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Business Description

To simplify the language in this Disclosure Document ‘We” or “Interface” means the franchisor. Interface Financial Corp., a company incorporated on June 7, 1994, in Delaware. "You" means the person who buys the franchise. We do business under our corporate name and the trade name The Interface Financial Group. Our principal business address is 7910 Woodman Avenue, Suite 1050, Bethesda, MD 208l4. We offer and sell franchises for invoice discounting businesses that purchase accounts receivable. We do not operate a business of the type described in this Disclosure Document. We do not sell, offer, or have any interest in any other franchise or business. Our agent or service of process is disclosed in Exhibit “C”

Prior Experience

We have no parent or predecessor. Our affiliate Central Atlantic Holding investment LLC' a Virginia limited liability company (“CAHI”) was organized September 26, 2008, and has its principal place of business at 7910 Woodmont Avenue, Suite 1050, Bethesda, Maryland 2Q814. CAHI conducts business under its entity name: CAHI does not operate a business of the type described in this Disclosure Document and has never offered franchises: in this or any other line of business: Our affiliate, IFG Network LLC, a Virginia limited liability company (“IFGN”) was organized May 7, 2007, and has its principal place of business at 7910 Woodmont Avenue, Suite 1050, BCthesda, Maryland 20814. IFGN conducts business under its entity name. IFGN has operated a business of the type described in this Disclosure Document since May 2007 and is an approved supplier of certain services (see Item 8). IFGN has never offered franchises if other line of business. The Interface Group Ltd: an Ontario corporation (“IGL”) is a wholly-owned subsidiary, and was incorporated in October 1987, and has its principal place of business at 8901 Woodbine Avenue, Suite 207, Maryland, ON, Canada L3R 9Y4. IGL is the owner of the Marks (defined below) and has licensed us the right to use toe Marks as further described in Item 13 below. IGL conducts business under its entity name. IGL operated a business of the type described in this Disclosure Document from 1987 to 1990. IGL has offered franchises of the type described in this Disclosure Document in Canada since October 1990, and had 26 franchises in Canada as of March 31, 2007: IGL does not offer franchises in the U.S. or in any other line of business in Canada.

Business Offered

We offer franchises for the operation of a “The Interface Financial Group - IFG 50-50” franchised business (toe “Business”) using our methods and system (“System”): You must Operate the Business according to our standards and specifications, and sign our franchise agreement (‘Franchise Agreement”) and related agreements (attached as Exhibit B). You can operate the Business from your home on a full- or part-time basis. You we not required to purchase any inventor or to hire any personnel. IFG 50:50 Program CAFDD 2019 under the. Franchise Agreement, we license to you the right to use the name “The Interface Financial Group” as well as all trademarks, trade names, service marks, slogans and logos containing that name and variations that we may make (the “Marks”). Periodically, businesses that sell goods or services on deferred terms such as 30,60, or 90 days, need short term funding and do not want to wait for their customers to pay their invoices. You purchase accounts receivables or book debts and related rights (“Receivables”) at discounted rates (generally at 80% of face value) from these businesses (‘clients”) and earn a profit when the full face value of the invoice for these Receivables (the “Invoice”) is paid., All purchases are guaranteed by the client so that when you purchase Receivables, the Client warrants or guarantees to you that payment will be received for the Invoice purchased. If you do not receive payment from the client's customer, the; Client must replace the unpaid Invoice with 'another Invoice of equal or greater value. Our service is available to any business with receivables that meet our criteria. You may offer your services to any business. You select the businesses that you want as Clients and the invoices that you want to purchase from each Client. Under the “EFG 50-50 Program” offered in this Disclosure Document, you must offer to our affiliate (currently IFGN) or our designee at least 50% of the participation in the purchase of Receivables from Clients of the Business (this process is referred to as “Syndication”). The terms of Syndication will be governed by our standard form of syndication agreement (“Syndication Agreement”), the form of which is attached to this Disclosure Document as Exhibit “D.” See Item 6 for more detail regarding Syndication. We have offered, prior to June 1, 2014, non-IFG 50-50 Program franchises under the Maries and System. Transactions normally occur at least monthly. Occasionally, if a franchisee is temporarily unable to operate the business, we may allow them to be inactive for up to 18 months. When the period agreed upon has elapsed, we review the situation with the franchisee and may continue the inactive status. However, in no case may a franchisee remain inactive for more than 18 months, at which point we would start the termination process. During the inactive period, no monies are owed to list by the franchisee, so there are no outstanding amounts due from any inactive franchisees

Initial Fees

You must pay us an initial fee of $34,500 (the “Initial Fee”) on the day that you sign the Franchise Agreement The Initial Fee is payable in a lump sum and is not refundable in consideration of administrative and other expenses that we incur in granting the franchise and for our lost or deferred opportunity to grant a franchise>to other parties. In our past fiscal year, the Initial Fees collected from new franchisees were uniform

Financing

We do not offer direct or indirect financing, and we do not guarantee your note, lease, or obligation

Franchisee Revenue and Profit

The FTC's Franchise Rule permits a franchisor to disclose Information about the actual or potential financial performance of its franchised and/or franchisor-owned outlets, if there is a reasonable basis for the information, and the information is included in the disclosure document. Financial performance information that differs front that included in Item 19 may be given only if: (1) a franchisor provides the actual records of an existing outlet you are considering buying; or (2) a franchisor supplements the information provided in this Item 19, for example, by providing information about performance at a particular location or under particular circumstances. We provide below historical information relating to the Average Yield (defined below) for franchisee participation in Syndications during the 2018 fiscal year (January 1, 2018 through December 31, 2018). Note that syndications are the type of franchises that we are offering. (Please read the; information below in conjunction with the notes that follow.)