Exhibit 10.38 AMENDED AND RESTATED CREDIT AGREEMENT dated as of December 17, 2001, between BIRNER DENTAL MANAGEMENT SERVICES, INC., a Colorado corporation (the "Borrower") and KEYBANK NATIONAL ASSOCIATION, a national association (the "Lender")....Credit Agreement • March 28th, 2002 • Birner Dental Management Services Inc • Services-management services • Colorado
