Exhibit 10.1 AGREEMENT AND PLAN OF MERGER This AGREEMENT AND PLAN OF MERGER (this "Agreement") has been made as of October 29, 2007, by and among Carlateral Inc., a Nevada corporation ("CARZ"), CARZ Merger Sub, Inc., a Nevada corporation and a...Merger Agreement • November 2nd, 2007 • Carlateral, Inc. • Personal credit institutions • Nevada
