Document:

<PAGE>

                                                                   EXHIBIT 10.28

                               FIFTH AMENDMENT TO
                         RECEIVABLES TRANSFER AGREEMENT

         This Fifth Amendment to Receivables Transfer Agreement (this
"Amendment") is entered into as of February 14, 2002, by and among Bentley
Mills, Inc., a Delaware corporation ("Bentley"), Chatham Marketing Co., a North
Carolina corporation ("Chatham"), Guilford of Maine Marketing Co., a Nevada
corporation ("Guilford"), Intek Marketing Co., a Nevada corporation ("Intek"),
Interface Americas, Inc., a Georgia corporation ("Interface Americas"),
Interface Architectural Resources, Inc., a Michigan corporation ("Interface
Architectural"), Interface Flooring Systems, Inc., a Georgia corporation
("Interface Flooring"), Pandel, Inc., a Georgia corporation ("Pandel"), and
Toltec Fabrics, Inc., a Georgia corporation ("Toltec" and together with Bentley,
Chatham, Guilford, Intek, Interface Americas, Interface Architectural, Interface
Flooring and Pandel, the "Original Sellers" and, individually, an "Original
Seller"), and Interface, Inc., a Georgia corporation, as Originator
("Originator"). Unless defined elsewhere herein, capitalized terms used in this
Amendment shall have the meanings assigned to such terms in the Transfer
Agreement (as defined below) (or, if not defined in the Transfer Agreement, the
meaning assigned to such term in the Purchase Agreement).

                             PRELIMINARY STATEMENTS

         Each of the Original Sellers and Originator are party to a certain
Receivables Transfer Agreement, dated as of December 19, 2000 and as amended,
restated, supplemented or otherwise modified from time to time and in effect
immediately prior to the date hereof (the "Transfer Agreement").

               Each of the Original Sellers has requested certain amendments to
certain provisions of the Transfer Agreement and Originator desires to make such
amendments on the terms and conditions set forth herein, all as more fully
described herein.

                                    AGREEMENT

         NOW, THEREFORE, in consideration of the premises, and for other good
and valuable consideration, the receipt and sufficiency of which are hereby
acknowledged, the parties hereto hereby agree as follows:

                                                              FIFTH AMENDMENT TO
                                                  RECEIVABLES TRANSFER AGREEMENT
<PAGE>

         1.       Amendment. Subject to the terms and conditions set forth
herein and upon the effectiveness of this Amendment:

                  (a)      Clause (B) of the proviso contained in the last
sentence of Section 4.1(d) of the Sale Agreement is hereby amended and restated
in its entirety as follows:

                  "(B) such cost shall be born by such Original Seller not more
         than twice per calendar year per Original Seller (although in no event
         shall the foregoing be construed to limit Originator (and its assigns)
         or their respective agents or representatives to two such examinations
         and/or visits of such Original Seller during such calendar year
         period)"

         2.       Representations and Warranties. Each Original Seller
represents and warrants, as of the date hereof, that both before and after
giving effect to this Amendment:

                  (a)      all of the representations and warranties of such
Original Seller contained in the Transfer Agreement and in each other document
or certificate delivered in connection therewith are true and correct; and

                  (b)      no Termination Event or Potential Termination Event
has occurred and is continuing.

         3.       Conditions to Effectiveness of Amendment. This Amendment shall
become effective as of the date hereof upon the satisfaction of the following
conditions precedent:

                  (a)      Amendment. This Amendment shall have been duly
executed and delivered by each of the parties hereto.

                  (b)      Officer's Certificate. The Originator shall have
received a certificate of each of the Original Sellers, in substantially the
form of Exhibit A hereto, certifying as to matters set forth in Sections 2(a)
and (b) of this Amendment.

                                                              FIFTH AMENDMENT TO
                                                  RECEIVABLES TRANSFER AGREEMENT

                                        2

<PAGE>

         4.       Effect of Amendment.

                  (a)      The amendments set forth herein are effective solely
for the purposes set forth herein and shall be limited precisely as written, and
shall not be deemed to (i) be a consent to any amendment, waiver or modification
of any other term or condition of the Transfer Agreement or of any other
instrument or agreement referred to therein, or (ii) prejudice any right or
remedy that the Originator, SPV, any Financial Institution, the Company or the
Agent may now have or may have in the future under or in connection with the
Transfer Agreement, as amended hereby, or any other instrument or agreement
referred to therein. Each reference in the Transfer Agreement to "this
Agreement," "herein," "hereof" and words of like import and each reference in
the other Transaction Documents to the "Transfer Agreement" or "Receivables
Transfer Agreement" shall mean the Transfer Agreement as amended hereby. This
Amendment shall be construed in connection with and as part of the Transfer
Agreement and all terms, conditions, representations, warranties, covenants and
agreements set forth in the Transfer Agreement and each other instrument or
agreement referred to therein, except as herein amended, are hereby ratified and
confirmed and shall remain in full force and effect.

                  (b)      This Amendment is a Transaction Document executed
pursuant to the Transfer Agreement and shall be construed, administered and
applied in accordance with the terms and provisions thereof.

                  (c)      Each of the Original Sellers hereby jointly and
severally agrees to pay all reasonable costs, fees and expenses in connection
with the preparation, execution and delivery of this Amendment (including the
reasonable fees and expenses of counsels to the Originator and its assigns).

                  (d)      This Amendment may be executed in any number of
counterparts, each such counterpart constituting an original and all of which
when taken together shall constitute one and the same instrument. Delivery of an
executed counterpart of a signature page hereto by facsimile shall be effective
as delivery of an originally executed counterpart of this Amendment; provided
that each party hereto agrees to deliver originally executed counterparts of
this Amendment on a timely basis.

                  (e)      Any provision contained in this Amendment that is
held to be inoperative, unenforceable or invalid in any jurisdiction shall, as
to that jurisdiction, be inoperative, unenforceable or invalid without affecting
the operation, enforceability or

                                                              FIFTH AMENDMENT TO
                                                  RECEIVABLES TRANSFER AGREEMENT

                                        3

<PAGE>

validity of the remaining provisions of this Amendment in that jurisdiction or
the operation, enforceability or validity of such provision in any other
jurisdiction.

                  (f)      THIS AMENDMENT SHALL BE GOVERNED BY, AND CONSTRUED IN
ACCORDANCE WITH, THE LAWS OF THE STATE OF NEW YORK.

                            (SIGNATURE PAGES FOLLOW)

                                                              FIFTH AMENDMENT TO
                                                  RECEIVABLES TRANSFER AGREEMENT

                                        4

<PAGE>

         IN WITNESS WHEREOF, the parties hereto have caused this Amendment to
be executed and delivered by their duly authorized officers as of the date
hereof.

                                    BENTLEY MILLS, INC.,
                                    as an Original Seller

                                    By: /s/ Patrick C. Lynch
                                       -----------------------------------------
                                       Name:  Patrick C. Lynch
                                       Title: Vice President

                                    CHATHAM MARKETING CO.,
                                    as an Original Seller

                                    By: /s/ Patrick C. Lynch
                                       -----------------------------------------
                                       Name:  Patrick C. Lynch
                                       Title: Vice President

                                    GUILFORD OF MAINE MARKETING CO.,
                                    as an Original Seller

                                    By: /s/ Patrick C. Lynch
                                       -----------------------------------------
                                       Name:  Patrick C. Lynch
                                       Title: Vice President

                                    INTEK MARKETING CO.,
                                    as an Original Seller

                                    By: /s/ Patrick C. Lynch
                                       -----------------------------------------
                                       Name: Patrick C. Lynch
                                       Title Vice President

                                    INTERFACE AMERICAS, INC.,
                                    as an Original Seller

                                    By: /s/ Patrick C. Lynch
                                       -----------------------------------------
                                       Name:  Patrick C. Lynch
                                       Title: Vice President

                                                              FIFTH AMENDMENT TO
                                                  RECEIVABLES TRANSFER AGREEMENT
<PAGE>

                                    INTERFACE ARCHITECTURAL RESOURCES,
                                    INC., as an Original Seller

                                    By: /s/ Patrick C. Lynch
                                       -----------------------------------------
                                       Name:  Patrick C. Lynch
                                       Title: Vice President

                                    INTERFACE FLOORING SYSTEMS, INC.,
                                    as an Original Seller

                                    By: /s/ Patrick C. Lynch
                                       -----------------------------------------
                                       Name:  Patrick C. Lynch
                                       Title: Vice President

                                    PANDEL, INC.,
                                    as an Original Seller

                                    By: /s/ Patrick C. Lynch
                                       -----------------------------------------
                                       Name:  Patrick C. Lynch
                                       Title: Vice President

                                    TOLTEC FABRICS, INC.,
                                    as an Original Seller

                                    By: /s/ Patrick C. Lynch
                                       -----------------------------------------
                                       Name:  Patrick C. Lynch
                                       Title: Vice President

                                    INTERFACE, INC.

                                    By: /s/ Patrick C. Lynch
                                       -----------------------------------------
                                       Name:  Patrick C. Lynch
                                       Title: Vice President

                                                              FIFTH AMENDMENT TO
                                                  RECEIVABLES TRANSFER AGREEMENT
<PAGE>

                                    EXHIBIT A

                              OFFICER'S CERTIFICATE

         I,                  , am the Assistant Secretary of each of Bentley
Mills, Inc., a Delaware corporation, Chatham Marketing Co., a North Carolina
corporation, Guilford of Maine Marketing Co., a Nevada corporation, Intek
Marketing Co., a Nevada corporation, Interface Americas, Inc., a Georgia
corporation, Interface Architectural Resources, Inc., a Michigan corporation,
Interface Flooring Systems, Inc., a Georgia corporation, Pandel, Inc., a Georgia
corporation, and Toltec Fabrics, Inc., a Georgia corporation (each of the
foregoing, an "Original Seller", and collectively, the "Original Sellers"). I
execute and deliver this Officer's Certificate, dated as of February 14, 2002,
on behalf of each Original Seller pursuant to Section 3(b) of that certain Fifth
Amendment to Receivables Transfer Agreement (the "Amendment"), dated as of the
date hereof, by and among the Original Sellers and Interface, Inc., a Georgia
corporation, as Originator (the "Originator"), which Fifth Amendment amends
certain terms and provisions of that certain Receivables Transfer Agreement,
dated as of December 19, 2000, by and among the Original Sellers and the
Originator (as amended, restated, supplemented or otherwise modified from time
to time, the "Transfer Agreement"). Capitalized terms used in this Officer's
Certificate and not otherwise defined herein shall have the respective meanings
set forth in the Transfer Agreement.

         I hereby certify, on behalf of each of the Original Sellers, that, both
before and after giving effect to the Amendment, (a) no Termination Event or
Potential Termination Event has occurred and is continuing and (b) the
representations and warranties of such Original Seller contained in the Transfer
Agreement and in the other Transaction Documents are true and correct as of the
date hereof.

                                    By:
                                       -----------------------------------------
                                    Name:
                                    Title: Assistant Secretary

                                                              FIFTH AMENDMENT TO
                                                  RECEIVABLES TRANSFER AGREEMENT<PAGE>

                                                                   EXHIBIT 10.33

                               FIRST AMENDMENT TO
                           RECEIVABLES SALE AGREEMENT

         This First Amendment to Receivables Sale Agreement (this "Amendment")
is entered into as of November 21, 2001, by and between Interface, Inc., a
Georgia corporation ("Originator"), and Interface Securitization Corporation, a
Delaware corporation ("Buyer"). Unless defined elsewhere herein, capitalized
terms used in this Amendment shall have the meanings assigned to such terms in
the Sale Agreement (as defined below) (or, if not defined therein, the meaning
assigned to such term in the Purchase Agreement).

                             PRELIMINARY STATEMENTS

         Each of the parties hereto entered into a certain Receivables Sale
Agreement, dated as of December 19, 2000 and as amended, restated, supplemented
or otherwise modified from time to time and in effect immediately prior to the
date hereof (the "Sale Agreement").

         Originator has requested certain amendments to provisions of the Sale
Agreement in order to permit the pledging of certain assets by Originator; and,
Buyer desires to make such amendments as more fully described herein.

                                    AGREEMENT

         NOW, THEREFORE, in consideration of the premises, and for other good
and valuable consideration, the receipt and sufficiency of which are hereby
acknowledged, the parties hereto hereby agree as follows:

         1.       Amendments. Subject to the terms and conditions set forth
herein and upon the effectiveness of this Amendment:

                  (a)      Section 2.1(o) of the Sale Agreement is hereby
amended by adding the following words to the end of the first sentence in such
section, "(other than a Permitted Adverse Claim)".

                                                              FIRST AMENDMENT TO
                                                      RECEIVABLES SALE AGREEMENT
<PAGE>

                  (b)      Section 4.2(d) of the Sale Agreement is hereby
amended by adding the following words to the end of the last sentence in such
section, ", other than an Adverse Claim in favor of the Collateral Agent (under
and as defined in the Interface Credit Facilities)".

                  (c)      Section 5.1(j) of the Sale Agreement is hereby
amended by adding the following words, "(other than a Permitted Adverse Claim)"
after the words, "any Adverse Claims" in such section.

         2.       Representations and Warranties. The Originator represents and
warrants, as of the date hereof, that both before and after giving effect to
this Amendment:

                  (a)      all of the representations and warranties of the
Originator contained in the Sale Agreement and in each other document or
certificate delivered in connection therewith are true and correct; and

                  (b)      no Termination Event or Potential Termination Event
has occurred and is continuing.

         3.       Conditions to Effectiveness of Amendment. The effectiveness of
this Amendment is subject to the satisfaction of the following conditions
precedent:

                  (a)      Amendment. This Amendment shall have been duly
executed and delivered by each of the parties hereto.

                  (b)      Officer's Certificate. The Buyer shall have received
a certificate of the Originator, in the form of Exhibit A hereto, certifying as
to matters set forth in Sections 2(a) and (b) of this Amendment.

                  (c)      Waivers and Amendments. The Buyer shall have received
duly executed copies of (i) all consents from and authorizations by any Persons
and (ii) all waivers and amendments to existing credit facilities, that are
necessary in connection with this Amendment.

                                                              FIRST AMENDMENT TO
                                                      RECEIVABLES SALE AGREEMENT

                                        2

<PAGE>

         4.       Effect of Amendment.

                  (a)      The amendments set forth herein are effective solely
for the purposes set forth herein and shall be limited precisely as written, and
shall not be deemed to (i) be a consent to any amendment, waiver or modification
of any other term or condition of the Sale Agreement or of any other instrument
or agreement referred to therein, or (ii) prejudice any right or remedy that the
Buyer, the Agent, any Financial Institution or the Company may now have or may
have in the future under or in connection with the Sale Agreement, as amended
hereby, or any other instrument or agreement referred to therein. Each reference
in the Sale Agreement to "this Agreement," "herein," "hereof" and words of like
import and each reference in the other Transaction Documents to the "Sale
Agreement" or "Receivables Sale Agreement" shall mean the Sale Agreement, as
amended hereby. This Amendment shall be construed in connection with and as part
of the Sale Agreement and all terms, conditions, representations, warranties,
covenants and agreements set forth in the Sale Agreement and each other
instrument or agreement referred to therein, except as herein amended, are
hereby ratified and confirmed and shall remain in full force and effect.

                  (b)      This Amendment is a Transaction Document executed
pursuant to the Sale Agreement and shall be construed, administered and applied
in accordance with the terms and provisions thereof.

                  (c)      The Originator hereby agrees to pay all reasonable
costs, fees and expenses in connection with the preparation, execution and
delivery of this Amendment (including the reasonable fees and expenses of
counsels to the Buyer and its assigns).

                  (d)      This Amendment may be executed in any number of
counterparts, each such counterpart constituting an original and all of which
when taken together shall constitute one and the same instrument. Delivery of an
executed counterpart of a signature page hereto by facsimile shall be effective
as delivery of an originally executed counterpart of this Amendment; provided
that each party hereto agrees to deliver originally executed counterparts of
this Amendment on a timely basis.

                  (e)      Any provision contained in this Amendment that is
held to be inoperative, unenforceable or invalid in any jurisdiction shall, as
to that jurisdiction,

                                                              FIRST AMENDMENT TO
                                                      RECEIVABLES SALE AGREEMENT

                                       3

<PAGE>

be inoperative, unenforceable or invalid without affecting the operation,
enforceability or validity of the remaining provisions of this Amendment in that
jurisdiction or the operation, enforceability or validity of such provision in
any other jurisdiction.

                  (f)      THIS AMENDMENT SHALL BE GOVERNED BY, AND CONSTRUED IN
ACCORDANCE WITH, THE LAWS OF THE STATE OF NEW YORK.

                            (SIGNATURE PAGE FOLLOWS)

                                                              FIRST AMENDMENT TO
                                                      RECEIVABLES SALE AGREEMENT

                                        4

<PAGE>

         IN WITNESS WHEREOF, the parties hereto have caused this Amendment to be
executed and delivered by their duly authorized officers as of the date hereof.

                                    INTERFACE, INC.

                                    By: /s/ Patrick C. Lynch
                                       -----------------------------------------
                                    Name:  Patrick C. Lynch
                                    Title: Vice President and CFO

                                    INTERFACE SECURITIZATION CORPORATION

                                    By: /s/ Patrick C. Lynch
                                       -----------------------------------------
                                    Name:  Patrick C. Lynch
                                    Title: Vice President, Treasurer and
                                             Assistant Secretary

                                                              FIRST AMENDMENT TO
                                                      RECEIVABLES SALE AGREEMENT
<PAGE>

                                    EXHIBIT A

                              OFFICER'S CERTIFICATE

         I,                  , am the Secretary/Assistant Secretary of
Interface, Inc., a Georgia corporation ("Originator"). I execute and deliver
this Officer's Certificate, dated as of November 21, 2001, on behalf of
Originator pursuant to Section 3(b) of that certain First Amendment to
Receivables Sale Agreement (the "Amendment"), dated as of November 21, 2001, by
and among Originator and Interface Securitization Corporation, a Delaware
corporation, as Buyer ("Buyer"), which First Amendment amends certain terms and
provisions of that certain Receivables Sale Agreement, dated as of December 19,
2000, by and among Originator and Buyer (as amended, restated, supplemented or
otherwise modified from time to time, the "Sale Agreement"). Capitalized terms
used in this Officer's Certificate and not otherwise defined herein shall have
the respective meanings set forth in the Sale Agreement.

         I hereby certify, on behalf of Originator, that, both before and after
giving effect to the Amendment, (a) no Termination Event or Potential
Termination Event has occurred and is continuing and (b) the representations and
warranties of Originator contained in the Sale Agreement and in the other
Transaction Documents are true and correct as of the date hereof.

                                By:
                                   -----------------------------------------
                                Name:
                                Title: Secretary/Assistant Secretary of

                                                              FIRST AMENDMENT TO
                                                      RECEIVABLES SALE AGREEMENT

                                        6

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