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Household Consumer Loan Trust, Series 1996-1
Deposit Trust Calculations
Previous Due Period Ending Apr 30, 2000
Current Due Period Ending May 31, 2000
Prior Distribution Date May 12, 2000
Distribution Date Jun 14, 2000
<S> <C>
Beginning Trust Principal Receivables 3,585,662,165.33
Average Principal Receivables 4,239,012,155.99
FC&A Collections (Includes Recoveries) 69,585,368.69
Principal Collections 133,408,417.36
Additional Balances 54,678,732.34
Net Principal Collections 78,729,685.02
Defaulted Amount 29,002,940.20
Miscellaneous Payments 0.00
Principal Recoveries 1,862,795.00
Beginning Participation Invested Amount 272,081,942.58
Beginning Participation Unpaid Principal Balance 272,081,942.58
Ending Participation Invested Amount 265,167,099.95
Ending Participation Unpaid Principal Balance 265,167,099.95
Accelerated Amortization Date Feb 28, 2001
Is it the Accelerated Amortization Period? 0=No 0
OC Balance as % of Ending Participation Invested 9.521%
Amount (3 month average)
Is it Early Amortization? (No, if 3 month OC 0
Average >or=4.75%)
Investor Finance Charges and Administrative
Collections
Numerator for Floating Allocation 272,081,942.58
Numerator for Fixed Allocation 279,679,119.37
Denominator - Max(Sum of Numerators, Principal 4,239,012,155.99
Receivables)
Applicable Allocation Percentage 6.4185%
Investor FC&A Collections 4,466,352.44
Series Participation Interest Default Amount
Numerator for Floating Allocation 272,081,942.58
Denominator - Max(Sum of Numerators, Principal 4,239,012,155.99
Receivables)
Floating Allocation Percentage 6.4185%
Series Participation Interest Default Amount 1,861,560.20
Principal Allocation Components
Numerator for Floating Allocation 272,081,942.58
Numerator for Fixed Allocation 279,679,119.37
Denominator - Max(Sum of Numerators, Principal 4,239,012,155.99
Receivables)
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Series Participation Interest Monthly Interest
(a) Series Participation Interest Pass Through 7.5000%
Rate, [Max(b,c)]
(b) Prime Rate minus 1.50% 7.5000%
(c) Rate Sufficient to Cover Interest, Yield and 6.1086%
Accelerated Principal Pmt Amount
(d) Series Participation Interest Unpaid 272,081,942.58
Principal Balance
(e) Actual days in the Interest Period 33
Series Participation Monthly Interest, [a*d*e] 1,870,563.36
Series Participation Interest Interest Shortfall 0.00
Previous Series Participation Interest Interest 0.00
Shortfall
Additional Interest 0.00
Series Participation Interest Monthly Principal
Available Investor Principal Collections, [a+m+n] 6,914,842.63
(a) Investor Principal Collections, [Max(b,h) or 5,053,282.43
e]
(b) prior to Accelerated Amort. Date or not Early 5,053,282.43
Amort. Period, [c*d]
(c) Floating Allocation Percentage 6.4185%
(d) Net Principal Collections 78,729,685.02
(e) after Accelerated Amort Date or Early Amort 8,801,944.25
Period, [f*g]
(f) Fixed Allocation Percentage 6.5977%
(g) Collections of Principal
133,408,417.36
(h) Minimum Principal Amount, [Min(i,l)] 3,035,914.77
(i) Floating Allocation Percentage of Principal 8,562,849.08
Collections
(j) 1.8% of the Series Participation Interest 4,897,474.97
Invested Amount
(k) Series Participation Interest Net Default 1,861,560.20
Payment Amount
(l) the excess of (j) over (k) 3,035,914.77
(m) Series Participation Interest Net Default 1,861,560.20
Payment Amount
(n) Optional Repurchase Amount (principal only) 0.00
at Sec. 9
Application of Investor Finance Charges and Admin
Collections
Investor Finance Charges and Admin. Collections 4,466,352.44
[Sec. 4.11(a)]
Series Servicing Fee paid if HFC is not the 0.00
Servicer [Sec. 4.11(a)(i)]
plus any unpaid Series Servicing Fee of other 0.00
than HFC
Series Participation Interest Monthly Interest 1,870,563.36
[Sec. 4.11(a)(ii)]
Series Participation Interest Interest Shorfall 0.00
[Sec. 4.11(a)(ii)]
Additional Interest [Sec. 4.11(a)(ii)] 0.00
Series Participation Interest Default Amount 1,861,560.20
[Sec. 4.11(a)(iii)]
Reimbursed Series Participation Interest Charge- 0.00
Offs [Sec. 4.11(a)(iv)]
Servicing Fee Paid [Sec. 4.11(a)(v)] 453,469.90
Excess [Sec. 4.11(a)(vi)] 280,758.98
Series Participation Investor Charge Off [Sec. 0.00
4.12(a)]
Seller's Interest
1,469,928,117.17
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<TABLE>
Household Consumer Loan Trust, 1996-1
Series 1996-1 Owner Trust
Calculations
Due Period Ending May 31, 2000
Payment Date Jun 15, 2000
Calculation of Interest Expense
Index (LIBOR) 6.522500%
Accrual end date, Jun 15, 2000
accrual beginning date May 15, 2000
and days in Interest Period 31
<S> <C> <C> <C> <C>
Class A Class B Certificates Overcoll
Amount
Beginning Unpaid Principal Balance 141,424,344 95,228,680 9,522,868 25,906,051
Previously unpaid interest/yield 0 0 0
Spread to index 0.22% 0.60% 1.00%
Rate (capped at 13%, 15%, 16%) 6.742500% 7.122500% 7.522500%
Interest/Yield Payable on the 821,116 584,063 61,686
Principal Balance
Interest on previously unpaid 0 0 0
interest/yield
Interest/Yield Due 821,116 584,063 61,686
Interest/Yield Paid 821,116 584,063 61,686
Summary
Beginning Security Balance 141,424,344 95,228,680 9,522,868 25,906,051
Beginning Adjusted Balance 141,424,344 95,228,680 9,522,868
Principal Paid 3,594,135 2,420,195 242,020 715,177
Ending Security Balance 137,830,208 92,808,485 9,280,848 25,247,558
Ending Adjusted Balance 137,830,208 92,808,485 9,280,848
Ending Certificate Balance as % 0
Participation Interest Invested
Amount
Targeted Balance 137,886,892 92,808,485 9,280,848
Minimum Adjusted Balance 49,000,000 4,900,000 13,300,000
Certificate Minimum Balance 8,035,624
Ending OC Amount as Holdback 25,247,558
Amount
Ending OC Amount as Accelerated 0
Prin Pmts
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Beginning Net Charge offs 0 0 0 0
Reversals 0 0 0 0
Charge offs 0 0 0 0
Ending Net Charge Offs 0 0 0 0
Interest/Yield Paid per $1000 $1.2862087 $4.2868668 $2.4233152
Principal Paid per $1000 $5.6299114 $17.7635972 $9.5076047
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<TABLE>
Series 1996-1 Owner Trust Calculations
Due Period May 2000
Payment Date Jun 15, 2000
<S> <C>
Optimum Monthly Principal [a+b+c]
(a) Available Investor Principal Collections 6,914,842.63
(b) Series Participation Interest Charge Offs 0.00
(c) Lesser of Excess Interest and Carryover 0.00
Charge offs
Accelerated Principal Payment 56,683.74
Series Participation Interest Monthly Interest 1,870,563.36
Allocation of Optimum Monthly Principal and
Series Part. Interest Monthly Interest
Interest and Yield
Pay Class A Interest Distribution- Sec. 821,115.63
3.05(a)(i)(a)
Pay Class B Interest Distribution- Sec. 584,062.62
3.05(a)(i)(b)
Pay Certificates the Certificate Yield- Sec. 61,686.36
3.05(a)(i)(c)
Principal up to Optimum Monthly Principal Balance
Pay Class A to Targeted Principal Balance- Sec. 3,537,451.69
3.05(a)(ii)(a)
Pay Class B to Targeted Principal Balance 2,420,194.91
subject to Min Adj Bal- Sec. 3.05(a)(ii)(b)
Pay Certificate Yield if not paid pursuant to 0.00
Sec. 3.05 (a)(i)(c)
Principal up to Optimal Monthly Principal
Pay Certificate to Targeted Principal Balance 242,019.50
subject to Min Adj Bal- Sec. 3.05(a)(iii)
Pay OC Remaining Optimal Monthly Prin Amt 715,176.53
subject to OC Min Bal- Sec. 3.05(a)(iv)
Principal up to Accelerated Principal Payment
Amout
Pay Class A to Targeted Principal Balance 0.00
subject to Min Adj Bal- Sec. 3.05(a)(v)(a)
Pay Class B to Targeted Principal Balance 0.00
subject to Min Adj Bal- Sec. 3.05(a)(v)(b)
Pay Class A to zero- Sec. 3.05(a)(v)(c) 56,683.74
Pay Class B to zero- Sec. 3.05(a)(v)(d) 0.00
Principal up to Optimal Monthly Principal
Pay Class A to zero- Sec. 3.05(a)(vi)(a) 0.00
Pay Class B to zero- Sec. 3.05(a)(vi)(b) 0.00
Pay Certificates up to Certificate Minimum 0.00
Balance or zero- Sec. 3.05(a)(vi)(c)
Pay HCLC Optimum Monthly Principal provided OC 0.00
>0- Sec. 3.05(a)(vi)(d)
Remaining Amounts to Holder of Designated 347,015.01
Certificate - Sec. 3.05(a)(vii)
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Allocations of Distributions to
Overcollateralization Amount
Available Distributions
Pay OC Remaining Optimal Monthly Prin Amt 715,176.53
subject to OC Min Bal- Sec. 3.05(a)(iv)
Pay HCLC Optimum Monthly Principal provided 0.00
OC >0- Sec. 3.05(a)(vi)
To Designated Certificate Holder up to total 56,683.74
Accelerated Principal Payments
To Designated Certificate Holder up to Holdback 658,492.79
Amount
To HCLC any remaining amounts 0.00
Principal paid to the Designated Certificate 2,427.86
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