A fabric substrate having a surface, a portion of which is coated with a finish, wherein said finish comprises at least one silver-ion containing compound selected from the group consisting of silver zirconium phosphate, silver zeolite, silver glass, and any mixtures thereof, and at least one halide-containing compound, wherein said halide-containing compound is present in an amount measured as a molar ratio between the amount of halide ions present and the amount of silver ions present, wherein said range is from 5:1 to 1:10, and wherein said finish is substantially free from alkali metal ions.