Does Centennial have any liability or obligation to the All Team user?

According to All Team's 2025 Franchise Disclosure Document, Centennial Bank has no liability or obligation to the All Team user. The Funding Agreement outlines the relationship between All Team Franchise Corporation (ATFC) and the user, with a separate agreement existing between ATFC and Centennial Bank. The document explicitly states that Centennial has no obligations to the user.

This arrangement means that All Team franchisees (referred to as "USER" in the document) cannot seek recourse from Centennial Bank for any issues arising from the Funding Agreement. The franchisee's financial relationship is solely with ATFC, and ATFC's financial arrangements with Centennial Bank do not create any liability for Centennial towards the franchisee.

Prospective franchisees should be aware that their financial interactions and any disputes related to funding are to be resolved directly with ATFC. Centennial Bank's role is limited to its agreement with ATFC, and it remains separate from the franchisee's operations and financial obligations.