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<CAPTION>
Household Consumer Loan Trust, Series 1995-1
Deposit Trust Calculations
Previous Due Period Ending Jun 30, 2000
Current Due Period Ending Jul 31, 2000
Prior Distribution Date Jul 14, 2000
Distribution Date Aug 14, 2000
<S> <C>
Beginning Trust Principal Receivables 4,026,979,733.81
Average Principal Receivables 4,026,824,274.00
FC&A Collections (Includes Recoveries) 66,617,761.67
Principal Collections 118,986,909.26
Additional Balances 47,476,253.07
Net Principal Collections 71,510,656.19
Defaulted Amount 26,244,559.32
Miscellaneous Payments 0.00
Principal Recoveries 1,254,853.68
Beginning Participation Invested Amount 275,827,185.33
Beginning Participation Unpaid Principal 275,827,185.33
Balance
Ending Participation Invested Amount 269,131,202.56
Ending Participation Unpaid Principal Balance 269,131,202.56
Accelerated Amortization Date Oct 15, 2000
Is it the Accelerated Amortization Period? 0
0=No
OC Balance as % of Ending Participation 9.521%
Invested Amount (3 month average)
Is it Early Amortization? (No, if 3 month OC 0
Average >or=4.25%) 0=No
Investor Finance Charges and Administrative
Collections
Numerator for Floating Allocation 275,827,185.33
Numerator for Fixed Allocation 282,984,949.26
Denominator - Max(Sum of Numerators, Principal 4,026,824,274.00
Receivables)
Applicable Allocation Percentage 6.8497%
Investor FC&A Collections 4,563,146.65
Series Participation Interest Default Amount
Numerator for Floating Allocation 275,827,185.33
Denominator - Max(Sum of Numerators, Principal 4,026,824,274.00
Receivables)
Floating Allocation Percentage 6.8497%
Series Participation Interest Default Amount 1,797,685.33
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Principal Allocation Components
Numerator for Floating Allocation 275,827,185.33
Numerator for Fixed Allocation 282,984,949.26
Denominator - Max(Sum of Numerators, Principal 4,026,824,274.00
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 6.2127%
and Accelerated Principal Pmt Amount
(d) Series Participation Interest Unpaid 275,827,185.33
Principal Balance
(e) Actual days in the Interest Period 31
Series Participation Monthly Interest, [a*d*e] 1,900,142.83
Series Participation Interest Interest 0.00
Shortfall
Previous Series Participation Interest 0.00
Interest Shortfall
Additional Interest 0.00
Series Participation Interest Monthly
Principal
Available Investor Principal Collections, 6,695,982.77
[a+m+n]
(a) Investor Principal Collections, [Max(b,h) 4,898,297.44
or e]
(b) prior to Accelerated Amort. Date or not 4,898,297.44
Early Amort. Period, [c*d]
(c) Floating Allocation Percentage 6.8497%
(d) Net Principal Collections 71,510,656.19
(e) after Accelerated Amort Date or Early 8,361,801.31
Amort Period, [f*g]
(f) Fixed Allocation Percentage 7.0275%
(g) Collections of Principal
118,986,909.26
(h) Minimum Principal Amount, [Min(i,l)] 3,167,204.01
(i) Floating Allocation Percentage of 8,150,299.60
Principal Collections
(j) 1.8% of the Series Participation Interest 4,964,889.34
Invested Amount
(k) Series Participation Interest Net Default 1,797,685.33
Payment Amount
(l) the excess of (j) over (k) 3,167,204.01
(m) Series Participation Interest Net Default 1,797,685.33
Payment Amount
(n) Optional Repurchase Amount (principal 0.00
only) at Sec. 9
Application of Investor Finance Charges and
Admin Collections
Investor Finance Charges and Admin. 4,563,146.65
Collections [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 1,900,142.83
[Sec. 4.11(a)(ii)]
Series Participation Interest Interest 0.00
Shorfall [Sec. 4.11(a)(ii)]
Additional Interest [Sec. 4.11(a)(ii)] 0.00
Series Participation Interest Default Amount 1,797,685.33
[Sec. 4.11(a)(iii)]
Reimbursed Series Participation Interest 0.00
Charge-Offs [Sec. 4.11(a)(iv)]
Servicing Fee Paid [Sec. 4.11(a)(v)] 459,711.98
Excess [Sec. 4.11(a)(vi)] 405,606.51
Series Participation Investor Charge Off [Sec. 0.00
4.12(a)]
Seller's Interest
1,398,548,232.07
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Series 1995-1 Owner Trust Calculations
Due Period July 2000
Payment Date Aug 15, 2000
<S> <C>
Optimum Monthly Principal [a+b+c]
(a) Available Investor Principal Collections 6,695,982.77
(b) Series Participation Interest Charge Offs 0.00
(c) Lesser of Excess Interest and Carryover Charge 0.00
offs
Accelerated Principal Payment 57,464.00
Series Participation Interest Monthly Interest 1,900,142.83
Allocation of Optimum Monthly Principal and Series
Part. Interest Monthly Interest
Interest and Yield
Pay Class A Interest Distribution- Sec. 762,494.10
3.05(a)(i)(a)
Pay Class B Interest Distribution- Sec. 596,138.50
3.05(a)(i)(b)
Pay Certificates the Certificate Yield- Sec. 59,541.08
3.05(a)(i)(c)
Principal up to Optimum Monthly Principal Balance
Pay Class A to Targeted Principal Balance- Sec. 3,289,036.19
3.05(a)(ii)(a)
Pay Class B to Targeted Principal Balance 2,477,513.62
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 234,359.39
subject to Min Adj Bal- Sec. 3.05(a)(iii)
Pay OC Remaining Optimal Monthly Prin Amt 695,073.57
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) 57,464.00
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 424,505.15
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 695,073.57
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)(d)
To Designated Certificate Holder up to total 57,464.00
Accelerated Principal Payments
To Designated Certificate Holder up to Holdback 637,609.57
Amount
To HCLC any remaining amounts 0.00
Principal paid to the Designated Certificate 2,351.02
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Household Consumer Loan Trust,1995-1
Series 1995-1 Owner Trust Calculations
Due Period Ending Jul 31, 2000
Payment Date Aug 15, 2000
Calculation of Interest Expense
Index (LIBOR) 6.626250%
Accrual end date, Aug 15, 2000
ACCRUAL beginning date Jul 17, 2000
and days in Interest Period 29
<S> <C> <C> <C> <C>
Class A Class B Certs Overcoll
Amount
Beginning Unpaid Principal 137,854,637 102,056,059 9,653,951 26,262,538
Balance
Previously unpaid 0.00 0.00 0.00
interest/yield
Spread to index 0.24% 0.625% 1.03%
Rate (capped at 13.0%, 15%, 6.866250% 7.251250% 7.656250%
16%)
Interest/Yield Payable on the 762,494.10 596,138.50 59,541.08
Principal Balance
Interest on previously unpaid 0.00 0.00 0.00
interest/yield
Interest/Yield Due 762,494 596,139 59,541
Interest/Yield Paid 762,494 596,139 59,541
Summary
Beginning Security Balance 137,854,637 102,056,059 9,653,951 26,262,538
Beginning Adjusted Balance 137,854,637 102,056,059 9,653,951
Principal Paid 3,346,500 2,477,514 234,359 695,074
Ending Security Balance 134,508,137 99,578,545 9,419,592 25,624,928
Ending Adjusted Balance 134,508,137 99,578,545 9,419,592
Ending Certificate Balance as 0
% Participation Interest
Invested Amount
Targeted Balance 134,565,601 99,578,545 9,419,592
Minimum Adjusted Balance 61,666,667 5,833,333 15,833,333
Certificate Minimum Balance 8,155,752
Ending OC Amount as Holdback 25,624,928
Amount
Ending OC Amount as 0
Accelerated Prin Pmts
Beginning Net Charge offs 0 0 0 0
Reversals 0 0 0 0
Charge offs 0 0 0 0
Ending Net Charge Offs 0 0 0 0
Interest/Yield Paid per $1000 $1.0166588 $3.4619765 $1.9647928
Principal Paid per $1000 $4.4620003 $14.3877536 $7.7336124
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