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<TABLE>
Household Consumer Loan Trust, Series 1995-1
Deposit Trust Calculations
Previous Due Period Ending Apr 30, 2000
Current Due Period Ending May 31, 2000
Prior Distribution Date May 12, 2000
Distribution Date Jun 14, 2000
<S> <C>
Beginning Trust Principal Receivables 3,585,662,165.33
Average Principal Receivables 4,239,012,155.99
FC&A Collections (Includes Recoveries) 69,585,368.69
Principal Collections 133,408,417.36
Additional Balances 54,678,732.34
Net Principal Collections 78,729,685.02
Defaulted Amount 29,002,940.20
Miscellaneous Payments 0.00
Principal Recoveries 1,862,795.00
Beginning Participation Invested Amount 290,364,433.33
Beginning Participation Unpaid Principal Balance 290,364,433.33
Ending Participation Invested Amount 282,984,949.26
Ending Participation Unpaid Principal Balance 282,984,949.26
Accelerated Amortization Date Oct 15, 2000
Is it the Accelerated Amortization Period? 0=No 0
OC Balance as % of Ending Participation Invested 9.521%
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 290,364,433.33
Numerator for Fixed Allocation 298,472,100.87
Denominator - Max(Sum of Numerators, Principal 4,239,012,155.99
Receivables)
Applicable Allocation Percentage 6.8498%
Investor FC&A Collections 4,766,468.08
Series Participation Interest Default Amount
Numerator for Floating Allocation 290,364,433.33
Denominator - Max(Sum of Numerators, Principal 4,239,012,155.99
Receivables)
Floating Allocation Percentage 6.8498%
Series Participation Interest Default Amount 1,986,647.36
Principal Allocation Components
Numerator for Floating Allocation 290,364,433.33
Numerator for Fixed Allocation 298,472,100.87
Denominator - Max(Sum of Numerators, Principal 4,239,012,155.99
Receivables)
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Series Participation Interest Monthly Interest
(a) Series Participation Interest Pass Through 7.5000%
Rate, [Max(b,c)]
(b) Prime Rate minus 1.50% 7.5000%
(c) Rate Sufficient to Cover Interest, Yield and 6.1349%
Accelerated Principal Pmt Amount
(d) Series Participation Interest Unpaid 290,364,433.33
Principal Balance
(e) Actual days in the Interest Period 33
Series Participation Monthly Interest, [a*d*e] 1,996,255.48
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] 7,379,484.07
(a) Investor Principal Collections, [Max(b,h) or 5,392,836.71
e]
(b) prior to Accelerated Amort. Date or not Early 5,392,836.71
Amort. Period, [c*d]
(c) Floating Allocation Percentage 6.8498%
(d) Net Principal Collections 78,729,685.02
(e) after Accelerated Amort Date or Early Amort 9,393,389.11
Period, [f*g]
(f) Fixed Allocation Percentage 7.0411%
(g) Collections of Principal
133,408,417.36
(h) Minimum Principal Amount, [Min(i,l)] 3,239,912.44
(i) Floating Allocation Percentage of Principal 9,138,227.98
Collections
(j) 1.8% of the Series Participation Interest 5,226,559.80
Invested Amount
(k) Series Participation Interest Net Default 1,986,647.36
Payment Amount
(l) the excess of (j) over (k) 3,239,912.44
(m) Series Participation Interest Net Default 1,986,647.36
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 4,766,468.08
[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 1,996,255.48
[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 1,986,647.36
[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)] 483,940.72
Excess [Sec. 4.11(a)(vi)] 299,624.52
Series Participation Investor Charge Off [Sec. 0.00
4.12(a)]
Seller's Interest 1.469.928,117.17
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<TABLE>
Household Consumer
Loan Trust, 1995-1
Series 1995-1 Owner
Trust Calculations
Due Period Ending 5/31/2000
Payment Date 6/15/2000
Calculation of Interest Expense
Index (LIBOR) 6.522500%
Accrual end date, 6/15/2000
accrual beginning 5/15/2000
date and days in 31
Interest Period
<S> <C> <C> <C> <C>
Class A Class B Certificates Overcoll
Amount
Beginning Unpaid
Principal Balance 145,120,03 107,434,840 10,162,755 27,646,803
5
Previously unpaid
interest/yield - - -
Spread to index 0.24% 0.625% 1.03%
Rate (capped at 6.762500% 7.147500% 7.552500%
13.0%, 15%, 16%)
Interest/Yield
Payable on the 845,072 661,239 66,094
Principal Balance
Interest on
previously unpaid - - -
interest/yield
Interest/Yield Due
845,072 661,239 66,094
Interest/Yield Paid
845,072 661,239 66,094
Summary
Beginning Security
Balance 145,120,035 107,434,840 10,162,755 27,646,803
Beginning Adjusted
Balance 145,120,035 107,434,840 10,162,755
Principal Paid
3,688,053 2,730,409 258,282 763,233
Ending Security
Balance 141,431,982 104,704,431 9,904,473 26,944,063
Ending Adjusted
Balance 141,431,982 104,704,431 9,904,473
Ending Certificate
Balance as % 0
Participation
Interest Invested
Amount
Targeted Balance
141,492,475 104,704,431 9,904,473
Minimum Adjusted
Balance 61,666,667 5,833,333 15,833,333
Certificate Minimum
Balance 8,575,576
Ending OC Amount as
Holdback Amount 26,944,063
Ending OC Amount as
Accelerated Prin 0
Pmts
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Beginning Net Charge
offs - - - -
Reversals
- - - -
Charge offs
- - - -
Ending Net Charge
Offs - - - -
Interest/Yield Paid $1.1267630 $3.8400373 $2.1810289
per $1000
Principal Paid per $4.9174039 $15.8564026 $8.5230313
$1000
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<TABLE>
Series 1995-1 Owner Trust Calculations
Due Period May 2000
Payment Date Jun 15, 2000
<S> <C>
Optimum Monthly Principal [a+b+c]
(a) Available Investor Principal Collections 7,379,484.07
(b) Series Participation Interest Charge Offs 0.00
(c) Lesser of Excess Interest and Carryover Charge 0.00
offs
Accelerated Principal Payment 60,492.59
Series Participation Interest Monthly Interest 1,996,255.48
Allocation of Optimum Monthly Principal and Series
Part. Interest Monthly Interest
Interest and Yield
Pay Class A Interest Distribution- Sec. 845,072.26
3.05(a)(i)(a)
Pay Class B Interest Distribution- Sec. 661,239.06
3.05(a)(i)(b)
Pay Certificates the Certificate Yield- Sec. 66,093.90
3.05(a)(i)(c)
Principal up to Optimum Monthly Principal Balance
Pay Class A to Targeted Principal Balance- Sec. 3,627,560.35
3.05(a)(ii)(a)
Pay Class B to Targeted Principal Balance subject to 2,730,409.10
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 258,281.94
subject to Min Adj Bal- Sec. 3.05(a)(iii)
Pay OC Remaining Optimal Monthly Prin Amt subject to 763,232.68
OC Min Bal- Sec. 3.05(a)(iv)
Principal up to Accelerated Principal Payment Amout
Pay Class A to Targeted Principal Balance subject to 0.00
Min Adj Bal- Sec. 3.05(a)(v)(a)
Pay Class B to Targeted Principal Balance subject to 0.00
Min Adj Bal- Sec. 3.05(a)(v)(b)
Pay Class A to zero- Sec. 3.05(a)(v)(c) 60,492.59
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 Certificate 363,357.67
- Sec. 3.05(a)(vii)
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Allocations of Distributions to Overcollateralization
Amount
Available Distributions
Pay OC Remaining Optimal Monthly Prin Amt 763,232.68
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 60,492.59
Accelerated Principal Payments
To Designated Certificate Holder up to Holdback Amount 702,740.09
To HCLC any remaining amounts 0.00
Principal paid to the Designated Certificate 2,591.00
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