EXHIBIT 10.13 CREDIT AGREEMENT This Amended and Restated Credit Agreement (the "Agreement"), dated as of December 26, 2002, is between CITY NATIONAL BANK ("CNB") and SPECTRUM LABORATORIES, INC., a Delaware corporation ("Borrower"), and supersedes and...Credit Agreement • March 28th, 2003 • Spectrum Laboratories Inc /Ca • Orthopedic, prosthetic & surgical appliances & supplies • California
