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<TABLE>
<CAPTION>
Household Consumer Loan Trust, Series 1997-2
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 4,131,422,050.06
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 537,770,644.60
Beginning Participation Unpaid Principal Balance 537,770,644.59
Ending Participation Invested Amount 524,168,382.95
Ending Participation Unpaid Principal Balance 524,168,382.94
Accelerated Amortization Date Oct 31, 2002
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%) 0=NO, 1=YES
Investor Finance Charges and Administrative
Collections
Numerator for Floating Allocation 537,770,644.60
Numerator for Fixed Allocation 551,794,252.27
Denominator - Max(Sum of Numerators, Principal 4,131,293,701.25
Receivables)
Applicable Allocation Percentage 13.0170%
Investor FC&A Collections 9,367,597.86
Series Participation Interest Default Amount
Numerator for Floating Allocation 537,770,644.60
Denominator - Max(Sum of Numerators, Principal 4,131,293,701.25
Receivables)
Floating Allocation Percentage 13.0170%
Series Participation Interest Default Amount 3,712,852.36
Principal Allocation Components
Numerator for Floating Allocation 537,770,644.60
Numerator for Fixed Allocation 551,794,252.27
Denominator - Max(Sum of Numerators, Principal 4,131,293,701.25
Receivables)
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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 7.0654%
Accelerated Principal Pmt Amount
(d) Series Participation Interest Unpaid 537,770,644.59
Principal Balance
(e) Actual days in the Interest Period 30
Series Participation Monthly Interest, [a*d*e] 3,585,137.63
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] 13,602,261.65
(a) Investor Principal Collections, [Max(b,h) or 9,889,409.29
e]
(b) prior to Accelerated Amort. Date or not Early 9,889,409.29
Amort. Period, [c*d]
(c) Floating Allocation Percentage 13.0170%
(d) Net Principal Collections 75,973,009.53
(e) after Accelerated Amort Date or Early Amort 16,441,972.21
Period, [f*g]
(f) Fixed Allocation Percentage 13.3565%
(g) Collections of Principal
123,101,347.90
(h) Minimum Principal Amount, [Min(i,l)] 8,118,101.82
(i) Floating Allocation Percentage of Principal 16,024,106.73
Collections
(j) 2.5% or 2.2% of the Series Participation 11,830,954.18
Interest Invested Amount
(k) Series Participation Interest Net Default 3,712,852.36
Payment Amount
(l) the excess of (j) over (k) 8,118,101.82
(m) Series Participation Interest Net Default 3,712,852.36
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 9,367,597.86
[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 3,585,137.63
[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 3,712,852.36
[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)] 896,284.41
Excess [Sec. 4.11(a)(vi)] 1,173,323.46
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 1997-2 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 13,602,261.65
(b) Series Participation Interest Charge Offs 0.00
(c) Lesser of Excess Interest and Carryover 0.00
Charge offs
Accelerated Principal Payment 112,035.55
Series Participation Interest Monthly Interest 3,585,137.63
Allocation of Optimum Monthly Principal and
Series Part. Interest Monthly Interest
Interest and Yield
Pay Class A-1 Interest Distribution- Sec. 1,697,342.64
3.05(a)(i)(a)
Pay Class A-2 Interest Distribution- Sec. 296,160.00
3.05(a)(i)(b)
Pay Class A-3 Interest Distribution- Sec. 508,097.12
3.05(a)(i)(c)
Pay Class B Interest Distribution- Sec. 296,661.18
3.05(a)(i)(d)
Pay Certificates the Certificate Yield- Sec. 256,020.65
3.05(a)(i)(e)
Principal up to Optimum Monthly Principal Balance
Pay Class A-1 to Targeted Principal Balance- 6,958,218.91
Sec. 3.05(a)(ii)(a)
Pay Class A-2 to Targeted Principal Balance 0.00
subject to Min Adj Bal- Sec. 3.05(a)(ii)(b)
Pay Class A-3 to Targeted Principal Balance 3,264,542.81
subject to Min Adj Bal- Sec. 3.05(a)(ii)(c)
Pay Class B to Targeted Principal Balance 1,156,192.23
subject to Min Adj Bal- Sec. 3.05(a)(ii)(d)
Pay Certificate Yield if not paid pursuant to 0.00
Sec. 3.05 (a)(i)(e)
Principal up to Optimal Monthly Principal
Pay Certificate to Targeted Principal Balance 952,158.32
subject to Min Adj Bal- Sec. 3.05(a)(iii)
Pay OC Remaining Optimal Monthly Prin Amt 1,271,149.38
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) 112,035.55
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 418,820.49
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 1,271,149.38
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 112,035.55
Accelerated Principal Payments
To Designated Certificate Holder up to Holdback 1,159,113.83
Amount
To HCLC any remaining amounts 0.00
Principal paid to the Designated Certificate 9,521.58
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<TABLE>
Household Consumer Loan Trust, 1997-2
Series 1997-2
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 279,525,778 48,000,000 81,064,955 45,710,505 37,643,945 45,825,462
Principal Balance
Previously unpaid 0 0 0 0 0
interest/yield
Spread to index 0.18% 0.29% 0.40% 0.65% 1.00%
Rate (capped at 6.831250% 6.941250% 7.051250% 7.301250%
7.651250%
12.5%, 14%, 14%,
14%, 15%)
Interest/Yield 1,697,343 296,160 508,097 296,661 256,021
Payable on the
Principal Balance
Interest on 0 0 0 0 0
previously unpaid
interest/yield
Interest/Yield Due 1,697,343 296,160 508,097 296,661 256,021
Interest/Yield Paid 1,697,343 296,160 508,097 296,661 256,021
Summary
Beginning Security 279,525,778 48,000,000 81,064,955 45,710,505 37,643,945 45,825,462
Balance
Beginning Adjusted 279,525,778 48,000,000 81,064,955 45,710,505 37,643,945
Balance
Principal Paid 7,070,254 0 3,264,543 1,156,192 952,158 1,271,149
Ending Security 272,455,524 48,000,000 77,800,412 44,554,313 36,691,787 44,666,348
Balance
Ending Adjusted 272,455,524 48,000,000 77,800,412 44,554,313 36,691,787
Balance
Ending Certificate 0
Balance as %
Participation
Interest Invested
Amount
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Targeted Balance 272,567,559 57,658,522 77,800,412 44,554,313 36,691,787
Mininimum Adjusted 16,000,000 30,000,000 19,000,000 14,000,000 17,000,000
Balance
Certificate Minimum 5,294,625
Balance
Ending OC Amount as 27,085,138
Holdback Amount
Ending OC Amount as 17,581,210
Accelerated Prin Pmts
Beginning Net 0 0 0 0 0 0
Charge 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 $1.8611213 $6.1700000 $5.6455236 $5.2045821 $6.0957298
per $1000
Principal Paid per $7.7524720 $0.0000000 $36.2726979 $20.2840742 $22.6704362
$1000
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