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<CAPTION>
Household Consumer Loan Trust, Series 1996-2
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 343,492,130.69
Beginning Participation Unpaid Principal Balance 343,492,130.69
Ending Participation Invested Amount 335,391,775.23
Ending Participation Unpaid Principal Balance 335,391,775.23
Accelerated Amortization Date Jul 31, 2001
Is it the Accelerated Amortization Period? 0=No 0
OC Balance as % of Ending Participation Invested 8.521%
Amount (3 month average)
Is it Early Amortization? (No, if 3 month OC 0
Average >or=4.25%)
Investor Finance Charges and Administrative
Collections
Numerator for Floating Allocation 343,492,130.69
Numerator for Fixed Allocation 352,038,212.92
Denominator - Max(Sum of Numerators, Principal 3,929,064,488.82
Receivables)
Applicable Allocation Percentage 8.7423%
Investor FC&A Collections 5,892,389.07
Series Participation Interest Default Amount
Numerator for Floating Allocation 343,492,130.69
Denominator - Max(Sum of Numerators, Principal 3,929,064,488.82
Receivables)
Floating Allocation Percentage 8.7423%
Series Participation Interest Default Amount 2,245,724.17
Principal Allocation Components
Numerator for Floating Allocation 343,492,130.69
Numerator for Fixed Allocation 352,038,212.92
Denominator - Max(Sum of Numerators, Principal 3,929,064,488.82
Receivables)
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 6.5897%
Accelerated Principal Pmt Amount
(d) Series Participation Interest Unpaid 343,492,130.69
Principal Balance
(e) Actual days in the Interest Period 31
Series Participation Monthly Interest, [a*d*e] 2,366,279.12
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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] 8,100,355.46
(a) Investor Principal Collections, [Max(b,h) or 5,854,631.29
e]
(b) prior to Accelerated Amort. Date or not Early 5,854,631.29
Amort. Period, [c*d]
(c) Floating Allocation Percentage 8.7423%
(d) Net Principal Collections 66,968,707.15
(e) after Accelerated Amort Date or Early Amort 10,568,432.84
Period, [f*g]
(f) Fixed Allocation Percentage 8.9598%
(g) Collections of Principal
117,953,258.04
(h) Minimum Principal Amount, [Min(i,l)] 3,937,134.18
(i) Floating Allocation Percentage of Principal 10,311,873.49
Collections
(j) 1.8% of the Series Participation Interest 6,182,858.35
Invested Amount
(k) Series Participation Interest Net Default 2,245,724.17
Payment Amount
(l) the excess of (j) over (k) 3,937,134.18
(m) Series Participation Interest Net Default 2,245,724.17
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 5,892,389.07
[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 2,366,279.12
[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 2,245,724.17
[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)] 572,486.88
Excess [Sec. 4.11(a)(vi)] 707,898.90
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 1996-2 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 8,100,355.46
(b) Series Participation Interest Charge Offs 0.00
(c) Lesser of Excess Interest and Carryover Charge 0.00
offs
Accelerated Principal Payment 71,560.86
Series Participation Interest Monthly Interest 2,366,279.12
Allocation of Optimum Monthly Principal and Series
Part. Interest Monthly Interest
Interest and Yield
Pay Class A-1 Interest Distribution- Sec. 1,043,736.29
3.05(a)(i)(a)
Pay Class A-2 Interest Distribution- Sec. 221,377.64
3.05(a)(i)(b)
Pay Class A-3 Interest Distribution- Sec. 291,886.05
3.05(a)(i)(c)
Pay Class B Interest Distribution- Sec. 219,165.32
3.05(a)(i)(d)
Pay Certificates the Certificate Yield- Sec. 101,408.00
3.05(a)(i)(e)
Principal up to Optimum Monthly Principal Balance
Pay Class A-1 to Targeted Principal Balance- 4,138,843.55
Sec. 3.05(a)(ii)(a)
Pay Class A-2 to Targeted Principal Balance 873,736.74
subject to Min Adj Bal- Sec. 3.05(a)(ii)(b)
Pay Class A-3 to Targeted Principal Balance 1,135,653.63
subject to Min Adj Bal- Sec. 3.05(a)(ii)(c)
Pay Class B to Targeted Principal Balance 825,734.04
subject to Min Adj Bal- Sec. 3.05(a)(ii)(d)
Pay Certificate Yield if not paid pursuant to Sec. 0.00
3.05 (a)(i)(e)
Principal up to Optimal Monthly Principal
Pay Certificate to Targeted Principal Balance 364,516.00
subject to Min Adj Bal- Sec. 3.05(a)(iii)
Pay OC Remaining Optimal Monthly Prin Amt 761,871.50
subject to OC Min Bal- Sec. 3.05(a)(iv)
Principal up to Accelerated Principal Payment
Amout
Pay Class A-1 to Targeted Principal Balance 0.00
subject to Min Adj Bal- Sec. 3.05(a)(v)(a)
Pay Class A-2 to Targeted Principal Balance 0.00
subject to Min Adj Bal- Sec. 3.05(a)(v)(b)
Pay Class A-3 to Targeted Principal Balance 0.00
subject to Min Adj Bal- Sec. 3.05(a)(v)(c)
Pay Class B to Targeted Principal Balance 0.00
subject to Min Adj Bal- Sec. 3.05(a)(v)(d)
Pay Class A-1 to zero- Sec. 3.05(a)(v)(e) 71,560.86
Pay Class A-2 to zero- Sec. 3.05(a)(v)(f) 0.00
Pay Class A-3 to zero- Sec. 3.05(a)(v)(g) 0.00
Pay Class B to zero- Sec. 3.05(a)(v)(h) 0.00
Principal up to Optimal Monthly Principal
Pay Class A-1 to zero- Sec. 3.05(a)(vi)(a) 0.00
Pay Class A-2 to zero- Sec. 3.05(a)(vi)(b) 0.00
Pay Class A-3 to zero- Sec. 3.05(a)(vi)(c) 0.00
Pay Class B to zero- Sec. 3.05(a)(vi)(d) 0.00
Pay Certificates up to Certificate Minimum 0.00
Balance or zero- Sec. 3.05(a)(vi)(e)
Pay HCLC Optimum Monthly Principal provided OC 0.00
>0- Sec. 3.05(a)(vi)(f)
Remaining Amounts to Holder of Designated 417,144.96
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 761,871.50
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 71,560.86
Accelerated Principal Payments
To Designated Certificate Holder up to Holdback 690,310.64
Amount
To HCLC any remaining amounts 0.00
Principal paid to the Designated Certificate 3,645.16
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Household Consumer Loan Trust, 1996-2
Series 1996-2
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 Period 31
<S> <C> <C> <C> <C> <C> <C>
Class A-1 Class A-2 Class A-3 Class B Certificates Overcoll
Amount
Beginning Unpaid 178,542,567 37,050,435 48,156,910 35,014,901 15,457,146 29,270,172
Principal Balance
Previously unpaid 0 0 0 0 0
interest/yield
Spread to index 0.17% 0.32% 0.42% 0.65% 1.00%
Rate (capped at 6.788750% 6.938750% 7.038750% 7.268750% 7.618750%
13%, 15%, 15%, 15%,
16%)
Interest/Yield 1,043,736 221,378 291,886 219,165 101,408
Payable on the
Principal Balance
Interest on 0 0 0 0 0
previously unpaid
interest/yield
Interest/Yield Due 1,043,736 221,378 291,886 219,165 101,408
Interest/Yield Paid 1,043,736 221,378 291,886 219,165 101,408
Summary
Beginning Security 178,542,567 37,050,435 48,156,910 35,014,901 15,457,146 29,270,172
Balance
Beginning Adjusted 178,542,567 37,050,435 48,156,910 35,014,901 15,457,146
Balance
Principal Paid 4,210,404 873,737 1,135,654 825,734 364,516 761,871
Ending Security 174,332,162 36,176,698 47,021,256 34,189,167 15,092,630 28,579,862
Balance
Ending Adjusted 174,332,162 36,176,698 47,021,256 34,189,167 15,092,630
Balance
Ending Certificate 0
Balance as %
Participation
Interest Invested
Amount
Targeted Balance 174,403,723 36,176,698 47,021,256 34,189,167 15,092,630
Minimum Adjusted 18,800,000 24,500,000 17,800,000 7,900,000 14,800,000
Balance
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Certificate Minimum 10,163,712
Balance
Ending OC Amount as 23,483,139
Holdback Amount
Ending OC Amount as 5,096,723
Accelerated Prin Pmts
Beginning Net 0.00 0.00 0.00 0.00 0.00 0.00
Charge offs
Reversals 0.00 0.00 0.00 0.00 0.00 0.00
Charge offs 0.00 0.00 0.00 0.00 0.00 0.00
Ending Net Charge 0.00 0.00 0.00 0.00 0.00 0.00
Offs
Interest/Yield Paid $1.3145293 $4.2377037 $4.2987636 $4.4392408 $2.7492273
per $1000
Principal Paid per $5.3027763 $16.7254353 $16.7253848 $16.7254211 $9.8822317
$1000
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