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Household Consumer Loan Trust, Series 1996-1
Deposit Trust Calculations
Previous Due Period Ending Jun 30, 2000
Current Due Period Ending Jul 31, 2000
Prior Distribution Date Jul 14, 2000
Distribution Date Aug 14, 2000
<S> <C>
Beginning Trust Principal Receivables 4,026,979,733.81
Average Principal Receivables 4,026,824,274.00
FC&A Collections (Includes Recoveries) 66,617,761.67
Principal Collections 118,986,909.26
Additional Balances 47,476,253.07
Net Principal Collections 71,510,656.19
Defaulted Amount 26,244,559.32
Miscellaneous Payments 0.00
Principal Recoveries 1,254,853.68
Beginning Participation Invested Amount 258,460,017.09
Beginning Participation Unpaid Principal 258,460,017.09
Balance
Ending Participation Invested Amount 252,185,639.82
Ending Participation Unpaid Principal Balance 252,185,639.82
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 258,460,017.09
Numerator for Fixed Allocation 265,167,099.95
Denominator - Max(Sum of Numerators, 4,026,824,274.00
Principal Receivables)
Applicable Allocation Percentage 6.4185%
Investor FC&A Collections 4,275,832.93
Series Participation Interest Default Amount
Numerator for Floating Allocation 258,460,017.09
Denominator - Max(Sum of Numerators, 4,026,824,274.00
Principal Receivables)
Floating Allocation Percentage 6.4185%
Series Participation Interest Default Amount 1,684,495.97
Principal Allocation Components
Numerator for Floating Allocation 258,460,017.09
Numerator for Fixed Allocation 265,167,099.95
Denominator - Max(Sum of Numerators, 4,026,824,274.00
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 6.1866%
and Accelerated Principal Pmt Amount
(d) Series Participation Interest Unpaid 258,460,017.09
Principal Balance
(e) Actual days in the Interest Period 31
Series Participation Monthly Interest, 1,780,502.34
[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, 6,274,377.27
[a+m+n]
(a) Investor Principal Collections, [Max(b,h) 4,589,881.30
or e]
(b) prior to Accelerated Amort. Date or not 4,589,881.30
Early Amort. Period, [c*d]
(c) Floating Allocation Percentage 6.4185%
(d) Net Principal Collections 71,510,656.19
(e) after Accelerated Amort Date or Early 7,835,309.29
Amort Period, [f*g]
(f) Fixed Allocation Percentage 6.5850%
(g) Collections of Principal
118,986,909.26
(h) Minimum Principal Amount, [Min(i,l)] 2,967,784.34
(i) Floating Allocation Percentage of 7,637,124.57
Principal Collections
(j) 1.8% of the Series Participation 4,652,280.31
Interest Invested Amount
(k) Series Participation Interest Net Default 1,684,495.97
Payment Amount
(l) the excess of (j) over (k) 2,967,784.34
(m) Series Participation Interest Net Default 1,684,495.97
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. 4,275,832.93
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 1,780,502.34
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 1,684,495.97
[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)] 430,766.70
Excess [Sec. 4.11(a)(vi)] 380,067.92
Series Participation Investor Charge Off 0.00
[Sec. 4.12(a)]
Seller's Interest
1,398,548,232.07
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Series 1996-1 Owner Trust Calculations
Due Period July 2000
Payment Date Aug 15, 2000
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Optimum Monthly Principal [a+b+c]
(a) Available Investor Principal Collections 6,274,377.27
(b) Series Participation Interest Charge Offs 0.00
(c) Lesser of Excess Interest and Carryover Charge 0.00
offs
Accelerated Principal Payment 53,845.84
Series Participation Interest Monthly Interest 1,780,502.34
Allocation of Optimum Monthly Principal and Series
Part. Interest Monthly Interest
Interest and Yield
Pay Class A Interest Distribution- Sec. 740,911.64
3.05(a)(i)(a)
Pay Class B Interest Distribution- Sec. 526,586.71
3.05(a)(i)(b)
Pay Certificates the Certificate Yield- Sec. 55,573.53
3.05(a)(i)(c)
Principal up to Optimum Monthly Principal Balance
Pay Class A to Targeted Principal Balance- Sec. 3,207,433.03
3.05(a)(ii)(a)
Pay Class B to Targeted Principal Balance 2,196,032.05
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 219,603.20
subject to Min Adj Bal- Sec. 3.05(a)(iii)
Pay OC Remaining Optimal Monthly Prin Amt 651,308.99
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) 53,845.84
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 403,584.62
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 651,308.99
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 53,845.84
Accelerated Principal Payments
To Designated Certificate Holder up to Holdback 597,463.15
Amount
To HCLC any remaining amounts 0.00
Principal paid to the Designated Certificate 2,202.99
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Household Consumer Loan
Trust,1996-1
Series 1996-1 Owner Trust Calculations
Due Period Ending Jul 31, 2000
Payment Date Aug 15, 2000
Calculation of Interest Expense
Index (LIBOR) 6.626250%
Accrual end date, Aug 15, 2000
accrual beginning date Jul 17, 2000
and days in Interest Period 29
<S> <C> <C> <C> <C>
Class A Class B Certificates Overcoll
Amount
Beginning Unpaid Principal 134,343,966 90,461,006 9,046,101 24,608,945
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%, 16%) 6.846250% 7.226250% 7.626250%
Interest/Yield Payable on the 740,912 526,587 55,574
Principal Balance
Interest on previously unpaid 0 0 0
interest/yield
Interest/Yield Due 740,912 526,587 55,574
Interest/Yield Paid 740,912 526,587 55,574
Summary
Beginning Security Balance 134,343,966 90,461,006 9,046,101 24,608,945
Beginning Adjusted Balance 134,343,966 90,461,006 9,046,101
Principal Paid 3,261,279 2,196,032 219,603 651,309
Ending Security Balance 131,082,687 88,264,974 8,826,497 24,011,482
Ending Adjusted Balance 131,082,687 88,264,974 8,826,497
Ending Certificate Balance as 0
% Participation Interest
Invested Amount
Targeted Balance 131,136,533 88,264,974 8,826,497
Minimum Adjusted Balance 49,000,000 4,900,000 13,300,000
Certificate Minimum Balance 7,642,234
Ending OC Amount as Holdback 24,011,482
Amount
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Ending OC Amount as 0
Accelerated Prin Pmts
Beginning Net Charge offs 0.00 0.00 0.00 0.00
Reversals 0.00 0.00 0.00 0.00
Charge offs 0.00 0.00 0.00 0.00
Ending Net Charge Offs 0.00 0.00 0.00 0.00
Interest/Yield Paid per $1000 $1.1605759 $3.8650086 $2.1831760
Principal Paid per $1000 $5.1085195 $16.1183005 $8.6269925
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