SF2 files rely on the host software for reverb and chorus. The Dream SAM2695 has built-in hardware effects, but they are programmed differently. Reverb settings from the SF2 usually do not translate automatically; you must manually re-program effect levels in the Dream tool or via MIDI System Exclusive messages (SysEx) after loading the bank.
If you are reading this and want to create the tool the world needs, the DWP SDK is available upon request from the DropWord team. A simple drag-and-drop converter that reads the RIFF chunks of an SF2 and writes the binary structure of a DWP is a feasible weekend project for a C++ developer. soundfont to dwp
For specifically: