
          </tr>

      </table>
    </div>
    <br>
    <table cellspacing="0" cellpadding="0" id="z8fbb894e9f294a07b8b50008d4e64418" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

        <tr>
          <td style="width: 37.05pt; vertical-align: top;">6.</td>
          <td style="width: auto; vertical-align: top; text-align: justify;">
            <div><font style="font-weight: bold;">Terms and Conditions</font>.</div>
            <div> <br>
            </div>
          </td>
        </tr>

    </table>
    <table cellspacing="0" cellpadding="0" id="zbeb6a9f284144242a6235cbe304ff714" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

        <tr>
          <td style="width: 34.95pt;"><br>
          </td>
          <td style="width: 37.05pt; vertical-align: top;">6.1</td>
          <td style="width: auto; vertical-align: top; text-align: justify;">
            <div>The Participant will have the right to vote the shares of Restricted Stock awarded hereunder on matters that require shareholder vote.</div>
            <div> <br>
            </div>
          </td>
        </tr>

    </table>
    <table cellspacing="0" cellpadding="0" id="z5937664a983547a1b0bcde957c1425dc" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

        <tr>
          <td style="width: 36pt;"><br>
          </td>
          <td style="width: 31.5pt; vertical-align: top;">6.2</td>
          <td style="width: auto; vertical-align: top; text-align: justify;">
            <div>Any cash dividends or distributions declared with respect to shares of Stock subject to the Restricted Stock Award will be retained and distributed to the Participant
              after the Restricted Stock vests.&#160; If the Restricted Stock does not vest, the Participant will forfeit the dividends.&#160; Any stock dividends declared and paid with respect to shares of Stock subject to this Restricted Stock Award will be issued
              and be subject to the same restrictions and the same vesting schedule as the underlying share of Restricted Stock on which the dividend was declared.</div>
          </td>
        </tr>

    </table>
    <div style="text-align: justify; margin-left: 37.05pt;"> <br>
    </div>
    <div style="text-align: justify; font-family: 'Times New Roman',Times,serif;">
      <table cellspacing="0" cellpadding="0" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 37.05pt; vertical-align: top;">7.</td>
            <td style="width: auto; vertical-align: top; text-align: justify;">
              <div><font style="font-weight: bold;">Delivery of Shares</font>.</div>
              <div> <br>
              </div>
              <div>Delivery of shares of Stock under this Restricted Stock Award will comply with all applicable laws (including, the requirements of the Securities Act), and the
                applicable requirements of any securities exchange or similar entity. </div>
            </td>
          </tr>

      </table>
    </div>
    <div style="text-align: justify; margin-left: 37.05pt;"><br>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 36pt; vertical-align: top;">8.</td>
            <td style="width: auto; vertical-align: top; text-align: justify;">
              <div><font style="font-weight: bold;">Adjustment Provisions</font>.</div>
              <div> <br>
                </div>
              <div>This Restricted Stock Award, including the number of shares subject to the Restricted Stock Award, will be adjusted upon the occurrence of the events specified in,
                and in accordance with the provisions of, Section 3.4 of the Plan.</div>
            </td>
          </tr>

      </table>
    </div>
    <br>
    <table cellspacing="0" cellpadding="0" id="z93cb00babd0b4688abd633105182769b" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

        <tr>
          <td style="width: 36pt; vertical-align: top;">9.</td>
          <td style="width: auto; vertical-align: top; text-align: justify;">
            <div><font style="font-weight: bold;">Effect of Termination of Service on Restricted Stock Award</font>.&#160; This
              Restricted Stock Award will vest as follows upon a Termination of Service:</div>
            <div> <br>
            </div>
          </td>
        </tr>

    </table>
    <div>
      <table cellspacing="0" cellpadding="0" id="zbd339c1c9f9249cfb5acdb8dd2f0c48d" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 108pt; vertical-align: top; text-align: right; font-style: normal;">
              <div style="text-align: left; margin-left: 72pt; font-family: 'Times New Roman',Times,serif;">(i)</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify;"><font style="font-weight: bold;">Death</font>.&#160; In the event of the Participant&#8217;s
                Termination of Service by reason of the Participant&#8217;s death, any unvested shares of Restricted Stock subject to this Agreement will vest.</div>
              <div style="text-align: justify;"> <br>
              </div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="zbd19ccb4f38f4c7aa51ae76807d62c89" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 108pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 72pt;">(ii)</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify;"><font style="font-weight: bold;">Disability</font>.&#160; In the event of the
                Participant&#8217;s Termination of Service by reason of Disability, any unvested shares of Restricted Stock subject to this Agreement will vest.</div>
              <div style="text-align: justify;"> <br>
              </div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="zd132e53abf8241179d9aa66d904eadd7" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 108pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 72pt;">(iii)</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify;"><font style="font-weight: bold;">Change in Control.</font>&#160; In the event of the
                Participant&#8217;s Involuntary Termination of Service at or following a Change in Control, any unvested shares of Restricted Stock subject to this Agreement will vest.</div>
            </td>
          </tr>

      </table>
    </div>
    <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" class="BRPFPageNumber">2</font></div>
      <div class="BRPFPageBreak" style="page-break-after: always;">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="za8187ea556484363948eea6a5d3b069d" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 108pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 72pt;">(iv)</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify;"><font style="font-weight: bold;">Termination for Cause</font><font style="font-style: italic;">.</font>&#160; In the event of the Participant&#8217;s Termination of Service for Cause, all shares of Restricted Stock subject to this Agreement that have
                not vested will expire and be forfeited.</div>
              <div style="text-align: justify;"> <br>
              </div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z8e3be8c3b83348478627f876da1d121a" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 108pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 72pt;">(v)</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify;"><font style="font-weight: bold;">Other Termination</font><font style="font-style: italic;">.</font>&#160; In the event of the Participant&#8217;s Termination of Service for any reason other than due to death, Disability, Cause or an Involuntary Termination at or
                following a Change in Control, all shares of Restricted Stock subject to this Agreement that have not vested as of the date of the Termination of Service will expire and be forfeited.</div>
            </td>
          </tr>

      </table>
    </div>
    <div><br>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 36pt; vertical-align: top;">10.</td>
            <td style="width: auto; vertical-align: top; text-align: justify;">
              <div><font style="font-weight: bold;">Miscellaneous</font>.</div>
            </td>
          </tr>

      </table>
    </div>
    <div style="text-align: justify;"><br>
      </div>
    <table cellspacing="0" cellpadding="0" id="zfff1a96558b84871bfd53e70013d9633" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

        <tr>
          <td style="width: 36pt;"><br>
          </td>
          <td style="width: 32.4pt; vertical-align: top;">10.1</td>
          <td style="width: auto; vertical-align: top; text-align: justify;">
            <div>This Restricted Stock Award will not confer upon the Participant any rights as a stockholder of the Company prior to the date on which the individual fulfills all
              conditions for receipt of such rights, except as otherwise provided herein.</div>
            <div> <br>
            </div>
          </td>
        </tr>

    </table>
    <table cellspacing="0" cellpadding="0" id="z51b84fb34b764f5e877d026a2d87fd54" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

        <tr>
          <td style="width: 36pt;"><br>
          </td>
          <td style="width: 32.4pt; vertical-align: top;">10.2</td>
          <td style="width: auto; vertical-align: top; text-align: justify;">
            <div>This Agreement may not be amended or otherwise modified unless evidenced in writing and signed by the Company and the Participant.</div>
            <div> <br>
            </div>
          </td>
        </tr>

    </table>
    <table cellspacing="0" cellpadding="0" id="zb374b32b17ad4972b463cc6135a4ac43" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

        <tr>
          <td style="width: 36pt;"><br>
          </td>
          <td style="width: 35.25pt; vertical-align: top;">10.3</td>
          <td style="width: auto; vertical-align: top; text-align: justify;">
            <div>The shares of Restricted Stock subject to this Agreement are not transferable prior to the time the shares vest.<br>
              <br>
            </div>
          </td>
        </tr>

    </table>
    <table cellspacing="0" cellpadding="0" id="z4c0b138e6062457e8bd33b99d93122d1" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

        <tr>
          <td style="width: 36pt;"><br>
          </td>
          <td style="width: 35.25pt; vertical-align: top;">10.4</td>
          <td style="width: auto; vertical-align: top; text-align: justify;">
            <div>This Restricted Stock Award will be governed by and construed in accordance with the laws of the State of New York.</div>
            <div> <br>
            </div>
          </td>
        </tr>

    </table>
    <table cellspacing="0" cellpadding="0" id="z578d06c71a564b28bb669049fac54873" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

        <tr>
          <td style="width: 36.7pt;"><br>
          </td>
          <td style="width: 34.55pt; vertical-align: top;">10.5</td>
          <td style="width: auto; vertical-align: top; text-align: justify;">
            <div>This Restricted Stock Award is subject to all laws, regulations and orders of any governmental authority which may be applicable thereto and, notwithstanding any of the
              provisions hereof, the Company will not be obligated to issue any shares of stock hereunder if the issuance of such shares would constitute a violation of any such law, regulation or order or any provision thereof.</div>
            <div> <br>
            </div>
          </td>
        </tr>

    </table>
    <table cellspacing="0" cellpadding="0" id="zb358ab6e43f34693a1ec660bda97672b" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

        <tr>
          <td style="width: 36pt;"><br>
          </td>
          <td style="width: 36pt; vertical-align: top;">10.6</td>
          <td style="width: auto; vertical-align: top; text-align: justify;">
            <div>This Restricted Stock Award is subject to any required federal, state and local tax withholding that may be effected in the manner determined by the Company.</div>
            <div> <br>
            </div>
          </td>
        </tr>

    </table>
    <table cellspacing="0" cellpadding="0" id="z34a6c912a1064cd4906216a3316ed018" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

        <tr>
          <td style="width: 36pt;"><br>
          </td>
          <td style="width: 35.25pt; vertical-align: top;">10.7</td>
          <td style="width: auto; vertical-align: top; text-align: justify;">
            <div>Nothing in this Agreement will interfere with or limit in any way the right of the Company or any Affiliate to terminate the Participant&#8217;s employment or service at any
              time, nor confer upon the Participant any right to continue in the employ or service of the Company or any Affiliate.</div>
            <div> <br>
            </div>
          </td>
        </tr>

    </table>
    <table cellspacing="0" cellpadding="0" id="z15e9c50793db4edbaf102becad4d8fa5" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

        <tr>
          <td style="width: 36pt;"><br>
          </td>
          <td style="width: 36pt; vertical-align: top;">10.8</td>
          <td style="width: auto; vertical-align: top; text-align: justify;">
            <div>This Agreement shall be binding upon any successor of the Company, in accordance with the terms of this Agreement and the Plan.</div>
            <div> <br>
            </div>
          </td>
        </tr>

    </table>
    <table cellspacing="0" cellpadding="0" id="zef652f7a1ae349c8bc592bda9a089931" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

        <tr>
          <td style="width: 36pt;"><br>
          </td>
          <td style="width: 36pt; vertical-align: top;">10.9</td>
          <td style="width: auto; vertical-align: top; text-align: justify;">
            <div>This Restricted Stock Award is subject to forfeiture in accordance with Section 7.17 of the Plan or as otherwise authorized by the Company.</div>
          </td>
        </tr>

    </table>
    <div style="text-align: center; margin-bottom: 12pt; font-weight: bold;"><br>
      [Signature page follows]</div>
    <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" class="BRPFPageNumber">3</font></div>
      <div class="BRPFPageBreak" style="page-break-after: always;">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
    </div>
    <div style="text-align: justify; margin-bottom: 12pt;">IN WITNESS WHEREOF, the Company has caused this document to be executed in its name and on its behalf as of the date of grant of this
      Restricted Stock Award set forth above.</div>
    <div style="margin-left: 252pt; margin-bottom: 24pt; font-variant: small-caps; font-weight: bold;">CARVER BANCORP, INC.</div>
    <div style="margin: 0px 0px 0px; text-align: justify; text-indent: 254.85pt;">By:______________________________<font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; width: 216pt;"> </font></div>
    <div style="text-align: justify; text-indent: 254.85pt; margin-bottom: 12pt;">Its:<font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; width: 216pt;"> ______________________________</font></div>
    <div style="margin-bottom: 12pt;"><br>
    </div>
    <div style="text-align: center; margin-bottom: 12pt; font-weight: bold;">PARTICIPANT&#8217;S ACCEPTANCE</div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;">The undersigned hereby accepts the foregoing Restricted Stock Award and agrees to the terms and conditions hereof,
      including the terms and provisions of the Plan.&#160; The undersigned hereby acknowledges receipt of a copy of the Plan and related prospectus.</div>
    <div style="margin-bottom: 12pt;"><br>
    </div>
    <div style="text-align: justify; text-indent: 252pt; margin-bottom: 12pt; font-weight: bold;">PARTICIPANT</div>
    <div style="text-align: justify; text-indent: 252pt; margin-bottom: 12pt; font-weight: bold;"> <br>
    </div>
    <div style="text-align: justify; text-indent: 252pt; margin-bottom: 12pt; font-weight: bold;"> _________________________________<br>
    </div>
    <div style="text-align: justify; text-indent: 252pt; margin-bottom: 12pt; font-weight: bold;"> <br>
    </div>
    <div style="margin-bottom: 12pt;"><br>
    </div>
    <div style="text-align: justify; text-indent: 0.3pt; margin-left: 253.65pt;"><font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 214.05pt">&#160;</font><br>
    </div>
    <div><br>
    </div>
    <div><br>
    </div>
  </div>
  <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" class="BRPFPageNumber">4</font></div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-10.5
<SEQUENCE>6
<FILENAME>ex10-5_s8080525.htm
<DESCRIPTION>FORM OF RESTRICTED STOCK UNIT AWARD AGREEMENT FOR THE CARVER BANCORP, INC. 2024 EQUITY INCENTIVE PLAN
<TEXT>
<html>
  <head>
    <title></title>
    <!-- Licensed to: Luse Gorman
         Document created using Broadridge PROfile 25.5.1.5318
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  <div style="text-align: right;"><font style="font-weight: bold;">EXHIBIT 10.5</font><br>
  </div>
  <div><br>
  </div>
  <div><br>
    <div style="text-align: center; font-weight: bold;">FORM OF</div>
    <div><br>
    </div>
    <div style="text-align: center; font-weight: bold;">RESTRICTED STOCK UNIT AWARD AGREEMENT</div>
    <div><br>
    </div>
    <div style="text-align: center;">Granted by</div>
    <div><br>
    </div>
    <div style="text-align: center; font-variant: small-caps; font-weight: bold;">CARVER BANCORP, INC.</div>
    <div><br>
    </div>
    <div style="text-align: center;">under the</div>
    <div><br>
    </div>
    <div style="text-align: center; font-weight: bold;">CARVER BANCORP, INC.</div>
    <div style="text-align: center; font-weight: bold;">2024 EQUITY INCENTIVE PLAN</div>
    <div><br>
    </div>
    <div style="text-align: justify; text-indent: 36pt;">This Restricted Stock Unit Award Agreement (&#8220;<font style="font-weight: bold;">Restricted Stock Unit Award</font>&#8221; or &#8220;<font style="font-weight: bold;">Agreement</font>&#8221;) is and will be subject in every respect to the provisions of the 2024 Equity Incentive
      Plan (the &#8220;<font style="font-weight: bold;">Plan</font>&#8221;) of Carver Bancorp, Inc. (the &#8220;<font style="font-weight: bold;">Company</font>&#8221;)
      which are incorporated herein by reference and made a part hereof, subject to the provisions of this Agreement.&#160; A copy of the Plan and related prospectus have been provided or made available to each person granted a Restricted Stock Unit Award
      pursuant to the Plan.&#160; The holder of this Restricted Stock Unit Award (the &#8220;<font style="font-weight: bold;">Participant</font>&#8221;) hereby accepts this Restricted Stock Unit Award, subject
      to all the terms and provisions of the Plan and this Agreement, and agrees that all decisions under and interpretations of the Plan and this Agreement by the committee appointed to administer the Plan (the &#8220;<font style="font-weight: bold;">Committee</font>&#8221;) or the Board of Directors will be final, binding and conclusive upon the Participant and the Participant&#8217;s heirs, legal representatives, successors and permitted assigns.&#160;
      Except where the context otherwise requires, the term &#8220;Company&#8221; will include the parent and all present and future subsidiaries of the Company as defined in Section 424(e) and 424(f) of the Internal Revenue Code of 1986, as amended from time to time
      (the &#8220;<font style="font-weight: bold;">Code</font>&#8221;).&#160; Capitalized terms used herein but not defined will have the same meaning as in the Plan.</div>
    <div style="text-align: justify; text-indent: 36pt;"> <br>
    </div>
    <div style="text-align: justify; font-family: 'Times New Roman',Times,serif;">
      <table cellspacing="0" cellpadding="0" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 37.05pt; vertical-align: top; text-align: right;">
              <div style="text-align: left;">1.</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; font-family: 'Times New Roman',Times,serif;"><font style="font-weight: bold;"><font style="font-family: 'Times New Roman', Times, serif; font-weight: bold;">Name of Participant:</font>&#160; &#160; </font>_____________</div>
            </td>
          </tr>

      </table>
    </div>
    <div><br>
      <table cellspacing="0" cellpadding="0" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 37.05pt; vertical-align: top; text-align: right;">
              <div style="text-align: left;">2.</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; font-family: 'Times New Roman',Times,serif;"><font style="font-weight: bold;"><font style="font-family: 'Times New Roman', Times, serif; font-weight: bold;"><font style="font-weight: bold;">Date of Grant</font>:______________________<font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 144pt"> <br>
                    </font></font></font><br>
              </div>
            </td>
          </tr>

      </table>
    </div>
    <div><br>
    </div>
    <font style="font-size: 1px;"><font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; width: 36pt;">&#160;</font></font>
    <div>
      <table cellspacing="0" cellpadding="0" id="zeb2b8342e0ff46e58d31732c5b688388" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 37.05pt; vertical-align: top; text-align: right;">
              <div style="text-align: left;">3.</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; font-family: 'Times New Roman',Times,serif;"><font style="font-weight: bold;">Total number of Restricted Stock
                  Units covered by the Restricted Stock Unit Award:&#160; &#160; </font>_____________</div>
              <div style="text-align: justify; font-family: 'Times New Roman',Times,serif;"> <br>
              </div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="zbebf0117c92b4487a2d7336b199d508d" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 37.05pt; vertical-align: top; text-align: right;">
              <div style="text-align: left;">4.</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; font-family: 'Times New Roman',Times,serif;"><font style="font-weight: bold;">Vesting Schedule</font>.&#160; Except
                as otherwise provided in the Plan and this Agreement, this Restricted Stock Unit Award first becomes earned in accordance with the vesting schedule specified herein.</div>
            </td>
          </tr>

      </table>
    </div>
    <div><br>
    </div>
    <div style="text-indent: 36pt; margin-left: 72pt;"><u>Date</u><font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 144pt">&#160;</font><u>Number of Units Vested</u></div>
    <div><br>
    </div>
    <div><br>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 37.05pt; vertical-align: top; text-align: right;">
              <div style="text-align: left;"><br>
              </div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; font-family: 'Times New Roman',Times,serif;">Vesting will automatically accelerate pursuant to Sections 2.7 and 4.1 of the Plan (in the event of death, Disability or an Involuntary
                Termination at or following a Change in Control).</div>
            </td>
          </tr>

      </table>
    </div>
    <div style="text-align: justify; margin-left: 37.05pt;"><br>
    </div>
    <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" class="BRPFPageNumber">1</font></div>
      <div class="BRPFPageBreak" style="page-break-after: always;">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z8cffcc4ce9194a0d8315bec4344d61a4" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 37.05pt; vertical-align: top; text-align: right; font-weight: normal;">
              <div style="text-align: left; font-family: 'Times New Roman',Times,serif;">5.</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify;"><font style="font-weight: bold;">Grant and Settlement of Restricted
                    Stock Unit Award</font>.</div>
              <div style="text-align: justify;"> <br>
                </div>
              <div style="text-align: justify;">
                <div>The Restricted Stock Unit Award will be denominated in shares of Stock, except that no shares of Stock are actually awarded to Participant on the date of grant. The <font style="font-family: 'Times New Roman',Times,serif;">Restricted Stock Units will be credited to the Participant&#8217;s account, subject to the terms of the Plan and this Agreement.&#160; </font>On or as soon as practicable after the vesting of
                  any Restricted Stock Units, the Company shall deliver to the Participant either electronically through book-entry at the Company&#8217;s transfer agent or physically one or more certificates representing whole shares of Stock (one share of
                  Stock for each Restricted Stock Unit).<font style="font-family: 'Times New Roman',Times,serif;"> <br>
                  </font></div>
                 </div>
            </td>
          </tr>

      </table>
    </div>
    <br>
    <table cellspacing="0" cellpadding="0" id="z386d0cdd609d479084b91e9156d2c6d4" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

        <tr>
          <td style="width: 37.05pt; vertical-align: top;">6.</td>
          <td style="width: auto; vertical-align: top; text-align: justify;">
            <div><font style="font-weight: bold;">Voting and Dividend Equivalent Rights</font>.</div>
            <div> <br>
            </div>
          </td>
        </tr>

    </table>
    <table cellspacing="0" cellpadding="0" id="z9d9f53891df64fd291cd8f48c2e0ba47" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

        <tr>
          <td style="width: 34.95pt;"><br>
          </td>
          <td style="width: 37.05pt; vertical-align: top;">6.1</td>
          <td style="width: auto; vertical-align: top; text-align: justify;">
            <div>The Participant will not have the right to vote the shares of Stock underlying this Award until the Restricted Stock Units become vested and are settled in Stock.</div>
            <div> <br>
            </div>
          </td>
        </tr>

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            <div>Subject to the restrictions, limitations and conditions described in the Plan and/or this Agreement, Restricted Stock Units will earn dividend equivalent rights during
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          <tr>
            <td style="width: 37.05pt; vertical-align: top;">7.</td>
            <td style="width: auto; vertical-align: top; text-align: justify;">
              <div><font style="font-weight: bold;">Delivery of Shares</font>.</div>
              <div> <br>
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              <div>Delivery of shares of Stock under this Restricted Stock Unit Award will comply with all applicable laws (including, the requirements of the Securities Act), and the
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            </td>
          </tr>

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    <div><br>
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        <tr>
          <td style="width: 36pt; vertical-align: top;">8.</td>
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            <div><font style="font-weight: bold;">Code Section&#160;409A.&#160; </font>The Restricted Stock Unit Award and payments
              made pursuant to this Agreement and the Plan are intended to satisfy the &#8220;short-term deferral&#8221; rule set forth in Code Section 409A and the regulations of the United States Treasury Department issued thereunder (&#8220;<font style="font-weight: bold;">Treasury Regulations</font>&#8221;). Notwithstanding any other provision in this Agreement or the Plan, the Company, to the extent it deems necessary or advisable in its sole
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          <tr>
            <td style="width: 36pt; vertical-align: top;">9.</td>
            <td style="width: auto; vertical-align: top; text-align: justify;">
              <div style="font-family: 'Times New Roman',Times,serif;">
                <div><font style="font-family: 'Times New Roman', Times, serif;"><font style="font-weight: bold;">Adjustment Provisions</font>.</font></div>
                <div><font style="font-family: 'Times New Roman', Times, serif;"> <br>
                  </font></div>
                <div>This Restricted Stock Unit Award, including the number of shares subject to the Restricted Stock Unit Award, will be adjusted upon the
                  occurrence of the events specified in, and in accordance with the provisions of, Section 3.4 of the Plan.</div>
              </div>
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        <tr>
          <td style="width: 36pt; vertical-align: top;">10.</td>
          <td style="width: auto; vertical-align: top; text-align: justify;">
            <div><font style="font-weight: bold;">Effect of Termination of Service on Restricted Stock Unit Award</font>.&#160;
              This Restricted Stock Unit Award will vest as follows upon a Termination of Service:</div>
            <div> <br>
            </div>
          </td>
        </tr>

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          <tr>
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              <div style="text-align: justify;"><font style="font-weight: bold;">Death</font>.&#160; In the event of the Participant&#8217;s
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              <div style="text-align: justify;"> <br>
              </div>
            </td>
          </tr>

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          <tr>
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            </td>
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              <div style="text-align: justify;"><font style="font-weight: bold;">Disability</font>.&#160; In the event of the
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          </tr>

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          <tr>
            <td style="width: 108pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 72pt;">(iii)</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify;"><font style="font-weight: bold;">Change in Control.</font>&#160; In the event of the
                Participant&#8217;s Involuntary Termination of Service at or following a Change in Control, any unvested Restricted Stock Units subject to this Agreement will vest.</div>
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            </td>
          </tr>

      </table>
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    <div>
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          <tr>
            <td style="width: 108pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 72pt;">(iv)</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify;"><font style="font-weight: bold;">Termination for Cause</font><font style="font-style: italic;">.</font>&#160; In the event of the Participant&#8217;s Termination of Service for Cause, all Restricted Stock Units subject to this Agreement that have not
                vested will expire and be forfeited.</div>
              <div style="text-align: justify;"> <br>
              </div>
            </td>
          </tr>

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          <tr>
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              <div style="text-align: left; margin-left: 72pt;">(v)</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify;"><font style="font-weight: bold;">Other Termination</font><font style="font-style: italic;">.</font>&#160; In the event of the Participant&#8217;s Termination of Service for any reason other than due to death, Disability, Cause or an Involuntary Termination at or
                following a Change in Control, all Restricted Stock Units subject to this Agreement that have not vested as of the date of the Termination of Service will expire and be forfeited.</div>
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          </tr>

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    </div>
    <div style="text-align: justify;"><br>
      <table cellspacing="0" cellpadding="0" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 37.05pt; vertical-align: top;">11.</td>
            <td style="width: auto; vertical-align: top; text-align: justify;">
              <div><font style="font-weight: bold;">Miscellaneous</font>.</div>
            </td>
          </tr>

      </table>
    </div>
    <div style="text-align: justify;"><br>
      </div>
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        <tr>
          <td style="width: 36pt;"><br>
          </td>
          <td style="width: 32.4pt; vertical-align: top;">11.1</td>
          <td style="width: auto; vertical-align: top; text-align: justify;">
            <div>This Restricted Stock Unit Award will not confer upon the Participant any rights as a stockholder of the Company prior to the date on which the individual fulfills all
              conditions for receipt of such rights, except as otherwise provided herein.</div>
            <div> <br>
            </div>
          </td>
        </tr>

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        <tr>
          <td style="width: 36pt;"><br>
          </td>
          <td style="width: 32.4pt; vertical-align: top;">11.2</td>
          <td style="width: auto; vertical-align: top; text-align: justify;">
            <div>This Agreement may not be amended or otherwise modified unless evidenced in writing and signed by the Company and the Participant.<br>
              <br>
            </div>
          </td>
        </tr>

    </table>
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        <tr>
          <td style="width: 36pt;"><br>
          </td>
          <td style="width: 35.25pt; vertical-align: top;">11.3</td>
          <td style="width: auto; vertical-align: top; text-align: justify;">
            <div>The Restricted Stock Units subject to this Agreement are not transferable until the expiration of the Restriction Period.</div>
            <div> <br>
            </div>
          </td>
        </tr>

    </table>
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        <tr>
          <td style="width: 36pt;"><br>
          </td>
          <td style="width: 35.25pt; vertical-align: top;">11.4</td>
          <td style="width: auto; vertical-align: top; text-align: justify;">
            <div>This Restricted Stock Unit Award will be governed by and construed in accordance with the laws of the State of New York.</div>
            <div> <br>
            </div>
          </td>
        </tr>

    </table>
    <table cellspacing="0" cellpadding="0" id="z9df2ddf84cb942ef935c5f286052eb7e" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

        <tr>
          <td style="width: 36.7pt;"><br>
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          <td style="width: auto; vertical-align: top; text-align: justify;">
            <div>This Restricted Stock Unit Award is subject to all laws, regulations and orders of any governmental authority which may be applicable thereto and, notwithstanding any
              of the provisions hereof, the Company will not be obligated to issue any shares of stock hereunder if the issuance of such shares would constitute a violation of any such law, regulation or order or any provision thereof.</div>
            <div> <br>
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          </td>
        </tr>

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        <tr>
          <td style="width: 36pt;"><br>
          </td>
          <td style="width: 36pt; vertical-align: top;">11.6</td>
          <td style="width: auto; vertical-align: top; text-align: justify;">
            <div>This Restricted Stock Unit Award is subject to any required federal, state and local tax withholding that may be effected in the manner determined by the Company.</div>
            <div> <br>
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          </td>
        </tr>

    </table>
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        <tr>
          <td style="width: 36pt;"><br>
          </td>
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            <div>Nothing in this Agreement will interfere with or limit in any way the right of the Company or any Affiliate to terminate the Participant&#8217;s employment or service at any
              time, nor confer upon the Participant any right to continue in the employ or service of the Company or any Affiliate.</div>
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        <tr>
          <td style="width: 36pt;"><br>
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            <div>This Agreement shall be binding upon any successor of the Company, in accordance with the terms of this Agreement and the Plan.</div>
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          </td>
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        <tr>
          <td style="width: 36pt;"><br>
          </td>
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            <div>This Restricted Stock Unit Award is subject to forfeiture in accordance with Section 7.17 of the Plan or as otherwise authorized by the Company.</div>
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    <div><br>
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    <div style="text-align: center; margin-bottom: 12pt; font-weight: bold;">[Signature page follows]</div>
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    <div style="text-align: justify; margin-bottom: 12pt;">IN WITNESS WHEREOF, the Company has caused this document to be executed in its name and on its behalf as of the date of grant of this
      Restricted Stock Unit Award set forth above.</div>
    <div style="margin-left: 252pt; margin-bottom: 24pt; font-variant: small-caps; font-weight: bold;">CARVER BANCORP, INC.</div>
    <div style="margin: 0px 0px 0px; text-align: justify; text-indent: 254.85pt;">By:_____________________<font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; width: 216pt;"> </font></div>
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    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;">The undersigned hereby accepts the foregoing Restricted Stock Unit Award and agrees to the terms and conditions
      hereof, including the terms and provisions of the Plan.&#160; The undersigned hereby acknowledges receipt of a copy of the Plan and related prospectus.</div>
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    <div style="text-align: justify; text-indent: 252pt; margin-bottom: 12pt; font-weight: bold;">PARTICIPANT</div>
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      </font></div>
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    <div style="text-align: justify; text-indent: 0.3pt; margin-left: 253.65pt;"><font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; width: 214.05pt;">__________________________</font><br>
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<DOCUMENT>
<TYPE>EX-23.2
<SEQUENCE>7
<FILENAME>ex23-2_s8080525.htm
<DESCRIPTION>CONSENT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM
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  <div style="text-align: right;"><font style="font-weight: bold;">EXHIBIT 23.2</font><br>
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  <div><br>
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    <div style="text-align: center;"><u>Consent of Independent Registered Public Accounting Firm</u><br>
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    <div><font style="font-size: 12pt;">&#160;</font>We hereby consent to the incorporation by reference in this Registration
      Statement of our report dated June 24, 2025, relating to the consolidated financial statements of Carver Bancorp, Inc. (the Company) appearing in the Company&#8217;s Annual Report on Form 10-K for the fiscal year ended March 31, 2025.</div>
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    <div>/s/ BDO, USA, P.C.<br>
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    <div>New York, New York </div>
    <div>August 1, 2025</div>
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<TYPE>EX-FILING FEES
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                </xbrldi:typedMember>
              </xbrli:segment>
            </xbrli:entity>
            <xbrli:period>
              <xbrli:startDate>2025-08-06</xbrli:startDate>
              <xbrli:endDate>2025-08-06</xbrli:endDate>
            </xbrli:period>
          </xbrli:context>
          <xbrli:unit id="USD">
            <xbrli:measure>iso4217:USD</xbrli:measure>
          </xbrli:unit>
          <xbrli:unit id="pure">
            <xbrli:measure>xbrli:pure</xbrli:measure>
          </xbrli:unit>
          <xbrli:unit id="Shares">
            <xbrli:measure>xbrli:shares</xbrli:measure>
          </xbrli:unit>
        </ix:resources>
      </ix:header>
    </div>
    <div>
      <table style="width: 99%; font-family: Arial, Helvetica, sans-serif; font-size: 20pt; text-align: center;">
        <tr>
          <td colspan="4" style="padding-bottom: .5em">
            <p>
              <b>Calculation of Filing Fee Tables</b>
            </p>
          </td>
        </tr>
        <tr>
          <td style="padding-bottom: .25em">
            <p>
              <b>
                <ix:nonNumeric name="ffd:FormTp" contextRef="rc" id="ixv-200">S-8</ix:nonNumeric>
              </b>
            </p>
          </td>
        </tr>
        <tr>
          <td style="padding-bottom: .25em">
            <p>
              <b>
                <ix:nonNumeric name="dei:EntityRegistrantName" contextRef="rc" id="ixv-201">CARVER BANCORP INC</ix:nonNumeric>
              </b>
            </p>
          </td>
        </tr>
      </table>
    </div>
    <div style="padding-bottom: 20px;">
      <table style="float: center; width: 100%; text-align: left;  ">
        <tr style="font-family: Arial, Helvetica, sans-serif; font-size: 16px">
          <th style="vertical-align: bottom; text-align: center; width: 90%; word-wrap: break-word">
            <p style="margin: 0pt; text-align: center;">
              <b>Table 1: Newly Registered Securities</b>
            </p>
          </th>
        </tr>
      </table>
      <table style="font-family: Arial, Helvetica, sans-serif; font-size: 16px; float: center; width: 90%; text-align: center;  border: 1px solid black; margin-left: auto; margin-right: auto;">
        <tr style="background-color:#9ADAF6">
          <th style="width: 2%;">
            <!-- BLANK -->
          </th>
          <th style="width: 10%;">
            <p style="margin: 0pt; text-align: center;">
              <b>Security Type</b>
            </p>
          </th>
          <th style="width: 10%;">
            <p style="margin: 0pt; text-align: center;">
              <b>Security Class Title </b>
            </p>
          </th>
          <th style="width: 10%;">
            <p style="margin: 0pt; text-align: center;">
              <b>Fee Calculation Rule</b>
            </p>
          </th>
          <th style="width: 10%;">
            <p style="margin: 0pt; text-align: center;">
              <b>Amount Registered</b>
            </p>
          </th>
          <th style="width: 15%;">
            <p style="margin: 0pt; text-align: center;">
              <b>Proposed Maximum Offering Price Per Unit</b>
            </p>
          </th>
          <th style="width: 15%;">
            <p style="margin: 0pt; text-align: center;">
              <b>Maximum Aggregate Offering Price</b>
            </p>
          </th>
          <th style="width: 3%;">
            <p style="margin: 0pt; text-align: center;">
              <b>Fee Rate</b>
            </p>
          </th>
          <th style="width: 15%;">
            <p style="margin: 0pt; text-align: center;">
              <b>Amount of Registration Fee</b>
            </p>
          </th>
        </tr>
        <tr style="background-color:#E7E7E2">
          <td style="text-align: center;">
		1
	</td>
          <td style="text-align: left;">
            <ix:nonNumeric name="ffd:OfferingSctyTp" contextRef="offrl_1" id="ixv-202">Equity</ix:nonNumeric>
          </td>
          <td style="text-align: left;">
            <ix:nonNumeric name="ffd:OfferingSctyTitl" contextRef="offrl_1" id="ixv-203">Common stock, $0.01 par value per share</ix:nonNumeric>
          </td>
          <td style="text-align: center;">
            <ix:nonNumeric name="ffd:FeesOthrRuleFlg" contextRef="offrl_1" format="ixt:booleantrue" id="ixv-204">Other</ix:nonNumeric>
          </td>
          <td style="text-align: right;">
            <ix:nonFraction name="ffd:AmtSctiesRegd" unitRef="Shares" decimals="0" format="ixt:numdotdecimal" contextRef="offrl_1" id="ixv-205">350,000</ix:nonFraction>
          </td>
          <td style="text-align: right;">
            <span>$</span>
            <ix:nonFraction name="ffd:MaxOfferingPricPerScty" unitRef="USD" decimals="INF" format="ixt:numdotdecimal" contextRef="offrl_1" id="ixv-206">2.04</ix:nonFraction>
          </td>
          <td style="text-align: right;">
            <span>$</span>
            <ix:nonFraction name="ffd:MaxAggtOfferingPric" unitRef="USD" decimals="INF" format="ixt:numdotdecimal" contextRef="offrl_1" id="ixv-207">714,000.00</ix:nonFraction>
          </td>
          <td style="text-align: right;">
            <ix:nonFraction name="ffd:FeeRate" unitRef="pure" decimals="INF" format="ixt:numdotdecimal" contextRef="offrl_1" id="ixv-208">0.0001531</ix:nonFraction>
          </td>
          <td style="text-align: right;">
            <span>$</span>
            <ix:nonFraction name="ffd:FeeAmt" unitRef="USD" decimals="INF" format="ixt:numdotdecimal" contextRef="offrl_1" id="ixv-209">109.31</ix:nonFraction>
          </td>
        </tr>
        <tr>
          <td colspan="5" style="vertical-align: top">
            <p style="margin: 0pt; text-align: right">Total Offering Amounts:</p>
          </td>
          <td>
            <!-- BLANK -->
          </td>
          <td style="vertical-align: top; width: 16%;">
            <p id="MaxAggtOfferingPrice" style="margin: 0pt; text-align: right">
              <span>$</span>
              <ix:nonFraction name="ffd:TtlOfferingAmt" contextRef="rc" decimals="INF" format="ixt:numdotdecimal" unitRef="USD" id="ixv-210">714,000.00</ix:nonFraction>
            </p>
          </td>
          <td>
            <!-- BLANK -->
          </td>
          <td style="vertical-align: top; border-bottom: 1px black; width: 16%;">
            <p id="TotalFeeAmt" style="margin: 0pt; text-align: right">
              <span>$</span>
              <ix:nonFraction name="ffd:TtlFeeAmt" contextRef="rc" decimals="INF" format="ixt:numdotdecimal" unitRef="USD" id="ixv-211">109.31</ix:nonFraction>
            </p>
          </td>
        </tr>
        <tr>
          <td colspan="5" style="vertical-align: top">
            <p style="margin: 0pt; text-align: right">
					Total Fee Offsets:
				</p>
          </td>
          <td>
            <!-- BLANK -->
          </td>
          <td>
            <!-- BLANK -->
          </td>
          <td>
            <!-- BLANK -->
          </td>
          <td style="vertical-align: top">
            <p id="TotalOffsetAmt" style="margin: 0pt; text-align: right">
              <span>$</span>
              <ix:nonFraction name="ffd:TtlOffsetAmt" contextRef="rc" decimals="INF" format="ixt:numdotdecimal" unitRef="USD" id="ixv-212">0.00</ix:nonFraction>
            </p>
          </td>
        </tr>
        <tr>
          <td colspan="5" style="vertical-align: top">
            <p style="margin: 0pt; text-align: right">
					Net Fee Due:
				</p>
          </td>
          <td>
            <!-- BLANK -->
          </td>
          <td>
            <!-- BLANK -->
          </td>
          <td>
            <!-- BLANK -->
          </td>
          <td style="vertical-align: top">
            <p id="NetFeeAmt" style="margin: 0pt; text-align: right">
              <span>$</span>
              <ix:nonFraction name="ffd:NetFeeAmt" contextRef="rc" decimals="INF" format="ixt:numdotdecimal" unitRef="USD" id="ixv-213">109.31</ix:nonFraction>
            </p>
          </td>
        </tr>
      </table>
    </div>
    <div>
      <table style="width: 90%; margin-left:auto; margin-right:auto; text-indent: 0px;">
        <tbody>
          <tr style="font-family: Arial, Helvetica, sans-serif; font-size: 16px; vertical-align: top;">
            <td>
              <p style="margin:0pt;text-align:left; margin-bottom: 5px;">
                <b>Offering Note</b>
              </p>
            </td>
            <td/>
          </tr>
        </tbody>
      </table>
    </div>
    <div style="padding-bottom: 20px;">
      <table style="width: 90%; margin-left:auto; margin-right:auto; text-indent: 0px;">
        <tr style="font-family: Arial, Helvetica, sans-serif; font-size: 16px; vertical-align: top;">
          <td style="width:10pt;">
            <p style="margin:0pt;text-align:left;">
              <sup style="vertical-align:top;line-height:120%;font-size:10px">1</sup>
            </p>
          </td>
          <td colspan="7" style="white-space: pre-line;">
            <ix:nonNumeric name="ffd:OfferingNote" escape="1" contextRef="offrl_1" id="ixv-214">(a) Together with an indeterminate number of additional shares that may be necessary to adjust the number of shares reserved for issuance pursuant to the Carver Bancorp, Inc. 2024 Equity Incentive Plan (the "Equity Plan") as a result of a stock split, stock dividend or similar adjustment of the outstanding common stock of Carver Bancorp, Inc. (the "Company") pursuant to 17 C.F.R. Section 230.416(a) under the Securities Act of 1933, as amended (the "Securities Act").
(b) Estimated solely for the purpose of calculating the registration fee in accordance with Rules 457(c) and (h) under the Securities Act to be equal to $2.04 per share, the average of the high and low prices of the Company's common stock as reported on the NASDAQ Stock Market LLC on August 1, 2025.
(c) Represents the number of shares of common stock reserved for issuance under the Equity Plan for any grants of stock options, restricted stock and restricted stock units.</ix:nonNumeric>
          </td>
        </tr>
        <tr>
          <td colspan="7">
            <hr style="width:100%;text-align:left;margin-left:0"/>
          </td>
        </tr>
      </table>
    </div>
    <div style="padding-bottom: 20px;">
      <table style="float: center; width: 100%; text-align: left;  ">
        <tr style="font-family: Arial, Helvetica, sans-serif; font-size: 16px">
          <th style="vertical-align: bottom; text-align: left; word-wrap: break-word">
            <b>Table 2: Fee Offset Claims and Sources</b>
          </th>
          <th style="vertical-align: bottom; word-wrap: break-word; text-align: right;">
            <span style="-sec-ix-hidden: hiddenrcOffsetTableNa">&#9745;Not Applicable</span>
          </th>
        </tr>
      </table>
      <table style="font-family: Arial, Helvetica, sans-serif; font-size: 16px; float: center; width: 100%; text-align: center;  border: 1px solid black;">
        <tr style="background-color:#9ADAF6">
          <th style="width: 10%; text-align: left;">
            <!-- BLANK -->
          </th>
          <th style="width: 8%; text-align: left;">
            <!-- BLANK -->
          </th>
          <th style="width: 16%;">
				Registrant or Filer Name
			</th>
          <th style="width: 6%;">
				Form or Filing Type
			</th>
          <th style="width: 7%;">
				File Number
			</th>
          <th style="width: 6%;">
				Initial Filing Date
			</th>
          <th style="width: 6%;">
				Filing Date
			</th>
          <th style="width: 6%;">
				Fee Offset Claimed
			</th>
          <th style="width: 6%;">
				Security Type Associated with Fee Offset Claimed
			</th>
          <th style="width: 8%;">
				Security Title Associated with Fee Offset Claimed
			</th>
          <th style="width: 6%;">
				Unsold Securities Associated with Fee Offset Claimed
			</th>
          <th style="width: 9%;">
				Unsold Aggregate Offering Amount Associated with Fee Offset Claimed
			</th>
          <th style="width: 6%;">
				Fee Paid with Fee Offset Source
			</th>
        </tr>
        <tr>
          <td colspan="14" style="text-align: center">
            <b>Rule 457(p)</b>
          </td>
        </tr>
        <tr style="background-color:#E7E7E2">
          <td style="text-align: left;">
		Fee Offset Claims
	</td>
          <td>
		N/A
	</td>
          <td style="text-align: left;">
		N/A
	</td>
          <td>
		N/A
	</td>
          <td>
		N/A
	</td>
          <td>
		N/A
	</td>
          <td>
		N/A
	</td>
          <td style="text-align: right;">
		N/A
	</td>
          <td style="text-align: left;">
		N/A
	</td>
          <td style="text-align: left;">
		N/A
	</td>
          <td style="text-align: right;">
		N/A
	</td>
          <td style="text-align: right;">
		N/A
	</td>
          <td style="text-align: right;">
		N/A
	</td>
        </tr>
        <tr style="background-color:#E7E7E2">
          <td style="text-align: left;">
		Fee Offset Sources
	</td>
          <td>
		N/A
	</td>
          <td style="text-align: left;">
		N/A
	</td>
          <td>
		N/A
	</td>
          <td>
		N/A
	</td>
          <td>
		N/A
	</td>
          <td>
		N/A
	</td>
          <td style="text-align: right;">
		N/A
	</td>
          <td style="text-align: left;">
		N/A
	</td>
          <td style="text-align: left;">
		N/A
	</td>
          <td style="text-align: right;">
		N/A
	</td>
          <td style="text-align: right;">
		N/A
	</td>
          <td style="text-align: right;">
		N/A
	</td>
        </tr>
      </table>
    </div>
  </body>
</html>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>10
<FILENAME>R1.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<body>
<span style="display: none;">v3.25.2</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Submission<br></strong></div></th>
<th class="th"><div>Aug. 06, 2025</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ffd_SubmissionLineItems', window );"><strong>Submission [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityCentralIndexKey', window );">Central Index Key</a></td>
<td class="text">0001016178<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityRegistrantName', window );">Registrant Name</a></td>
<td class="text">CARVER BANCORP INC<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ffd_FormTp', window );">Form Type</a></td>
<td class="text">S-8<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ffd_SubmissnTp', window );">Submission Type</a></td>
<td class="text">S-8<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ffd_FeeExhibitTp', window );">Fee Exhibit Type</a></td>
<td class="text">EX-FILING FEES<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ffd_OfferingTableNa', window );">Offering Table N/A</a></td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ffd_OffsetTableNa', window );">Offset Table N/A</a></td>
<td class="text">N/A<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityCentralIndexKey">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>A unique 10-digit SEC-issued value to identify entities that have filed disclosures with the SEC. It is commonly abbreviated as CIK.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityCentralIndexKey</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:centralIndexKeyItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityRegistrantName">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The exact name of the entity filing the report as specified in its charter, which is required by forms filed with the SEC.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityRegistrantName</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ffd_FeeExhibitTp">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ffd_FeeExhibitTp</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ffd_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>ffd:feeExhibitTypeItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ffd_FormTp">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ffd_FormTp</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ffd_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>ffd:submissionTypeItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ffd_OfferingTableNa">
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<span style="display: none;">v3.25.2</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Offerings - Offering: 1<br></strong></div></th>
<th class="th">
<div>Aug. 06, 2025 </div>
<div>USD ($) </div>
<div>shares</div>
</th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ffd_OfferingTable', window );"><strong>Offering:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ffd_PrevslyPdFlg', window );">Fee Previously Paid</a></td>
<td class="text">false<span></span>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ffd_OfferingSctyTp', window );">Security Type</a></td>
<td class="text">Equity<span></span>
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<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ffd_OfferingSctyTitl', window );">Security Class Title</a></td>
<td class="text">Common stock, $0.01 par value per share<span></span>
</td>
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<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ffd_AmtSctiesRegd', window );">Amount Registered | shares</a></td>
<td class="nump">350,000<span></span>
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<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ffd_MaxOfferingPricPerScty', window );">Proposed Maximum Offering Price per Unit</a></td>
<td class="nump">2.04<span></span>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ffd_MaxAggtOfferingPric', window );">Maximum Aggregate Offering Price</a></td>
<td class="nump">$ 714,000.00<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ffd_FeeRate', window );">Fee Rate</a></td>
<td class="nump">0.01531%<span></span>
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</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ffd_FeeAmt', window );">Amount of Registration Fee</a></td>
<td class="nump">$ 109.31<span></span>
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<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ffd_OfferingNote', window );">Offering Note</a></td>
<td class="text">(a) Together with an indeterminate number of additional shares that may be necessary to adjust the number of shares reserved for issuance pursuant to the Carver Bancorp, Inc. 2024 Equity Incentive Plan (the "Equity Plan") as a result of a stock split, stock dividend or similar adjustment of the outstanding common stock of Carver Bancorp, Inc. (the "Company") pursuant to 17 C.F.R. Section 230.416(a) under the Securities Act of 1933, as amended (the "Securities Act").
(b) Estimated solely for the purpose of calculating the registration fee in accordance with Rules 457(c) and (h) under the Securities Act to be equal to $2.04 per share, the average of the high and low prices of the Company's common stock as reported on the NASDAQ Stock Market LLC on August 1, 2025.
(c) Represents the number of shares of common stock reserved for issuance under the Equity Plan for any grants of stock options, restricted stock and restricted stock units.<span></span>
</td>
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<div style="display: none;">
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of securities being registered.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Securities Act<br> -Number 230<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Total amount of registration fee (amount due after offsets).</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Securities Act<br> -Number 230<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The rate per dollar of fees that public companies and other issuers pay to register their securities with the Commission.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Securities Act<br> -Number 230<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Checkbox indicating whether filer is using a rule other than 457(a), 457(o), or 457(f) to calculate the registration fee due.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Securities Act<br> -Number 230<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The maximum aggregate offering price for the offering that is being registered.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Securities Act<br> -Number 230<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ffd_MaxAggtOfferingPric</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The maximum offering price per share/unit being registered.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Securities Act<br> -Number 230<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Securities Act<br> -Number 230<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ffd_OfferingNote</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The title of the class of securities being registered (for each class being registered).</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Securities Act<br> -Number 230<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ffd_OfferingSctyTitl</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Type of securities: "Asset-backed Securities", "ADRs/ADSs", "Debt", "Debt Convertible into Equity", "Equity", "Face Amount Certificates", "Limited Partnership Interests", "Mortgage Backed Securities", "Non-Convertible Debt", "Unallocated (Universal) Shelf", "Exchange Traded Vehicle Securities", "Other"</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Securities Act<br> -Number 230<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<td style="white-space:nowrap;">ffd_OfferingSctyTp</td>
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<div>Aug. 06, 2025 </div>
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        <entity>
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        </entity>
        <period>
            <startDate>2025-08-06</startDate>
            <endDate>2025-08-06</endDate>
        </period>
    </context>
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        <period>
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    <unit id="pure">
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(b) Estimated solely for the purpose of calculating the registration fee in accordance with Rules 457(c) and (h) under the Securities Act to be equal to $2.04 per share, the average of the high and low prices of the Company's common stock as reported on the NASDAQ Stock Market LLC on August 1, 2025.
(c) Represents the number of shares of common stock reserved for issuance under the Equity Plan for any grants of stock options, restricted stock and restricted stock units.</ffd:OfferingNote>
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