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Household Consumer Loan Trust, Series 1995-1
Deposit Trust Calculations
Previous Due Period Ending Aug 31, 2000
Current Due Period Ending Sep 30, 2000
Prior Distribution Date Sep 14, 2000
Distribution Date Oct 13, 2000
<S> <C>
Beginning Trust Principal Receivables 3,836,588,097.46
Average Principal Receivables 3,836,428,089.12
FC&A Collections (Includes Recoveries) 62,563,942.68
Principal Collections 109,782,387.69
Additional Balances 45,086,252.81
Net Principal Collections 64,696,134.88
Defaulted Amount 24,564,851.61
Miscellaneous Payments 0.00
Principal Recoveries 1,153,850.68
Beginning Participation Invested Amount 262,784,453.36
Beginning Participation Unpaid Principal Balance 262,784,453.36
Ending Participation Invested Amount 253,400,430.96
Ending Participation Unpaid Principal Balance 253,400,430.96
Accelerated Amortization Date Aug 31, 2000
Is it the Accelerated Amortization Period? 0=No 1
OC Balance as % of Ending Participation Invested 9.521%
Amount (3 month average)
Is it Early Amortization? (No, if 3 month OC Average 0
>or=4.25%) 0=No
Investor Finance Charges and Administrative
Collections
Numerator for Floating Allocation 262,784,453.36
Numerator for Fixed Allocation 269,131,202.56
Denominator - Max(Sum of Numerators, Principal 3,836,428,089.12
Receivables)
Applicable Allocation Percentage 6.8497%
Investor FC&A Collections 4,285,452.79
Series Participation Interest Default Amount
Numerator for Floating Allocation 262,784,453.36
Denominator - Max(Sum of Numerators, Principal 3,836,428,089.12
Receivables)
Floating Allocation Percentage 6.8497%
Series Participation Interest Default Amount 1,682,622.73
Principal Allocation Components
Numerator for Floating Allocation 0.00
Numerator for Fixed Allocation 269,131,202.56
Denominator - Max(Sum of Numerators, Principal 3,836,428,089.12
Receivables)
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Series Participation Interest Monthly Interest
(a) Series Participation Interest Pass Through Rate, 8.0000%
[Max(b,c)]
(b) Prime Rate minus 1.50% 8.0000%
(c) Rate Sufficient to Cover Interest, Yield and 7.0766%
Accelerated Principal Pmt Amount
(d) Series Participation Interest Unpaid Principal 262,784,453.36
Balance
(e) Actual days in the Interest Period 29
Series Participation Monthly Interest, [a*d*e] 1,693,499.81
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] 9,384,022.40
(a) Investor Principal Collections, [Max(b,h) or e] 7,701,399.67
(b) prior to Accelerated Amort. Date or not Early 4,538,531.20
Amort. Period, [c*d]
(c) Floating Allocation Percentage 7.0152%
(d) Net Principal Collections 64,696,134.88
(e) after Accelerated Amort Date or Early Amort 7,701,399.67
Period, [f*g]
(f) Fixed Allocation Percentage 7.0152%
(g) Collections of Principal
109,782,387.69
(h) Minimum Principal Amount, [Min(i,l)] 3,047,497.43
(i) Floating Allocation Percentage of Principal 7,701,399.67
Collections
(j) 1.8% of the Series Participation Interest 4,730,120.16
Invested Amount
(k) Series Participation Interest Net Default Payment 1,682,622.73
Amount
(l) the excess of (j) over (k) 3,047,497.43
(m) Series Participation Interest Net Default Payment 1,682,622.73
Amount
(n) Optional Repurchase Amount (principal only) at 0.00
Sec. 9
Application of Investor Finance Charges and Admin
Collections
Investor Finance Charges and Admin. Collections [Sec. 4,285,452.79
4.11(a)]
Series Servicing Fee paid if HFC is not the Servicer 0.00
[Sec. 4.11(a)(i)]
plus any unpaid Series Servicing Fee of other than HFC 0.00
Series Participation Interest Monthly Interest [Sec. 1,693,499.81
4.11(a)(ii)]
Series Participation Interest Interest Shorfall [Sec. 0.00
4.11(a)(ii)]
Additional Interest [Sec. 4.11(a)(ii)] 0.00
Series Participation Interest Default Amount [Sec. 1,682,622.73
4.11(a)(iii)]
Reimbursed Series Participation Interest Charge-Offs 0.00
[Sec. 4.11(a)(iv)]
Servicing Fee Paid [Sec. 4.11(a)(v)] 437,974.09
Excess [Sec. 4.11(a)(vi)] 471,356.16
Series Participation Investor Charge Off [Sec. 0.00
4.12(a)]
Seller's Interest
1,345,127,181.41
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Series 1995-1 Owner Trust Calculations
Due Period September 2000
Payment Date Oct 16, 2000
<S> <C>
Optimum Monthly Principal [a+b+c]
(a) Available Investor Principal Collections 9,384,022.40
(b) Series Participation Interest Charge Offs 0.00
(c) Lesser of Excess Interest and Carryover Charge 0.00
offs
Accelerated Principal Payment 54,746.76
Series Participation Interest Monthly Interest 1,693,499.81
Allocation of Optimum Monthly Principal and Series
Part. Interest Monthly Interest
Interest and Yield
Pay Class A Interest Distribution- Sec. 775,973.24
3.05(a)(i)(a)
Pay Class B Interest Distribution- Sec. 606,699.87
3.05(a)(i)(b)
Pay Certificates the Certificate Yield- Sec. 60,598.14
3.05(a)(i)(c)
Principal up to Optimum Monthly Principal Balance
Pay Class A to Targeted Principal Balance- Sec. 4,635,942.20
3.05(a)(ii)(a)
Pay Class B to Targeted Principal Balance subject 3,472,088.28
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 328,440.79
subject to Min Adj Bal- Sec. 3.05(a)(iii)
Pay OC Remaining Optimal Monthly Prin Amt subject 947,551.13
to OC Min Bal- Sec. 3.05(a)(iv)
Principal up to Accelerated Principal Payment Amout
Pay Class A to Targeted Principal Balance subject 0.00
to Min Adj Bal- Sec. 3.05(a)(v)(a)
Pay Class B to Targeted Principal Balance subject 0.00
to Min Adj Bal- Sec. 3.05(a)(v)(b)
Pay Class A to zero- Sec. 3.05(a)(v)(c) 54,746.76
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 Balance 0.00
or zero- Sec. 3.05(a)(vi)(c)
Pay HCLC Optimum Monthly Principal provided OC >0- 0.00
Sec. 3.05(a)(vi)(d)
Remaining Amounts to Holder of Designated 195,481.80
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 947,551.13
subject to OC Min Bal- Sec. 3.05(a)(iv)
Pay HCLC Optimum Monthly Principal provided OC 0.00
>0- Sec. 3.05(a)(vi)(d)
To Designated Certificate Holder up to total 54,746.76
Accelerated Principal Payments
To Designated Certificate Holder up to Holdback 892,804.37
Amount
To HCLC any remaining amounts 0.00
Principal paid to the Designated Certificate 3,294.81
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Series 1995-1 Owner Trust
Calculations
Due Period Ending Sep 30, 2000
Payment Date Oct 16, 2000
Calculation of Interest Expense
Index (LIBOR) 6.621250%
Accrual end date, accrual Oct 16, 2000
beginning date and days in Sep 15, 2000
Interest Period 31
<S> <C> <C> <C> <C>
Class A Class B Certificates Overcoll Amount
Beginning Unpaid Principal 131,336,157.68 97,230,247.74 9,197,455.87 25,020,592.07
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%, 6.861250% 7.246250% 7.651250%
15%, 16%)
Interest/Yield Payable on 775,973 606,700 60,598
the Principal Balance
Interest on previously 0 0 0
unpaid interest/yield
Interest/Yield Due 775,973 606,700 60,598
Interest/Yield Paid 775,973 606,700 60,598
Summary
Beginning Security Balance 131,336,158 97,230,248 9,197,456 25,020,592
Beginning Adjusted Balance 131,336,158 97,230,248 9,197,456
Principal Paid 4,690,689 3,472,088 328,441 947,551
Ending Security Balance 126,645,469 93,758,159 8,869,015 24,127,788
Ending Adjusted Balance 126,645,469 93,758,159 8,869,015
Ending Certificate Balance 0
as % Participation
Interest Invested Amount
Targeted Balance 126,700,215 93,758,159 8,869,015
Minimum Adjusted Balance 61,666,667 5,833,333 15,833,333
Certificate Minimum 7,679,047
Balance
Ending OC Amount as 24,127,788
Holdback 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 $1.0346310 $3.5233099 $1.9996746
$1000
Principal Paid per $1000 $6.2542519 $20.1635827 $10.8381992
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