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<CAPTION>
Household Consumer Loan Trust, Series 1996-1
Deposit Trust Calculations
Previous Due Period Ending May 31, 2000
Current Due Period Ending Jun 30, 2000
Prior Distribution Date Jun 14, 2000
Distribution Date Jul 14, 2000
<S> <C>
Beginning Trust Principal Receivables 4,131,422,050.06
Average Principal Receivables 4,131,293,701.25
FC&A Collections (Includes Recoveries) 71,964,318.63
Principal Collections 123,101,347.90
Additional Balances 47,128,338.37
Net Principal Collections 75,973,009.53
Defaulted Amount 28,523,095.74
Miscellaneous Payments 0.00
Principal Recoveries 4,328,779.00
Beginning Participation Invested Amount 265,167,099.95
Beginning Participation Unpaid Principal 265,167,099.95
Balance
Ending Participation Invested Amount 258,460,017.09
Ending Participation Unpaid Principal Balance 258,460,017.09
Accelerated Amortization Date Feb 28, 2001
Is it the Accelerated Amortization Period? 0
0=No
OC Balance as % of Ending Participation 9.521%
Invested 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 265,167,099.95
Numerator for Fixed Allocation 272,081,942.58
Denominator - Max(Sum of Numerators, 4,131,293,701.25
Principal Receivables)
Applicable Allocation Percentage 6.4185%
Investor FC&A Collections 4,619,030.03
Series Participation Interest Default Amount
Numerator for Floating Allocation 265,167,099.95
Denominator - Max(Sum of Numerators, 4,131,293,701.25
Principal Receivables)
Floating Allocation Percentage 6.4185%
Series Participation Interest Default Amount 1,830,754.99
Principal Allocation Components
Numerator for Floating Allocation 265,167,099.95
Numerator for Fixed Allocation 272,081,942.58
Denominator - Max(Sum of Numerators, 4,131,293,701.25
Principal Receivables)
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Series Participation Interest Monthly
Interest
(a) Series Participation Interest Pass 8.0000%
Through Rate, [Max(b,c)]
(b) Prime Rate minus 1.50% 8.0000%
(c) Rate Sufficient to Cover Interest, Yield 7.0525%
and Accelerated Principal Pmt Amount
(d) Series Participation Interest Unpaid 265,167,099.95
Principal Balance
(e) Actual days in the Interest Period 30
Series Participation Monthly Interest, 1,767,780.67
[a*d*e]
Series Participation Interest Interest 0.00
Shortfall
Previous Series Participation Interest 0.00
Interest Shortfall
Additional Interest 0.00
Series Participation Interest Monthly
Principal
Available Investor Principal Collections, 6,707,082.86
[a+m+n]
(a) Investor Principal Collections, [Max(b,h) 4,876,327.87
or e]
(b) prior to Accelerated Amort. Date or not 4,876,327.87
Early Amort. Period, [c*d]
(c) Floating Allocation Percentage 6.4185%
(d) Net Principal Collections 75,973,009.53
(e) after Accelerated Amort Date or Early 8,107,303.98
Amort Period, [f*g]
(f) Fixed Allocation Percentage 6.5859%
(g) Collections of Principal
123,101,347.90
(h) Minimum Principal Amount, [Min(i,l)] 2,942,252.81
(i) Floating Allocation Percentage of 7,901,260.42
Principal Collections
(j) 1.8% of the Series Participation 4,773,007.80
Interest Invested Amount
(k) Series Participation Interest Net Default 1,830,754.99
Payment Amount
(l) the excess of (j) over (k) 2,942,252.81
(m) Series Participation Interest Net Default 1,830,754.99
Payment Amount
(n) Optional Repurchase Amount (principal 0.00
only) at Sec. 9
Application of Investor Finance Charges and
Admin Collections
Investor Finance Charges and Admin. 4,619,030.03
Collections [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 1,767,780.67
Interest [Sec. 4.11(a)(ii)]
Series Participation Interest Interest 0.00
Shorfall [Sec. 4.11(a)(ii)]
Additional Interest [Sec. 4.11(a)(ii)] 0.00
Series Participation Interest Default Amount 1,830,754.99
[Sec. 4.11(a)(iii)]
Reimbursed Series Participation Interest 0.00
Charge-Offs [Sec. 4.11(a)(iv)]
Servicing Fee Paid [Sec. 4.11(a)(v)] 441,945.17
Excess [Sec. 4.11(a)(vi)] 578,549.20
Series Participation Investor Charge Off 0.00
[Sec. 4.12(a)]
Seller's Interest
1,432,997,131.09
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Series 1996-1 Owner Trust Calculations
Due Period June 2000
Payment Date Jul 17, 2000
<S> <C>
Optimum Monthly Principal [a+b+c]
(a) Available Investor Principal Collections 6,707,082.86
(b) Series Participation Interest Charge Offs 0.00
(c) Lesser of Excess Interest and Carryover Charge 0.00
offs
Accelerated Principal Payment 55,243.15
Series Participation Interest Monthly Interest 1,767,780.67
Allocation of Optimum Monthly Principal and Series
Part. Interest Monthly Interest
Interest and Yield
Pay Class A Interest Distribution- Sec. 841,836.28
3.05(a)(i)(a)
Pay Class B Interest Distribution- Sec. 598,202.25
3.05(a)(i)(b)
Pay Certificates the Certificate Yield- Sec. 63,120.08
3.05(a)(i)(c)
Principal up to Optimum Monthly Principal Balance
Pay Class A to Targeted Principal Balance- Sec. 3,430,999.34
3.05(a)(ii)(a)
Pay Class B to Targeted Principal Balance 2,347,479.01
subject to Min Adj Bal- Sec. 3.05(a)(ii)(b)
Pay Certificate Yield if not paid pursuant to Sec. 0.00
3.05 (a)(i)(c)
Principal up to Optimal Monthly Principal
Pay Certificate to Targeted Principal Balance 234,747.89
subject to Min Adj Bal- Sec. 3.05(a)(iii)
Pay OC Remaining Optimal Monthly Prin Amt 693,856.62
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) 55,243.15
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 209,378.91
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 693,856.62
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 55,243.15
Accelerated Principal Payments
To Designated Certificate Holder up to Holdback 638,613.47
Amount
To HCLC any remaining amounts 0.00
Principal paid to the Designated Certificate 2,354.92
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<TABLE>
Household Consumer
Loan Trust, 1996-1
Series 1996-1 Owner
Trust Calculations
Due Period Ending Jun 30, 2000
Payment Date Jul 17, 2000
Calculation of
Interest Expense
Index (LIBOR) 6.651250%
Accrual end date, Jul 17, 2000
accrual beginning
date and days in Jun 15, 2000
Interest Period 32
<S> <C> <C> <C> <C>
Class A Class B Certificates Overcoll
Amount
Beginning Unpaid 137,830,208 92,808,485 9,280,848 25,247,558
Principal Balance
Previously unpaid 0 0 0
interest/yield
Spread to index 0.22% 0.60% 1.00%
Rate (capped at 13%, 6.871250% 7.251250% 7.651250%
15%, 16%)
Interest/Yield 841,836 598,202 63,120
Payable on the
Principal Balance
Interest on 0 0 0
previously unpaid
interest/yield
Interest/Yield Due 841,836 598,202 63,120
Interest/Yield Paid 841,836 598,202 63,120
Summary
Beginning Security 137,830,208 92,808,485 9,280,848 25,247,558
Balance
Beginning Adjusted 137,830,208 92,808,485 9,280,848
Balance
Principal Paid 3,486,242 2,347,479 234,748 693,857
Ending Security 134,343,966 90,461,006 9,046,101 24,608,945
Balance
Ending Adjusted 134,343,966 90,461,006 9,046,101
Balance
Ending Certificate 0
Balance as %
Participation
Interest Invested
Amount
Targeted Balance 134,399,209 90,461,006 9,046,101
Minimum Adjusted 49,000,000 4,900,000 13,300,000
Balance
Certificate Minimum 7,832,372
Balance
Ending OC Amount as 24,608,945
Holdback Amount
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Ending OC Amount as 0
Accelerated Prin Pmts
Beginning Net Charge 0 0 0 0
offs
Reversals 0 0 0 0
Charge offs 0 0 0 0
Ending Net Charge 0 0 0 0
Offs
Interest/Yield Paid $1.3186659 $4.3906480 $2.4796381
per $1000
Principal Paid per $5.4609062 $17.2298816 $9.2219434
$1000
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