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<CAPTION>
Household Consumer Loan Trust, Series 1996-2
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 4,131,422,050.0
6
Average Principal Receivables 4,131,293,701.2
5
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 361,173,666.41
Beginning Participation Unpaid Principal Balance 361,173,666.41
Ending Participation Invested Amount 352,038,212.92
Ending Participation Unpaid Principal Balance 352,038,212.92
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 361,173,666.41
Numerator for Fixed Allocation 370,592,101.29
Denominator - Max(Sum of Numerators, Principal 4,131,293,701.2
Receivables) 5
Applicable Allocation Percentage 8.7424%
Investor FC&A Collections 6,291,398.94
Series Participation Interest Default Amount
Numerator for Floating Allocation 361,173,666.41
Denominator - Max(Sum of Numerators, Principal 4,131,293,701.2
Receivables) 5
Floating Allocation Percentage 8.7424%
Series Participation Interest Default Amount 2,493,599.30
Principal Allocation Components
Numerator for Floating Allocation 361,173,666.41
Numerator for Fixed Allocation 370,592,101.29
Denominator - Max(Sum of Numerators, Principal 4,131,293,701.2
Receivables) 5
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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 7.0527%
Accelerated Principal Pmt Amount
(d) Series Participation Interest Unpaid 361,173,666.41
Principal Balance
(e) Actual days in the Interest Period 30
Series Participation Monthly Interest, [a*d*e] 2,407,824.44
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] 9,135,453.49
(a) Investor Principal Collections, [Max(b,h) or 6,641,854.19
e]
(b) prior to Accelerated Amort. Date or not Early 6,641,854.19
Amort. Period, [c*d]
(c) Floating Allocation Percentage 8.7424%
(d) Net Principal Collections 75,973,009.53
(e) after Accelerated Amort Date or Early Amort 11,042,639.54
Period, [f*g]
(f) Fixed Allocation Percentage 8.9704%
(g) Collections of Principal
123,101,347.90
(h) Minimum Principal Amount, [Min(i,l)] 4,007,526.70
(i) Floating Allocation Percentage of Principal 10,761,995.73
Collections
(j) 1.8% of the Series Participation Interest 6,501,126.00
Invested Amount
(k) Series Participation Interest Net Default 2,493,599.30
Payment Amount
(l) the excess of (j) over (k) 4,007,526.70
(m) Series Participation Interest Net Default 2,493,599.30
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 6,291,398.94
[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 2,407,824.44
[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 2,493,599.30
[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)] 601,956.11
Excess [Sec. 4.11(a)(vi)] 788,019.09
Series Participation Investor Charge Off [Sec. 0.00
4.12(a)]
Seller's Interest
1,432,997,131.09
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<TABLE>
Series 1996-2 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 9,135,453.49
(b) Series Participation Interest Charge Offs 0.00
(c) Lesser of Excess Interest and Carryover Charge 0.00
offs
Accelerated Principal Payment 75,244.51
Series Participation Interest Monthly Interest 2,407,824.44
Allocation of Optimum Monthly Principal and Series
Part. Interest Monthly Interest
Interest and Yield
Pay Class A-1 Interest Distribution- Sec. 1,138,288.36
3.05(a)(i)(a)
Pay Class A-2 Interest Distribution- Sec. 241,407.49
3.05(a)(i)(b)
Pay Class A-3 Interest Distribution- Sec. 318,274.30
3.05(a)(i)(c)
Pay Class B Interest Distribution- Sec. 238,944.41
3.05(a)(i)(d)
Pay Certificates the Certificate Yield- Sec. 110,537.20
3.05(a)(i)(e)
Principal up to Optimum Monthly Principal Balance
Pay Class A-1 to Targeted Principal Balance- 4,673,229.12
Sec. 3.05(a)(ii)(a)
Pay Class A-2 to Targeted Principal Balance 985,386.56
subject to Min Adj Bal- Sec. 3.05(a)(ii)(b)
Pay Class A-3 to Targeted Principal Balance 1,280,772.31
subject to Min Adj Bal- Sec. 3.05(a)(ii)(c)
Pay Class B to Targeted Principal Balance 931,249.86
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 411,095.40
subject to Min Adj Bal- Sec. 3.05(a)(iii)
Pay OC Remaining Optimal Monthly Prin Amt 853,720.24
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) 75,244.51
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 285,128.17
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 853,720.24
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 75,244.51
Accelerated Principal Payments
To Designated Certificate Holder up to Holdback 778,475.73
Amount
To HCLC any remaining amounts 0.00
Principal paid to the Designated Certificate 4,110.95
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<TABLE>
Household Consumer
Loan Trust, 1996-2
Series 1996-2 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 Jun 15, 2000
and days in Interest Period 32
<S> <C> <C> <C> <C> <C> <C>
Class A-1 Class A-2 Class A-3 Class B Certificates Overcoll
Amount
Beginning Unpaid 187,733,100 38,957,636 50,635,826 36,817,321 16,252,815 30,776,968
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 13%, 6.821250% 6.971250% 7.071250% 7.301250%
7.651250%
15%, 15%, 15%, 16%)
Interest/Yield 1,138,288 241,407 318,274 238,944 110,537
Payable on the
Principal Balance
Interest on 0 0 0 0 0
previously unpaid
interest/yield
Interest/Yield Due 1,138,288 241,407 318,274 238,944 110,537
Interest/Yield Paid 1,138,288 241,407 318,274 238,944 110,537
Summary
Beginning Security 187,733,100 38,957,636 50,635,826 36,817,321 16,252,815 30,776,968
Balance
Beginning Adjusted 187,733,100 38,957,636 50,635,826 36,817,321 16,252,815
Balance
Principal Paid 4,748,474 985,387 1,280,772 931,250 411,095 853,720
Ending Security 182,984,626 37,972,250 49,355,053 35,886,071 15,841,720 29,998,493
Balance
Ending Adjusted 182,984,626 37,972,250 49,355,053 35,886,071 15,841,720
Balance
Ending Certificate 0
Balance as %
Participation
Interest Invested
Amount
Targeted Balance 183,059,871 37,972,250 49,355,053 35,886,071 15,841,720
Minimum Adjusted 18,800,000 24,500,000 17,800,000 7,900,000 14,800,000
Balance
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Certificate Minimum 10,668,166
Balance
Ending OC Amount as 24,901,770
Holdback Amount
Ending OC Amount as 5,096,723
Accelerated Prin Pmts
Beginning Net Charge 0 0 0 0 0 0
offs
Reversals 0 0 0 0 0 0
Charge offs 0 0 0 0 0 0
Ending Net Charge 0 0 0 0 0 0
Offs
Interest/Yield Paid $1.4336125 $4.6211235 $4.6873976 $4.8398706 $2.9967250
per $1000
Principal Paid per $5.9804454 $18.8626830 $18.8626261 $18.8626668 $11.1450252
$1000
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