I understood what you meant by "SD Card root". I simply call it "X" as it's quicker to type out than "SD Card root".
In any event, 2013.10.img may not work because the firmware may treat it as a double extension. Rename it to 2013_10.img and you should be fine. Personally, since the name of the file can be anything, it won't hurt to be more descriptive, e.g. North America 2013-10.img.
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