Document:

EXHIBIT 10.22

                      SECOND AMENDMENT TO CREDIT AGREEMENT

         This Second Amendment to Credit Agreement is entered into as of July 1,
2000, by and between Spectrum Laboratories, Inc., a Delaware corporation
("Borrower") and City National Bank, a national banking association ("CNB").

                                    RECITALS

         A. Borrower and CNB are parties to that certain Credit Agreement dated
as of December 22, 1998 as amended by that certain First Amendment to Credit
Agreement dated as of July 14, 1999 (hereinafter the "Credit Agreement").

         B. Borrower and CNB desire to supplement and amend the Credit Agreement
as hereinafter set forth.

         NOW, THEREFORE, the parties agree as follows:

1.       DEFINITIONS. Capitalized terms used in this Amendment without
         definition shall have the meanings as set forth in the Credit
         Agreement.

2.       AMENDMENTS. The Credit Agreement is amended as follows:

         2.1      Section 2.2 is stricken and replaced with the following:

                  2.2      The Term Loan B. CNB agrees to make, upon Borrower's
                           request, a term loan ("Term Loan B") to Borrower in
                           the principal amount of One Hundred Seventy Three
                           Thousand One Hundred Six and 13/100 Dollars
                           ($173,106.13). The Term Loan B will be evidenced by a
                           promissory note ("Term Note") in the form attached
                           hereto as Exhibit "B" or as superseded in any
                           amendment to this Agreement.

                                    2.2.1 Interest on Term Loan B. The Term Loan
                           B will bear interest from disbursement until due
                           (whether at stated maturity, by acceleration or
                           otherwise) at a fluctuating rate equal to the Prime
                           Rate plus one-quarter of one percent (0.25%) per
                           annum. Interest will be payable monthly in arrears on
                           the first day of each month, starting on August 1,
                           2000, and on the date the Term Loan B is paid in
                           full.

                                    2.2.2 Payment of Term Loan B. The principal
                           amount of the Term Loan B will be repaid by Borrower
                           to CNB in twenty one (21) consecutive monthly
                           installments, consisting of twenty (20) installments
                           each in the amount of $8,530.00, and a final
                           installment in the amount of $2,506.13, commencing on
                           August 1, 2000, and continuing on the first day of
                           each month up to and including April 1, 2002, on
                           which date all principal and accrued interest will be
                           due and payable in full.

                  2.2      Exhibit "B" currently attached to the Credit
                           Agreement is superseded and replaced with Exhibit "B"
                           attached to this Amendment.

3.       EXISTING AGREEMENT. Except as expressly amended herein, the Credit
         Agreement shall remain in full force and effect, and in all other
         respects is affirmed.

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4.       CONDITIONS PRECEDENT. This Amendment shall become effective upon the
         fulfillment of all of the following conditions to CNB's satisfaction:

         4.1      CNB shall have received this Amendment duly executed by
                  Borrower and acknowledged by the Guarantors;

         4.2      CNB shall have received a new Term Loan B in the form attached
                  as Exhibit "B" to this Amendment, duly executed by Borrower;

         4.3      All other documents and legal matters in connection with the
                  transactions described in the Agreement will be satisfactory
                  in form and substance to CNB.

5.       COUNTERPARTS. This Amendment may be executed in any number of
         counterparts, and all such counterparts taken together shall be deemed
         to constitute one and the same instrument.

6.       GOVERNING LAW. This Amendment and the rights and obligations of the
         parties hereto shall be construed in accordance with, and governed by
         the laws of the State of California.

IN WITNESS WHEREOF, the parties have executed this Amendment as of the day and
year first above written.

"Borrower"                          Spectrum Laboratories, Inc., a
                                    Delaware corporation

                                    By: /s/ Roy T. Eddleman
                                        ----------------------------------------
                                        Roy T. Eddleman, Chief Executive Officer

                                    City National Bank, a national
                                    banking association

                                    By: /s/ Richard Fein
                                        ----------------------------------------
                                        Richard Fein, Vice President

[Consent of Guarantors continued on next page]

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[Consent of Guarantors continued from prior page]

CONSENT OF GUARANTORS:

         The undersigned have previously guaranteed the indebtedness of Spectrum
Laboratories, Inc. owed to CNB. The undersigned confirm that their respective
guaranties and the security given in connection therewith, if any, shall
continue in full force and effect and that each such guaranty shall be a
separate and distinct obligation and apply to the indebtedness arising from the
Credit Agreement as amended herein, subject to the overall limitation as to the
amount guaranteed.

/s/ Roy T. Eddleman
-------------------------------
Roy T. Eddleman

Spectrum Europe B.V., a
Netherlands company

By:  /s/ Roy T. Eddleman
-------------------------------
Its: Chief Executive Officer
-------------------------------

SLI Acquisition Corp.,                   Spectrum Molecular Separations, Inc., a
a Delaware corporation                   Delaware corporation

By: /s/ Roy T. Eddleman                  By: /s/ Roy T. Eddleman
   --------------------------------          ---------------------------------
Its: Chief Executive Officer             Its: Chief Executive Officer
     ------------------------------          ---------------------------------

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                                                                     EXHIBIT "B"
                                   TERM NOTE B
                               (Any Interest Rate)
                                                                    636814/32109

$173,106.13                                                   Irvine, California
                                                                     July 1,2000

         FOR VALUE RECEIVED, the undersigned. Spectrum Laboratories, Inc., a
Delaware corporation ("Borrower"), promises to pay to the order of City National
Bank, a national banking association ("CNB"), at its Office located at 9
Executive Circle, Irvine, California 92614 the principal amount of One Hundred
Seventy Three Thousand One Hundred Six and 13/100 Dollars ($173,106.13), plus
interest on the unpaid principal balance, computed on the basis of a 360-day
year, actual days elapsed, at the rates, times and in accordance with the terms
of that certain Credit Agreement between Borrower and CNB, dated as of December
22, 1998, as may be amended from time to time (the "Credit Agreement").
Principal is payable in twenty one (21) consecutive monthly installments,
consisting of twenty (20) installments each in the amount of $8,530.00, and a
final installment in the amount of $2,506.13, commencing August 1, 2000, and
continuing on the first day of each month up to and including April 1, 2002, on
which day the balance of principal and interest thereon unpaid shall become due
and payable. Capitalized terms not defined herein will have the meanings given
them in the Credit Agreement.

         If payment on this Note becomes due and payable on a non-business day,
the maturity thereof shall be extended to the next business day and, with
respect to payments of principal or interest thereon, shall be payable during
such extension at the then applicable rate. Upon the occurrence of one or more
of the Events of Default specified in the Credit Agreement, all amounts
remaining unpaid on this Term Note may become or be declared to be immediately
payable as provided in the Credit Agreement, without presentment, demand or
notice of dishonor, all of which are expressly waived. Borrower agrees to pay
all costs of collection of this Note and reasonable attorneys' fees (including
attorneys' fees allocable to CNB's in-house counsel) in connection therewith,
irrespective of whether suit is brought thereon.

         This is the Term Note B referred to in the Credit Agreement and is
entitled to the benefits thereof, and supersedes and replaces in its entirety
that certain Term Note B dated July 14, 1999 in the original principal sum of
$275,465.44 executed by Borrower in favor of CNB.

         Upon CNB's written notice to Borrower of the occurrence of an Event of
Default, the outstanding principal balance (and interest, to the extent
permitted by law) shall bear additional interest from the date of such notice at
the rate of Five Percent (5.0%) per annum higher than the interest rate as
determined and computed above, and continuing thereafter until the Event of
Default is cured.

         This Note shall be governed by the laws of the State of California. If
this Note is executed by more than one Borrower, all obligations are joint and
several.

"Borrower"                          Spectrum Laboratories, Inc., a
                                    Delaware corporation

                                    By: /s/ Roy T. Eddleman
                                        ----------------------------------------
                                        Roy T. Eddleman, Chief Executive OfficerEXHIBIT 10.23

                           SPECTRUM LABORATORIES, INC.
                             2000 STOCK OPTION PLAN

         1. PURPOSE. The purpose of this Spectrum Laboratories, Inc. 2000 Stock
Option Plan (The "Plan") is to provide a means whereby Spectrum Laboratories,
Inc. ("SLI") and its subsidiaries (collectively, the "Company") may, through the
grant of options to purchase shares of common stock of SLI, attract and retain
persons of ability to serve as key employees, members of the Board of Directors,
and consultants and motivate such individuals to exert their best efforts on
behalf of the Company.

         2.SHARES SUBJECT TO THE PLAN. Options may be granted by SLI from time
to time to eligible individuals to purchase an aggregate of 300,000 shares of
common stock, $.01 par value, of SLI (the "Common Stock") and 300,000 of such
shares shall be reserved for issuance upon exercise of options granted under the
Plan (subject to adjustment as provided in Section 5(h)).

         3. ELIGIBILITY. Options may be granted under the Plan to employees of
the Company, including officers, who are designated as key employees by the
Committee (as defined in Section 4). Members of the Board of Directors and
consultants of the Company selected by the Committee shall also be eligible to
receive options under the Plan.

         4. ADMINISTRATION OF THE PLAN. The Plan shall be administered by a
committee of disinterested persons appointed by the Board of Directors of SLI as
constituted from time to time (the "Committee"). The Committee shall consist of
at least two members of the Board of Directors chosen by the Board. During the
one year prior to commencement of service of the Committee, Committee members
will not have participated in, and while serving, such members shall not be
eligible for selection as a person to whom stock may be allocated or to whom
stock options or stock appreciation rights may be granted under the Plan or any
other discretionary plan of the Company under which participants are entitled to
acquire stock, stock options or stock appreciation rights of the Company.

          Subject to provisions of the Plan, the Committee shall have the
authority to:

         (a) determine and designate from time to time those eligible
individuals to whom options are to be granted and the number of shares to be
optioned to each individual: provided, however, that no option shall be granted
after the expiration of the period of ten years from the effective date of the
Plan specified in Section 10;

         (B) determine the time or times and the manner in which each option
shall be exercisable and the duration of the exercise period;

         (c) extend the term of any option (including extension by reason of any
optionee's death, permanent disability or retirement; and

          (d) issue options under the Plan either as incentive stock options in
accordance with the requirements of Section 422 of the Internal Revenue Code of
1986, as amended (the "Code"), or as nonstatutory options.

          The Committee may interpret the Plan, prescribe, amend and rescind any
rules and regulations necessary or appropriate for the administration of the
Plan, and make such other

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determinations to take such other actions as it deems necessary or advisable.
Any interpretation, determination or other action made or taken by the Committee
shall be final, binding and conclusive.

          5. TERMS AND CONDITIONS OF OPTIONS. Each option granted under the Plan
shall be evidenced by an option agreement in form approved by the Committee from
time to time, which the option thereunder is granted and shall provide that the
option shall be subject to the following express terms and conditions and to
such other terms and conditions as the Committee may deem appropriate from time
to time:

          (a) OPTION PERIOD. Each option agreement shall specify the period for
which the option thereunder is granted and shall provide that the option shall
expire at the end of such period. No option granted under the Plan may be
exercisable after the expiration of ten years from the date of the option is
granted; provided, however, that any incentive option granted to any person then
owning more than 10 percent of the voting power of all classes of stock of (i)
SLI, or (ii) any subsidiary of SLI, shall not be exercisable after the
expiration of five years from the date such option is granted.

          (b) OPTION PRICE. The option price per share shall be determined by
the Committee at the time any option is granted, and shall be not less than the
fair market value of a share of Common Stock on the date the option is granted,
as determined by the Committee.

          (c) EXERCISE OF OPTION.

                   (1) In the case of an optionee who is an employee, no part of
          any option may be exercised until the optionee shall have remained in
          the employ of the Company for such period after the date on which the
          option is granted as the Committee may specify in the option
          agreement, and until such other conditions as specified in the option
          agreement shall have been satisfied. Subject in each case to the
          provisions of paragraphs (a) through (c) and (e) of the Section 5, any
          option may be exercised, to the extent exercisable by its terms, at
          such time or times as may be determined by the Committee at the time
          of the grant.

                   (2) In the case of an optionee who is a Member of the Board
          of Directors or a consultant, the Committee may specify in the option
          agreement any requirements as to the period of time after the grant of
          the option that the optionee is required to be a member of the Board
          of Directors or a consultant to the Company or other conditions which
          shall be satisfied before the option is exercisable, in whole or in
          part. Any option may be exercised to the extent exercisable by its
          terms, at such time or times as may be determined by the Committee at
          the time of grant. The option agreement may also specify, among other
          things, the extent to which the option is exercisable in the event of
          the death or disability of the optionee, by whom the option is
          exercisable, and the requirements for exercise of the option in either
          of such events.

         (d) PAYMENT OF PURCHASE PRICE UPON EXERCISE. The purchase price of the
shares as to which an option shall be exercised shall be paid to the Company in
full at the time of exercise.

         (e) TERMINATION OF EMPLOYMENT. Any option agreement with an employee
under this Plan shall provide that:

<PAGE>

          (1) If prior to the expiration date of the option (the "expiration
date"), the employee shall for any reason whatsoever, other than (i) his
permanent and disability as defined in (2) below, or (ii) his death, cease to be
employed by the Company, any unexercised portion of the option granted shall
expire at the end of three months after termination of such employment, and
during such three month period the employee may exercise all or part of the then
unexercised portion of the option to the extent exercisable by its terms on the
date of such termination of employment;

          (2) If prior to the expiration date, the employee shall become
          permanently and totally disabled (within the meaning of Section
          22(e)(3) of the code), any unexercised portion of the option shall
          expire at the end of twelve months after termination of employment
          from the Company due to such permanent and total disability, then
          unexercised portion of the option which shall become immediately
          exercise all or part of the then unexercised portion of the option
          which shall become immediately exercisable on the date of such
          employee's death. Nothing in (1), (2) or (3) shall extend the time for
          exercising any option granted pursuant to the Plan beyond the
          expiration date.

          (f) TRANSFERABILITY OF OPTIONS. No option granted under the Plan and
no right arising under any such option shall be transferable other than by will
or by the laws of descent and distribution. During the lifetime of the optionee
an option shall be exercisable only by such optionee.

          (g) INVESTMENT REPRESENTATION. Each option agreement may contain an
undertaking that, upon demand by the Committee for such a representation, the
optionee (or any person acting under Section 5(e)) shall deliver to the
Committee at the time of any exercise of an option a written representation that
the shares to be acquired upon such exercise are to be acquired for investment
and not for resale or with a view to the distribution thereof. Upon such demand,
delivery of such representation prior to the delivery of any shares issued upon
exercise of an option and prior to the expiration of the option period shall be
a condition precedent to the right of the optionee of such other person to
purchase any shares.

          (h) ADJUSTMENTS IN EVENT OF CHANGE IN COMMON STOCK. In the event of
any change in the Common Stock by reason of any stock dividend,
recapitalization, reorganization, merger, consolidation, split-up, combination
or exchange of shares, or rights offering to purchase shares of Common Stock at
a price substantially below fair market value, or of any similar change
affecting the Common Stock, the number and kind of shares which thereafter may
be optioned and sold under the Plan and the number and kind of shares subject to
option in outstanding option agreements and the purchase price per share thereof
shall be appropriately adjusted consistent with such change in such manner as
the Committee may deem equitable to prevent substantial dilution or enlargement
of the rights granted to, or available for, participants in the Plan.

         (i) OPTIONEES TO HAVE NO RIGHTS AS STOCKHOLDERS. No optionee shall have
any rights as a stockholder with respect to any shares subject to option prior
to the date or which such optionee is recorded as the holder of such shares on
the records of the Company.

          (j) PLAN AND OPTION NOT TO CONFER RIGHTS WITH RESPECT TO CONTINUANCE
OF EMPLOYMENT. The Plan and any option granted under the Plan shall not confer
upon any optionee any right with respect to continuance of employment by the
Company, nor shall they interfere in any way with the right of the Company to
terminate such optionee's employment at any time.

<PAGE>

          6. LIMITATIONS. Incentive stock options shall not be granted under the
Plan which first become exercisable in any calendar year and which permit the
optionee to purchase shares of the Company having an aggregate value in excess
of $100,000, determined at the time of the grant of options. No optionee may
exercise incentive stock options during a calendar year for the purchase of
shares having an aggregate fair market value (determined at the time of the
grant of the options) exceeding $100,000, except and to the extent that such
options were first exercisable receding calendar years.

          7. PURCHASE PRICE. The purchase price for a share of the stock subject
to any option granted hereunder shall be not be less that the fair market value
of the stock on the date of the grant of the option, said fair market value to
be determined in good faith at the time of grant of such option by decision of
the committee; provided, however, that in the case of an incentive option
granted to any person then owning more that 10 percent of the voting power of
all classes of stock of (i) SLI, or (ii) any subsidiary of SLI, the purchase
price per share of the stock subject to option shall be not less than 110
percent of the fair market value of the stock on the date of the grant of the
option, determined in good faith as aforesaid.

          8. COMPLIANCE WITH LAWS AND REGULATIONS. The Plan, the grant and
exercise of options thereunder, and the obligation of the Company to sell and
deliver shares upon exercise of such options, shall be subject to all applicable
federal, state and other laws, including, without limitations, any withholdings
tax requirements, rules and regulations and to such approvals by any government
or regulatory agency as may be required. the Company shall not be required to
issue or deliver any certificates representing shares of Common Stock prior to
(i) the collection of an amount from the optionee sufficient to satisfy any
withholding tax requirements; (ii) the listing of such shares on any stock
exchange or other regulated market on which the Common Stock may then be listed;
(iii) the completion of any registration or qualification of such shares under
any federal, state or other law, or any ruling or regulation of any government
body which the Company shall, in its sole discretion, determine to be necessary
or advisable.

          9. AMENDMENT OR DISCONTINUANCE OF THE PLAN. The Board of Directors of
the Company may at any time amend, suspend or terminate the Plan; provided,
however, that subject to the provisions of Section 5(h), no action of the Board
may (i) increase the number of shares reserved for issuance upon exercise of
options pursuant to Section 2, or (ii) permit the granting of any option at an
option price less than that determined in accordance with Section 5(b). Without
the written consent of an optionee, no amendment, discontinuance or termination
of the Plan shall alter or impair any option previously granted to him under the
Plan.

          10. EFFECTIVE DATE OF THE PLAN AND JURISDICTION. The effective date of
the Plan shall be the date of its adoption by the Board of Directors, subject to
its approval by the stockholders of SLI within twelve months of the date of its
adoption. Not withstanding the foregoing, if the Plan shall have been approved
by the Board prior to such stockholder approval, options may he granted by the
Committee as provided herein subject to such subsequent stockholder approval.
This Plan shall be governed by the internal laws of the State of Delaware.

         11. NAME. The Plan shall be known as the "Spectrum Laboratories, Inc.
2000 Stock Option Plan".

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