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<CAPTION>
Household Consumer Loan Trust, Series 1997-2
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 511,443,667.45
Beginning Participation Unpaid Principal Balance 511,443,667.44
Ending Participation Invested Amount 499,382,618.20
Ending Participation Unpaid Principal Balance 499,382,618.19
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 511,443,667.45
Numerator for Fixed Allocation 524,168,382.95
Denominator - Max(Sum of Numerators, Principal 3,929,064,488.82
Receivables)
Applicable Allocation Percentage 13.0169%
Investor FC&A Collections 8,773,490.88
Series Participation Interest Default Amount
Numerator for Floating Allocation 511,443,667.45
Denominator - Max(Sum of Numerators, Principal 3,929,064,488.82
Receivables)
Floating Allocation Percentage 13.0169%
Series Participation Interest Default Amount 3,343,777.93
Principal Allocation Components
Numerator for Floating Allocation 511,443,667.45
Numerator for Fixed Allocation 524,168,382.95
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 6.6012%
Accelerated Principal Pmt Amount
(d) Series Participation Interest Unpaid 511,443,667.44
Principal Balance
(e) Actual days in the Interest Period 31
Series Participation Monthly Interest, [a*d*e] 3,523,278.60
Series Participation Interest Interest Shortfall 0.00
Previous Series Participation Interest Interest 0.00
Shortfall
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Additional Interest 0.00
Series Participation Interest Monthly Principal
Available Investor Principal Collections, [a+m+n] 12,061,049.25
(a) Investor Principal Collections, [Max(b,h) or 8,717,271.32
e]
(b) prior to Accelerated Amort. Date or not Early 8,717,271.32
Amort. Period, [c*d]
(c) Floating Allocation Percentage 13.0169%
(d) Net Principal Collections 66,968,707.15
(e) after Accelerated Amort Date or Early Amort 15,735,900.67
Period, [f*g]
(f) Fixed Allocation Percentage 13.3408%
(g) Collections of Principal
117,953,258.04
(h) Minimum Principal Amount, [Min(i,l)] 7,907,982.75
(i) Floating Allocation Percentage of Principal 15,353,895.83
Collections
(j) 2.5% or 2.2% of the Series Participation 11,251,760.68
Interest Invested Amount
(k) Series Participation Interest Net Default 3,343,777.93
Payment Amount
(l) the excess of (j) over (k) 7,907,982.75
(m) Series Participation Interest Net Default 3,343,777.93
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 8,773,490.88
[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 3,523,278.60
[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 3,343,777.93
[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)] 852,406.11
Excess [Sec. 4.11(a)(vi)] 1,054,028.24
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 1997-2 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 12,061,049.25
(b) Series Participation Interest Charge Offs 0.00
(c) Lesser of Excess Interest and Carryover 0.00
Charge offs
Accelerated Principal Payment 106,550.76
Series Participation Interest Monthly Interest 3,523,278.60
Allocation of Optimum Monthly Principal and
Series Part. Interest Monthly Interest
Interest and Yield
Pay Class A-1 Interest Distribution- Sec. 1,556,363.55
3.05(a)(i)(a)
Pay Class A-2 Interest Distribution- Sec. 285,561.67
3.05(a)(i)(b)
Pay Class A-3 Interest Distribution- Sec. 451,762.02
3.05(a)(i)(c)
Pay Class B Interest Distribution- Sec. 272,104.46
3.05(a)(i)(d)
Pay Certificates the Certificate Yield- Sec. 234,876.06
3.05(a)(i)(e)
Principal up to Optimum Monthly Principal Balance
Pay Class A-1 to Targeted Principal Balance- 6,162,543.86
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 2,894,651.82
subject to Min Adj Bal- Sec. 3.05(a)(ii)(c)
Pay Class B to Targeted Principal Balance 1,025,189.19
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 844,273.44
subject to Min Adj Bal- Sec. 3.05(a)(iii)
Pay OC Remaining Optimal Monthly Prin Amt 1,134,390.94
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) 106,550.76
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 616,060.08
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 1,134,390.94
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 106,550.76
Accelerated Principal Payments
To Designated Certificate Holder up to Holdback 1,027,840.18
Amount
To HCLC any remaining amounts 0.00
Principal paid to the Designated Certificate 8,442.73
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Household Consumer Loan Trust, 1997-2
Series 1997-2
Owner Trust Calculations
Due Period Aug 31, 2000
Ending
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 265,841,505 48,000,000 74,746,480 43,472,712 35,801,057 43,581,913
Unpaid
Principal
Balance
Previously 0 0 0 0 0
unpaid
interest/yield
Spread to index 0.18% 0.29% 0.40% 0.65% 1.00%
Rate (capped at 6.798750% 6.908750% 7.018750% 7.268750% 7.618750%
12.5%, 14%,
14%, 14%, 15%)
Interest/Yield 1,556,364 285,562 451,762 272,104 234,876
Payable on the
Principal
Balance
Interest on 0 0 0 0 0
previously
unpaid
interest/yield
Interest/Yield 1,556,364 285,562 451,762 272,104 234,876
Due
Interest/Yield 1,556,364 285,562 451,762 272,104 234,876
Paid
Summary
Beginning 265,841,505 48,000,000 74,746,480 43,472,712 35,801,057 43,581,913
Security
Balance
Beginning 265,841,505 48,000,000 74,746,480 43,472,712 35,801,057
Adjusted
Balance
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Principal Paid 6,269,095 0 2,894,652 1,025,189 844,273 1,134,391
Ending Security 259,572,411 48,000,000 71,851,828 42,447,523 34,956,783 42,554,073
Balance
Ending Adjusted 259,572,411 48,000,000 71,851,828 42,447,523 34,956,783
Balance
Ending 0
Certificate
Balance as %
Participation
Interest
Invested Amount
Targeted 259,678,961 54,932,088 71,851,828 42,447,523 34,956,783
Balance
Minimum 16,000,000 30,000,000 19,000,000 14,000,000 17,000,000
Adjusted
Balance
Certificate 5,044,264
Minimum Balance
Ending OC 24,972,863
Amount as
Holdback Amount
Ending OC 17,581,210
Amount as
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 0.00 0.00 0.00 0.00 0.00 0.00
Charge Offs
Interest/Yield $1.7065390 $5.9492015 $5.0195780 $4.7737625 $5.5922871
Paid per $1000
Principal Paid $6.8740073 $0.0000000 $32.1627980 $17.9857753 $20.1017486
per $1000
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