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Household Consumer Loan Trust, Series 1996-1
Deposit Trust Calculations
Previous Due Period Ending Aug 31, 2000
Current Due Period Ending Sep 30, 2000
Prior Distribution Date Sep 14, 2000
Distribution Date Oct 13, 2000
<S> <C>
Beginning Trust Principal Receivables 3,836,588,097.46
Average Principal Receivables 3,836,428,089.12
FC&A Collections (Includes Recoveries) 62,563,942.68
Principal Collections 109,782,387.69
Additional Balances 45,086,252.81
Net Principal Collections 64,696,134.88
Defaulted Amount 24,564,851.61
Miscellaneous Payments 0.00
Principal Recoveries 1,153,850.68
Beginning Participation Invested Amount 246,238,507.00
Beginning Participation Unpaid Principal Balance 246,238,507.00
Ending Participation Invested Amount 240,509,351.77
Ending Participation Unpaid Principal Balance 240,509,351.77
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 Average 0
>or=4.75%)
Investor Finance Charges and Administrative
Collections
Numerator for Floating Allocation 246,238,507.00
Numerator for Fixed Allocation 252,185,639.82
Denominator - Max(Sum of Numerators, Principal 3,836,428,089.12
Receivables)
Applicable Allocation Percentage 6.4184%
Investor FC&A Collections 4,015,623.77
Series Participation Interest Default Amount
Numerator for Floating Allocation 246,238,507.00
Denominator - Max(Sum of Numerators, Principal 3,836,428,089.12
Receivables)
Floating Allocation Percentage 6.4184%
Series Participation Interest Default Amount 1,576,678.16
Principal Allocation Components
Numerator for Floating Allocation 246,238,507.00
Numerator for Fixed Allocation 252,185,639.82
Denominator - Max(Sum of Numerators, Principal 3,836,428,089.12
Receivables)
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Series Participation Interest Monthly Interest
(a) Series Participation Interest Pass Through Rate, 8.0000%
[Max(b,c)]
(b) Prime Rate minus 1.50% 8.0000%
(c) Rate Sufficient to Cover Interest, Yield and 7.0467%
Accelerated Principal Pmt Amount
(d) Series Participation Interest Unpaid Principal 246,238,507.00
Balance
(e) Actual days in the Interest Period 29
Series Participation Monthly Interest, [a*d*e] 1,586,870.38
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] 5,729,155.23
(a) Investor Principal Collections, [Max(b,h) or e] 4,152,477.07
(b) prior to Accelerated Amort. Date or not Early 4,152,477.07
Amort. Period, [c*d]
(c) Floating Allocation Percentage 6.4184%
(d) Net Principal Collections 64,696,134.88
(e) after Accelerated Amort Date or Early Amort 7,216,489.15
Period, [f*g]
(f) Fixed Allocation Percentage 6.5734%
(g) Collections of Principal
109,782,387.69
(h) Minimum Principal Amount, [Min(i,l)] 2,855,614.97
(i) Floating Allocation Percentage of Principal 7,046,307.30
Collections
(j) 1.8% of the Series Participation Interest 4,432,293.13
Invested Amount
(k) Series Participation Interest Net Default Payment 1,576,678.16
Amount
(l) the excess of (j) over (k) 2,855,614.97
(m) Series Participation Interest Net Default Payment 1,576,678.16
Amount
(n) Optional Repurchase Amount (principal only) at 0.00
Sec. 9
Application of Investor Finance Charges and Admin
Collections
Investor Finance Charges and Admin. Collections [Sec. 4,015,623.77
4.11(a)]
Series Servicing Fee paid if HFC is not the Servicer 0.00
[Sec. 4.11(a)(i)]
plus any unpaid Series Servicing Fee of other than 0.00
HFC
Series Participation Interest Monthly Interest [Sec. 1,586,870.38
4.11(a)(ii)]
Series Participation Interest Interest Shorfall [Sec. 0.00
4.11(a)(ii)]
Additional Interest [Sec. 4.11(a)(ii)] 0.00
Series Participation Interest Default Amount [Sec. 1,576,678.16
4.11(a)(iii)]
Reimbursed Series Participation Interest Charge-Offs 0.00
[Sec. 4.11(a)(iv)]
Servicing Fee Paid [Sec. 4.11(a)(v)] 410,397.51
Excess [Sec. 4.11(a)(vi)] 441,677.72
Series Participation Investor Charge Off [Sec. 0.00
4.12(a)]
Seller's Interest
1,345,127,181.41
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Series 1996-1 Owner Trust Calculations
Due Period September 2000
Payment Date Oct 16, 2000
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Optimum Monthly Principal [a+b+c]
(a) Available Investor Principal Collections 5,729,155.23
(b) Series Participation Interest Charge Offs 0.00
(c) Lesser of Excess Interest and Carryover Charge offs 0.00
Accelerated Principal Payment 51,299.69
Series Participation Interest Monthly Interest 1,586,870.38
Allocation of Optimum Monthly Principal and Series Part.
Interest Monthly Interest
Interest and Yield
Pay Class A Interest Distribution- Sec. 3.05(a)(i)(a) 754,007.62
Pay Class B Interest Distribution- Sec. 3.05(a)(i)(b) 535,914.60
Pay Certificates the Certificate Yield- Sec. 3.05(a)(i)(c) 56,560.00
Principal up to Optimum Monthly Principal Balance
Pay Class A to Targeted Principal Balance- Sec. 2,926,622.05
3.05(a)(ii)(a)
Pay Class B to Targeted Principal Balance subject to Min 2,005,204.33
Adj Bal- Sec. 3.05(a)(ii)(b)
Pay Certificate Yield if not paid pursuant to Sec. 3.05 0.00
(a)(i)(c)
Principal up to Optimal Monthly Principal
Pay Certificate to Targeted Principal Balance subject to 200,520.44
Min Adj Bal- Sec. 3.05(a)(iii)
Pay OC Remaining Optimal Monthly Prin Amt subject to OC Min 596,808.41
Bal- Sec. 3.05(a)(iv)
Principal up to Accelerated Principal Payment Amout
Pay Class A to Targeted Principal Balance subject to Min 0.00
Adj Bal- Sec. 3.05(a)(v)(a)
Pay Class B to Targeted Principal Balance subject to Min 0.00
Adj Bal- Sec. 3.05(a)(v)(b)
Pay Class A to zero- Sec. 3.05(a)(v)(c) 51,299.69
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 Balance or zero- 0.00
Sec. 3.05(a)(vi)(c)
Pay HCLC Optimum Monthly Principal provided OC >0- Sec. 0.00
3.05(a)(vi)(d)
Remaining Amounts to Holder of Designated Certificate - Sec. 189,088.47
3.05(a)(vii)
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Allocations of Distributions to Overcollateralization Amount
Available Distributions
Pay OC Remaining Optimal Monthly Prin Amt subject to OC 596,808.41
Min Bal- Sec. 3.05(a)(iv)
Pay HCLC Optimum Monthly Principal provided OC >0- Sec. 0.00
3.05(a)(vi)
To Designated Certificate Holder up to total Accelerated 51,299.69
Principal Payments
To Designated Certificate Holder up to Holdback Amount 545,508.72
To HCLC any remaining amounts 0.00
Principal paid to the Designated Certificate 2,011.56
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Household Consumer Loan
Trust, 1996-1
Series 1996-1 Owner
Trust Calculations
Due Period Ending Sep 30, 2000
Payment Date Oct 16, 2000
Calculation of Interest
Expense
Index (LIBOR) 6.621250%
Accrual end date, accrual Oct 16, 2000
beginning date and days Sep 15, 2000
in Interest Period 31
<S> <C> <C> <C> <C>
Class A Class B Certificates Overcoll
Amount
Beginning Unpaid 127,991,484.97 86,183,477.45 8,618,347.75 23,445,196.83
Principal Balance
Previously unpaid 0.00 0.00 0.00
interest/yield
Spread to index 0.22% 0.60% 1.00%
Rate (capped at 13%, 15%, 6.841250% 7.221250% 7.621250%
16%)
Interest/Yield Payable 754,008 535,915 56,560
on the Principal Balance
Interest on previously 0 0 0
unpaid interest/yield
Interest/Yield Due 754,008 535,915 56,560
Interest/Yield Paid 754,008 535,915 56,560
Summary
Beginning Security 127,991,485 86,183,477 8,618,348 23,445,197
Balance
Beginning Adjusted 127,991,485 86,183,477 8,618,348
Balance
Principal Paid 2,977,922 2,005,204 200,520 596,808
Ending Security Balance 125,013,563 84,178,273 8,417,827 22,899,688
Ending Adjusted Balance 125,013,563 84,178,273 8,417,827
Ending Certificate 0
Balance as %
Participation Interest
Invested Amount
Targeted Balance 125,064,863 84,178,273 8,417,827
Minimum Adjusted Balance 49,000,000 4,900,000 13,300,000
Certificate Minimum 7,288,395
Balance
Ending OC Amount as 22,899,688
Holdback Amount
Ending OC Amount as 0
Accelerated Prin Pmts
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 $1.1810896 $3.9334729 $2.2219289
$1000
Principal Paid per $1000 $4.6646644 $14.7176750 $7.8773366
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