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Household Consumer Loan Trust, Series 1996-1
Deposit Trust Calculations
Previous Due Period Ending Jul 31, 2000
Current Due Period Ending Aug 31, 2000
Prior Distribution Date Aug 14, 2000
Distribution Date Sep 14, 2000
<S> <C>
Beginning Trust Principal Receivables 3,929,360,472.76
Average Principal Receivables 3,929,064,488.82
FC&A Collections (Includes Recoveries) 67,400,602.73
Principal Collections 117,953,258.04
Additional Balances 50,984,550.89
Net Principal Collections 66,968,707.15
Defaulted Amount 25,687,910.42
Miscellaneous Payments 0.00
Principal Recoveries 1,288,597.68
Beginning Participation Invested Amount 252,185,639.82
Beginning Participation Unpaid Principal Balance 252,185,639.82
Ending Participation Invested Amount 246,238,507.00
Ending Participation Unpaid Principal Balance 246,238,507.00
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 252,185,639.82
Numerator for Fixed Allocation 258,460,017.09
Denominator - Max(Sum of Numerators, Principal 3,929,064,488.8
Receivables) 2
Applicable Allocation Percentage 6.4185%
Investor FC&A Collections 4,326,084.28
Series Participation Interest Default Amount
Numerator for Floating Allocation 252,185,639.82
Denominator - Max(Sum of Numerators, Principal 3,929,064,488.8
Receivables) 2
Floating Allocation Percentage 6.4185%
Series Participation Interest Default Amount 1,648,769.61
Principal Allocation Components
Numerator for Floating Allocation 252,185,639.82
Numerator for Fixed Allocation 258,460,017.09
Denominator - Max(Sum of Numerators, Principal 3,929,064,488.8
Receivables) 2
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Series Participation Interest Monthly Interest
(a) Series Participation Interest Pass Through 8.0000%
Rate, [Max(b,c)]
(b) Prime Rate minus 1.50% 8.0000%
(c) Rate Sufficient to Cover Interest, Yield and 6.5898%
Accelerated Principal Pmt Amount
(d) Series Participation Interest Unpaid 252,185,639.82
Principal Balance
(e) Actual days in the Interest Period 31
Series Participation Monthly Interest, [a*d*e] 1,737,278.85
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] 5,947,132.82
(a) Investor Principal Collections, [Max(b,h) or 4,298,363.21
e]
(b) prior to Accelerated Amort. Date or not Early 4,298,363.21
Amort. Period, [c*d]
(c) Floating Allocation Percentage 6.4185%
(d) Net Principal Collections 66,968,707.15
(e) after Accelerated Amort Date or Early Amort 7,759,150.09
Period, [f*g]
(f) Fixed Allocation Percentage 6.5782%
(g) Collections of Principal
117,953,258.04
(h) Minimum Principal Amount, [Min(i,l)] 2,890,571.91
(i) Floating Allocation Percentage of Principal 7,570,788.91
Collections
(j) 1.8% of the Series Participation Interest 4,539,341.52
Invested Amount
(k) Series Participation Interest Net Default 1,648,769.61
Payment Amount
(l) the excess of (j) over (k) 2,890,571.91
(m) Series Participation Interest Net Default 1,648,769.61
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 4,326,084.28
[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 1,737,278.85
[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 1,648,769.61
[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)] 420,309.40
Excess [Sec. 4.11(a)(vi)] 519,726.42
Series Participation Investor Charge Off [Sec. 0.00
4.12(a)]
Seller's Interest
1,369,744,351.26
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<TABLE>
Series 1996-1 Owner Trust Calculations
Due Period August 2000
Payment Date Sep 15, 2000
<S> <C>
Optimum Monthly Principal [a+b+c]
(a) Available Investor Principal Collections 5,947,132.82
(b) Series Participation Interest Charge Offs 0.00
(c) Lesser of Excess Interest and Carryover Charge 0.00
offs
Accelerated Principal Payment 52,538.67
Series Participation Interest Monthly Interest 1,737,278.85
Allocation of Optimum Monthly Principal and Series
Part. Interest Monthly Interest
Interest and Yield
Pay Class A Interest Distribution- Sec. 771,935.93
3.05(a)(i)(a)
Pay Class B Interest Distribution- Sec. 548,667.95
3.05(a)(i)(b)
Pay Certificates the Certificate Yield- Sec. 57,907.03
3.05(a)(i)(c)
Principal up to Optimum Monthly Principal Balance
Pay Class A to Targeted Principal Balance- Sec. 3,038,663.23
3.05(a)(ii)(a)
Pay Class B to Targeted Principal Balance 2,081,496.48
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 208,149.65
subject to Min Adj Bal- Sec. 3.05(a)(iii)
Pay OC Remaining Optimal Monthly Prin Amt 618,823.46
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) 52,538.67
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 306,229.27
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 618,823.46
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 52,538.67
Accelerated Principal Payments
To Designated Certificate Holder up to Holdback 566,284.79
Amount
To HCLC any remaining amounts 0.00
Principal paid to the Designated Certificate 2,088.09
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Household Consumer Loan Trust, 1996-1
Series 1996-1 Owner Trust Calculations
Due Period Ending Aug 31, 2000
Payment Date Sep 15, 2000
Calculation of Interest
Expense
Index (LIBOR) 6.618750%
Accrual end date, Sep 15, 2000
accrual beginning date Aug 15, 2000
and days in Interest 31
Period
<S> <C> <C> <C> <C>
Class A Class B Certificates Overcoll
Amount
Beginning Unpaid 131,082,686.87 88,264,973.93 8,826,497.40 24,011,481.62
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%, 6.838750% 7.218750% 7.618750%
15%, 16%)
Interest/Yield Payable 771,935.93 548,667.95 57,907.03
on the Principal
Balance
Interest on previously 0.00 0.00 0.00
unpaid interest/yield
Interest/Yield Due 771,935.93 548,667.95 57,907.03
Interest/Yield Paid
771,935.93 548,667.95 57,907.03
Summary
Beginning Security
Balance 131,082,686.87 88,264,973.93 8,826,497.40 24,011,481.62
Beginning Adjusted
Balance 131,082,686.87 88,264,973.93 8,826,497.40
Principal Paid 3,091,201.90 2,081,496.48 208,149.65 618,823.46
Ending Security Balance
127,991,484.97 86,183,477.45 8,618,347.75 23,445,196.83
Ending Adjusted Balance
127,991,484.97 86,183,477.45 8,618,347.75
Ending Certificate 3.5000%
Balance as %
Participation Interest
Invested Amount
Targeted Balance 128,044,023.64 86,183,477.45 8,618,347.75
Minimum Adjusted 49,000,000.00 4,900,000.00 13,300,000.00
Balance
Certificate Minimum 7,462,011.72
Balance
Ending OC Amount as 23,445,196.83
Holdback Amount
Ending OC Amount as 0.00
Accelerated Prin Pmts
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Beginning Net Charge 0.00 0.00 0.00 0.00
offs
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 $1.2091728 $4.0270792 $2.2748462
$1000
Principal Paid per $4.8421082 $15.2776394 $8.1770460
$1000
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