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<TITLE>Household Consumer Loan Trust, 1996-1</TITLE>
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<FONT FACE="Courier,Courier New" SIZE=2><P>Household Consumer Loan Trust, 1996-1</FONT></TD>
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<FONT FACE="Courier,Courier New" SIZE=2><P>Series 1996-1  Owner Trust Calculations</FONT></TD>
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<FONT FACE="Courier,Courier New" SIZE=2><P>Due Period Ending</FONT></TD>
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<FONT FACE="Courier,Courier New" SIZE=2><P ALIGN="RIGHT">Jun 30, 2002</FONT></TD>
<TD WIDTH="15%" VALIGN="TOP" HEIGHT=12><P></P></TD>
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<FONT FACE="Courier,Courier New" SIZE=2><P>Payment Date</FONT></TD>
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<FONT FACE="Courier,Courier New" SIZE=2><P ALIGN="RIGHT">Jul 15, 2002</FONT></TD>
<TD WIDTH="15%" VALIGN="TOP" HEIGHT=12><P></P></TD>
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<FONT FACE="Courier,Courier New" SIZE=2><P>Calculation of Interest Expense</FONT></TD>
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<TD WIDTH="15%" VALIGN="TOP" HEIGHT=12><P></P></TD>
<TD WIDTH="12%" VALIGN="TOP" HEIGHT=12><P></P></TD>
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<FONT FACE="Courier,Courier New" SIZE=2><P>Index (LIBOR)</FONT></TD>
<TD WIDTH="17%" VALIGN="TOP" HEIGHT=12>
<FONT FACE="Courier,Courier New" SIZE=2><P ALIGN="RIGHT">1.840000%</FONT></TD>
<TD WIDTH="15%" VALIGN="TOP" HEIGHT=12><P></P></TD>
<TD WIDTH="15%" VALIGN="TOP" HEIGHT=12><P></P></TD>
<TD WIDTH="12%" VALIGN="TOP" HEIGHT=12><P></P></TD>
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<FONT FACE="Courier,Courier New" SIZE=2><P>Accrual end date, accrual beginning date and days in Interest Period</FONT></TD>
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<FONT FACE="Courier,Courier New" SIZE=2><P ALIGN="RIGHT">Jul 15, 2002</P>
<P ALIGN="RIGHT">Jun 17, 2002</P>
<P ALIGN="RIGHT">28</FONT></TD>
<TD WIDTH="15%" VALIGN="TOP" HEIGHT=12><P></P></TD>
<TD WIDTH="15%" VALIGN="TOP" HEIGHT=12><P></P></TD>
<TD WIDTH="12%" VALIGN="TOP" HEIGHT=12><P></P></TD>
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<TD WIDTH="17%" VALIGN="TOP" HEIGHT=12>
<FONT FACE="Courier,Courier New" SIZE=2><P ALIGN="RIGHT">Class A</FONT></TD>
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<FONT FACE="Courier,Courier New" SIZE=2><P ALIGN="RIGHT">Class B</FONT></TD>
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<FONT FACE="Courier,Courier New" SIZE=2><P ALIGN="RIGHT">Certificates</FONT></TD>
<TD WIDTH="12%" VALIGN="TOP" HEIGHT=12>
<FONT FACE="Courier,Courier New" SIZE=2><P ALIGN="RIGHT">Overcoll Amount</FONT></TD>
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<FONT FACE="Courier,Courier New" SIZE=2><P>Beginning Unpaid Principal Balance</FONT></TD>
<TD WIDTH="17%" VALIGN="TOP" HEIGHT=12>
<FONT FACE="Courier,Courier New" SIZE=2><P ALIGN="RIGHT">45,178,682</FONT></TD>
<TD WIDTH="15%" VALIGN="TOP" HEIGHT=12>
<FONT FACE="Courier,Courier New" SIZE=2><P ALIGN="RIGHT">49,000,000</FONT></TD>
<TD WIDTH="15%" VALIGN="TOP" HEIGHT=12>
<FONT FACE="Courier,Courier New" SIZE=2><P ALIGN="RIGHT">4,900,000</FONT></TD>
<TD WIDTH="12%" VALIGN="TOP" HEIGHT=12>
<FONT FACE="Courier,Courier New" SIZE=2><P ALIGN="RIGHT">13,324,901</FONT></TD>
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<FONT FACE="Courier,Courier New" SIZE=2><P>Previously unpaid interest/yield</FONT></TD>
<TD WIDTH="17%" VALIGN="TOP" HEIGHT=12>
<FONT FACE="Courier,Courier New" SIZE=2><P ALIGN="RIGHT">0.00</FONT></TD>
<TD WIDTH="15%" VALIGN="TOP" HEIGHT=12>
<FONT FACE="Courier,Courier New" SIZE=2><P ALIGN="RIGHT">0.00</FONT></TD>
<TD WIDTH="15%" VALIGN="TOP" HEIGHT=12>
<FONT FACE="Courier,Courier New" SIZE=2><P ALIGN="RIGHT">0.00</FONT></TD>
<TD WIDTH="12%" VALIGN="TOP" HEIGHT=12><P></P></TD>
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<FONT FACE="Courier,Courier New" SIZE=2><P>Spread to index</FONT></TD>
<TD WIDTH="17%" VALIGN="TOP" HEIGHT=12>
<FONT FACE="Courier,Courier New" SIZE=2><P ALIGN="RIGHT">0.22%</FONT></TD>
<TD WIDTH="15%" VALIGN="TOP" HEIGHT=12>
<FONT FACE="Courier,Courier New" SIZE=2><P ALIGN="RIGHT">0.60%</FONT></TD>
<TD WIDTH="15%" VALIGN="TOP" HEIGHT=12>
<FONT FACE="Courier,Courier New" SIZE=2><P ALIGN="RIGHT">1.00%</FONT></TD>
<TD WIDTH="12%" VALIGN="TOP" HEIGHT=12><P></P></TD>
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<FONT FACE="Courier,Courier New" SIZE=2><P>Rate (capped at 13%, 15%, 16%)</FONT></TD>
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<FONT FACE="Courier,Courier New" SIZE=2><P ALIGN="RIGHT">2.060000%</FONT></TD>
<TD WIDTH="15%" VALIGN="TOP" HEIGHT=12>
<FONT FACE="Courier,Courier New" SIZE=2><P ALIGN="RIGHT">2.440000%</FONT></TD>
<TD WIDTH="15%" VALIGN="TOP" HEIGHT=12>
<FONT FACE="Courier,Courier New" SIZE=2><P ALIGN="RIGHT">2.840000%</FONT></TD>
<TD WIDTH="12%" VALIGN="TOP" HEIGHT=12>
<FONT FACE="Courier,Courier New" SIZE=2><P> </FONT></TD>
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<FONT FACE="Courier,Courier New" SIZE=2><P>Interest/Yield  Payable on the Principal Balance</FONT></TD>
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<FONT FACE="Courier,Courier New" SIZE=2><P ALIGN="RIGHT">72,386</FONT></TD>
<TD WIDTH="15%" VALIGN="TOP" HEIGHT=12>
<FONT FACE="Courier,Courier New" SIZE=2><P ALIGN="RIGHT">92,991</FONT></TD>
<TD WIDTH="15%" VALIGN="TOP" HEIGHT=12>
<FONT FACE="Courier,Courier New" SIZE=2><P ALIGN="RIGHT">10,824</FONT></TD>
<TD WIDTH="12%" VALIGN="TOP" HEIGHT=12>
<FONT FACE="Courier,Courier New" SIZE=2><P> </FONT></TD>
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<FONT FACE="Courier,Courier New" SIZE=2><P>Interest on previously unpaid interest/yield</FONT></TD>
<TD WIDTH="17%" VALIGN="TOP" HEIGHT=12>
<FONT FACE="Courier,Courier New" SIZE=2><P ALIGN="RIGHT">0</FONT></TD>
<TD WIDTH="15%" VALIGN="TOP" HEIGHT=12>
<FONT FACE="Courier,Courier New" SIZE=2><P ALIGN="RIGHT">0</FONT></TD>
<TD WIDTH="15%" VALIGN="TOP" HEIGHT=12>
<FONT FACE="Courier,Courier New" SIZE=2><P ALIGN="RIGHT">0</FONT></TD>
<TD WIDTH="12%" VALIGN="TOP" HEIGHT=12>
<FONT FACE="Courier,Courier New" SIZE=2><P> </FONT></TD>
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<FONT FACE="Courier,Courier New" SIZE=2><P>Interest/Yield Due</FONT></TD>
<TD WIDTH="17%" VALIGN="TOP" HEIGHT=12>
<FONT FACE="Courier,Courier New" SIZE=2><P ALIGN="RIGHT">72,386</FONT></TD>
<TD WIDTH="15%" VALIGN="TOP" HEIGHT=12>
<FONT FACE="Courier,Courier New" SIZE=2><P ALIGN="RIGHT">92,991</FONT></TD>
<TD WIDTH="15%" VALIGN="TOP" HEIGHT=12>
<FONT FACE="Courier,Courier New" SIZE=2><P ALIGN="RIGHT">10,824</FONT></TD>
<TD WIDTH="12%" VALIGN="TOP" HEIGHT=12><P></P></TD>
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<FONT FACE="Courier,Courier New" SIZE=2><P>Interest/Yield Paid</FONT></TD>
<TD WIDTH="17%" VALIGN="TOP" HEIGHT=12>
<FONT FACE="Courier,Courier New" SIZE=2><P ALIGN="RIGHT">72,386</FONT></TD>
<TD WIDTH="15%" VALIGN="TOP" HEIGHT=12>
<FONT FACE="Courier,Courier New" SIZE=2><P ALIGN="RIGHT">92,991</FONT></TD>
<TD WIDTH="15%" VALIGN="TOP" HEIGHT=12>
<FONT FACE="Courier,Courier New" SIZE=2><P ALIGN="RIGHT">10,824</FONT></TD>
<TD WIDTH="12%" VALIGN="TOP" HEIGHT=12>
<FONT FACE="Courier,Courier New" SIZE=2><P> </FONT></TD>
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<TR><TD WIDTH="40%" VALIGN="TOP" HEIGHT=12><P></P></TD>
<TD WIDTH="17%" VALIGN="TOP" HEIGHT=12><P></P></TD>
<TD WIDTH="15%" VALIGN="TOP" HEIGHT=12><P></P></TD>
<TD WIDTH="15%" VALIGN="TOP" HEIGHT=12><P></P></TD>
<TD WIDTH="12%" VALIGN="TOP" HEIGHT=12>
<FONT FACE="Courier,Courier New" SIZE=2><P> </FONT></TD>
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<FONT FACE="Courier,Courier New" SIZE=2><P>Summary</FONT></TD>
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<TD WIDTH="15%" VALIGN="TOP" HEIGHT=12><P></P></TD>
<TD WIDTH="12%" VALIGN="TOP" HEIGHT=12><P></P></TD>
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<TD WIDTH="17%" VALIGN="TOP" HEIGHT=12><P></P></TD>
<TD WIDTH="15%" VALIGN="TOP" HEIGHT=12><P></P></TD>
<TD WIDTH="15%" VALIGN="TOP" HEIGHT=12><P></P></TD>
<TD WIDTH="12%" VALIGN="TOP" HEIGHT=12><P></P></TD>
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<FONT FACE="Courier,Courier New" SIZE=2><P>Beginning Security Balance</FONT></TD>
<TD WIDTH="17%" VALIGN="TOP" HEIGHT=12>
<FONT FACE="Courier,Courier New" SIZE=2><P ALIGN="RIGHT">45,178,682</FONT></TD>
<TD WIDTH="15%" VALIGN="TOP" HEIGHT=12>
<FONT FACE="Courier,Courier New" SIZE=2><P ALIGN="RIGHT">49,000,000</FONT></TD>
<TD WIDTH="15%" VALIGN="TOP" HEIGHT=12>
<FONT FACE="Courier,Courier New" SIZE=2><P ALIGN="RIGHT">4,900,000</FONT></TD>
<TD WIDTH="12%" VALIGN="TOP" HEIGHT=12>
<FONT FACE="Courier,Courier New" SIZE=2><P ALIGN="RIGHT">13,324,901</FONT></TD>
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<FONT FACE="Courier,Courier New" SIZE=2><P>Beginning Adjusted Balance</FONT></TD>
<TD WIDTH="17%" VALIGN="TOP" HEIGHT=12>
<FONT FACE="Courier,Courier New" SIZE=2><P ALIGN="RIGHT">45,178,682</FONT></TD>
<TD WIDTH="15%" VALIGN="TOP" HEIGHT=12>
<FONT FACE="Courier,Courier New" SIZE=2><P ALIGN="RIGHT">49,000,000</FONT></TD>
<TD WIDTH="15%" VALIGN="TOP" HEIGHT=12>
<FONT FACE="Courier,Courier New" SIZE=2><P ALIGN="RIGHT">4,900,000</FONT></TD>
<TD WIDTH="12%" VALIGN="TOP" HEIGHT=12><P></P></TD>
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<FONT FACE="Courier,Courier New" SIZE=2><P>Principal Paid</FONT></TD>
<TD WIDTH="17%" VALIGN="TOP" HEIGHT=12>
<FONT FACE="Courier,Courier New" SIZE=2><P ALIGN="RIGHT">7,030,668</FONT></TD>
<TD WIDTH="15%" VALIGN="TOP" HEIGHT=12>
<FONT FACE="Courier,Courier New" SIZE=2><P ALIGN="RIGHT">0</FONT></TD>
<TD WIDTH="15%" VALIGN="TOP" HEIGHT=12>
<FONT FACE="Courier,Courier New" SIZE=2><P ALIGN="RIGHT">0</FONT></TD>
<TD WIDTH="12%" VALIGN="TOP" HEIGHT=12>
<FONT FACE="Courier,Courier New" SIZE=2><P ALIGN="RIGHT">24,901</FONT></TD>
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<TR><TD WIDTH="40%" VALIGN="TOP" HEIGHT=12>
<FONT FACE="Courier,Courier New" SIZE=2><P>Ending Security Balance</FONT></TD>
<TD WIDTH="17%" VALIGN="TOP" HEIGHT=12>
<FONT FACE="Courier,Courier New" SIZE=2><P ALIGN="RIGHT">38,148,014</FONT></TD>
<TD WIDTH="15%" VALIGN="TOP" HEIGHT=12>
<FONT FACE="Courier,Courier New" SIZE=2><P ALIGN="RIGHT">49,000,000</FONT></TD>
<TD WIDTH="15%" VALIGN="TOP" HEIGHT=12>
<FONT FACE="Courier,Courier New" SIZE=2><P ALIGN="RIGHT">4,900,000</FONT></TD>
<TD WIDTH="12%" VALIGN="TOP" HEIGHT=12>
<FONT FACE="Courier,Courier New" SIZE=2><P ALIGN="RIGHT">13,323,417</FONT></TD>
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<FONT FACE="Courier,Courier New" SIZE=2><P>Ending Adjusted Balance</FONT></TD>
<TD WIDTH="17%" VALIGN="TOP" HEIGHT=12>
<FONT FACE="Courier,Courier New" SIZE=2><P ALIGN="RIGHT">38,148,014</FONT></TD>
<TD WIDTH="15%" VALIGN="TOP" HEIGHT=12>
<FONT FACE="Courier,Courier New" SIZE=2><P ALIGN="RIGHT">49,000,000</FONT></TD>
<TD WIDTH="15%" VALIGN="TOP" HEIGHT=12>
<FONT FACE="Courier,Courier New" SIZE=2><P ALIGN="RIGHT">4,900,000</FONT></TD>
<TD WIDTH="12%" VALIGN="TOP" HEIGHT=12><P></P></TD>
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<FONT FACE="Courier,Courier New" SIZE=2><P>Ending Certificate Balance as % Participation Interest Invested Amount</FONT></TD>
<TD WIDTH="17%" VALIGN="TOP" HEIGHT=12><P></P></TD>
<TD WIDTH="15%" VALIGN="TOP" HEIGHT=12><P></P></TD>
<TD WIDTH="15%" VALIGN="TOP" HEIGHT=12>
<FONT FACE="Courier,Courier New" SIZE=2><P ALIGN="RIGHT">0</FONT></TD>
<TD WIDTH="12%" VALIGN="TOP" HEIGHT=12><P></P></TD>
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<FONT FACE="Courier,Courier New" SIZE=2><P>Targeted Balance</FONT></TD>
<TD WIDTH="17%" VALIGN="TOP" HEIGHT=12>
<FONT FACE="Courier,Courier New" SIZE=2><P ALIGN="RIGHT">54,793,144</FONT></TD>
<TD WIDTH="15%" VALIGN="TOP" HEIGHT=12>
<FONT FACE="Courier,Courier New" SIZE=2><P ALIGN="RIGHT">46,494,463</FONT></TD>
<TD WIDTH="15%" VALIGN="TOP" HEIGHT=12>
<FONT FACE="Courier,Courier New" SIZE=2><P ALIGN="RIGHT">1,182,463</FONT></TD>
<TD WIDTH="12%" VALIGN="TOP" HEIGHT=12><P></P></TD>
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<FONT FACE="Courier,Courier New" SIZE=2><P>Minimum Adjusted Balance</FONT></TD>
<TD WIDTH="17%" VALIGN="TOP" HEIGHT=12><P></P></TD>
<TD WIDTH="15%" VALIGN="TOP" HEIGHT=12>
<FONT FACE="Courier,Courier New" SIZE=2><P ALIGN="RIGHT">49,000,000</FONT></TD>
<TD WIDTH="15%" VALIGN="TOP" HEIGHT=12>
<FONT FACE="Courier,Courier New" SIZE=2><P ALIGN="RIGHT">4,900,000</FONT></TD>
<TD WIDTH="12%" VALIGN="TOP" HEIGHT=12>
<FONT FACE="Courier,Courier New" SIZE=2><P ALIGN="RIGHT">13,300,000</FONT></TD>
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<TR><TD WIDTH="40%" VALIGN="TOP" HEIGHT=12>
<FONT FACE="Courier,Courier New" SIZE=2><P>Certificate Minimum Balance</FONT></TD>
<TD WIDTH="17%" VALIGN="TOP" HEIGHT=12><P></P></TD>
<TD WIDTH="15%" VALIGN="TOP" HEIGHT=12>
<FONT FACE="Courier,Courier New" SIZE=2><P> </FONT></TD>
<TD WIDTH="15%" VALIGN="TOP" HEIGHT=12>
<FONT FACE="Courier,Courier New" SIZE=2><P ALIGN="RIGHT">3,193,176</FONT></TD>
<TD WIDTH="12%" VALIGN="TOP" HEIGHT=12><P></P></TD>
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<TR><TD WIDTH="40%" VALIGN="TOP" HEIGHT=12>
<FONT FACE="Courier,Courier New" SIZE=2><P>Ending OC Amount as Holdback Amount</FONT></TD>
<TD WIDTH="17%" VALIGN="TOP" HEIGHT=12><P></P></TD>
<TD WIDTH="15%" VALIGN="TOP" HEIGHT=12><P></P></TD>
<TD WIDTH="15%" VALIGN="TOP" HEIGHT=12><P></P></TD>
<TD WIDTH="12%" VALIGN="TOP" HEIGHT=12>
<FONT FACE="Courier,Courier New" SIZE=2><P ALIGN="RIGHT">13,323,417</FONT></TD>
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<TR><TD WIDTH="40%" VALIGN="TOP" HEIGHT=12>
<FONT FACE="Courier,Courier New" SIZE=2><P>Ending OC Amount as Accelerated Prin Pmts</FONT></TD>
<TD WIDTH="17%" VALIGN="TOP" HEIGHT=12><P></P></TD>
<TD WIDTH="15%" VALIGN="TOP" HEIGHT=12><P></P></TD>
<TD WIDTH="15%" VALIGN="TOP" HEIGHT=12><P></P></TD>
<TD WIDTH="12%" VALIGN="TOP" HEIGHT=12>
<FONT FACE="Courier,Courier New" SIZE=2><P ALIGN="RIGHT">0</FONT></TD>
</TR>
<TR><TD WIDTH="40%" VALIGN="TOP" HEIGHT=12><P></P></TD>
<TD WIDTH="17%" VALIGN="TOP" HEIGHT=12><P></P></TD>
<TD WIDTH="15%" VALIGN="TOP" HEIGHT=12><P></P></TD>
<TD WIDTH="15%" VALIGN="TOP" HEIGHT=12><P></P></TD>
<TD WIDTH="12%" VALIGN="TOP" HEIGHT=12><P></P></TD>
</TR>
<TR><TD WIDTH="40%" VALIGN="TOP" HEIGHT=12>
<FONT FACE="Courier,Courier New" SIZE=2><P>Beginning Net Charge offs</FONT></TD>
<TD WIDTH="17%" VALIGN="TOP" HEIGHT=12>
<FONT FACE="Courier,Courier New" SIZE=2><P ALIGN="RIGHT">0</FONT></TD>
<TD WIDTH="15%" VALIGN="TOP" HEIGHT=12>
<FONT FACE="Courier,Courier New" SIZE=2><P ALIGN="RIGHT">0</FONT></TD>
<TD WIDTH="15%" VALIGN="TOP" HEIGHT=12>
<FONT FACE="Courier,Courier New" SIZE=2><P ALIGN="RIGHT">0</FONT></TD>
<TD WIDTH="12%" VALIGN="TOP" HEIGHT=12>
<FONT FACE="Courier,Courier New" SIZE=2><P ALIGN="RIGHT">0</FONT></TD>
</TR>
<TR><TD WIDTH="40%" VALIGN="TOP" HEIGHT=12>
<FONT FACE="Courier,Courier New" SIZE=2><P>Reversals</FONT></TD>
<TD WIDTH="17%" VALIGN="TOP" HEIGHT=12>
<FONT FACE="Courier,Courier New" SIZE=2><P ALIGN="RIGHT">0</FONT></TD>
<TD WIDTH="15%" VALIGN="TOP" HEIGHT=12>
<FONT FACE="Courier,Courier New" SIZE=2><P ALIGN="RIGHT">0</FONT></TD>
<TD WIDTH="15%" VALIGN="TOP" HEIGHT=12>
<FONT FACE="Courier,Courier New" SIZE=2><P ALIGN="RIGHT">0</FONT></TD>
<TD WIDTH="12%" VALIGN="TOP" HEIGHT=12>
<FONT FACE="Courier,Courier New" SIZE=2><P ALIGN="RIGHT">0</FONT></TD>
</TR>
<TR><TD WIDTH="40%" VALIGN="TOP" HEIGHT=12>
<FONT FACE="Courier,Courier New" SIZE=2><P>Charge offs</FONT></TD>
<TD WIDTH="17%" VALIGN="TOP" HEIGHT=12>
<FONT FACE="Courier,Courier New" SIZE=2><P ALIGN="RIGHT">0</FONT></TD>
<TD WIDTH="15%" VALIGN="TOP" HEIGHT=12>
<FONT FACE="Courier,Courier New" SIZE=2><P ALIGN="RIGHT">0</FONT></TD>
<TD WIDTH="15%" VALIGN="TOP" HEIGHT=12>
<FONT FACE="Courier,Courier New" SIZE=2><P ALIGN="RIGHT">0</FONT></TD>
<TD WIDTH="12%" VALIGN="TOP" HEIGHT=12>
<FONT FACE="Courier,Courier New" SIZE=2><P ALIGN="RIGHT">0</FONT></TD>
</TR>
<TR><TD WIDTH="40%" VALIGN="TOP" HEIGHT=12>
<FONT FACE="Courier,Courier New" SIZE=2><P>Ending Net Charge Offs</FONT></TD>
<TD WIDTH="17%" VALIGN="TOP" HEIGHT=12>
<FONT FACE="Courier,Courier New" SIZE=2><P ALIGN="RIGHT">0</FONT></TD>
<TD WIDTH="15%" VALIGN="TOP" HEIGHT=12>
<FONT FACE="Courier,Courier New" SIZE=2><P ALIGN="RIGHT">0</FONT></TD>
<TD WIDTH="15%" VALIGN="TOP" HEIGHT=12>
<FONT FACE="Courier,Courier New" SIZE=2><P ALIGN="RIGHT">0</FONT></TD>
<TD WIDTH="12%" VALIGN="TOP" HEIGHT=12>
<FONT FACE="Courier,Courier New" SIZE=2><P ALIGN="RIGHT">0</FONT></TD>
</TR>
<TR><TD WIDTH="40%" VALIGN="TOP" HEIGHT=12><P></P></TD>
<TD WIDTH="17%" VALIGN="TOP" HEIGHT=12>
<FONT FACE="Courier,Courier New" SIZE=2><P ALIGN="RIGHT"> </FONT></TD>
<TD WIDTH="15%" VALIGN="TOP" HEIGHT=12>
<FONT FACE="Courier,Courier New" SIZE=2><P ALIGN="RIGHT"> </FONT></TD>
<TD WIDTH="15%" VALIGN="TOP" HEIGHT=12>
<FONT FACE="Courier,Courier New" SIZE=2><P ALIGN="RIGHT"> </FONT></TD>
<TD WIDTH="12%" VALIGN="TOP" HEIGHT=12>
<FONT FACE="Courier,Courier New" SIZE=2><P ALIGN="RIGHT"> </FONT></TD>
</TR>
<TR><TD WIDTH="40%" VALIGN="TOP" HEIGHT=12>
<FONT FACE="Courier,Courier New" SIZE=2><P>Interest/Yield Paid per $1000</FONT></TD>
<TD WIDTH="17%" VALIGN="TOP" HEIGHT=12>
<FONT FACE="Courier,Courier New" SIZE=2><P ALIGN="RIGHT">$0.1133870 </FONT></TD>
<TD WIDTH="15%" VALIGN="TOP" HEIGHT=12>
<FONT FACE="Courier,Courier New" SIZE=2><P ALIGN="RIGHT">$0.6825304 </FONT></TD>
<TD WIDTH="15%" VALIGN="TOP" HEIGHT=12>
<FONT FACE="Courier,Courier New" SIZE=2><P ALIGN="RIGHT">$0.4251977 </FONT></TD>
<TD WIDTH="12%" VALIGN="TOP" HEIGHT=12>
<FONT FACE="Courier,Courier New" SIZE=2><P ALIGN="RIGHT"> </FONT></TD>
</TR>
<TR><TD WIDTH="40%" VALIGN="TOP" HEIGHT=12>
<FONT FACE="Courier,Courier New" SIZE=2><P>Principal Paid per $1000</FONT></TD>
<TD WIDTH="17%" VALIGN="TOP" HEIGHT=12>
<FONT FACE="Courier,Courier New" SIZE=2><P ALIGN="RIGHT">$11.0129510 </FONT></TD>
<TD WIDTH="15%" VALIGN="TOP" HEIGHT=12>
<FONT FACE="Courier,Courier New" SIZE=2><P ALIGN="RIGHT">$0.0000000 </FONT></TD>
<TD WIDTH="15%" VALIGN="TOP" HEIGHT=12>
<FONT FACE="Courier,Courier New" SIZE=2><P ALIGN="RIGHT">$0.0000000 </FONT></TD>
<TD WIDTH="12%" VALIGN="TOP" HEIGHT=12>
<FONT FACE="Courier,Courier New" SIZE=2><P ALIGN="RIGHT"> </FONT></TD>
</TR>
</TABLE>

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{"company-data": {"conformed-name": "HOUSEHOLD CONSUMER LOAN TRUST 1996-1", "cik": "0001007119", "assigned-sic": "6189", "irs-number": "880367746", "state-of-incorporation": "DE", "fiscal-year-end": "1231"}, "filing-values": {"form-type": "8-K", "act": "34", "file-number": "000-21979", "film-number": "02710988"}, "business-address": {"street1": "2700 SANDERS ROAD", "city": "PROSPECT HEIGHTS", "state": "IL", "zip": "60070", "phone": "8475645000"}, "mail-address": {"street1": "2700 SANDERS ROAD", "city": "PROSPECT HEIGHTS", "state": "IL", "zip": "60070"}}
Household Consumer Loan Trust, 1996-1
Household Consumer Loan Trust, 1996-1
Series 1996-1  Owner Trust Calculations
Due Period Ending
Jun 30, 2002
Payment Date
Jul 15, 2002
Calculation of Interest Expense
Index (LIBOR)
1.840000%
Accrual end date, accrual beginning date and days in Interest Period
Jul 15, 2002
Jun 17, 2002
28
Class A
Class B
Certificates
Overcoll Amount
Beginning Unpaid Principal Balance
45,178,682
49,000,000
4,900,000
13,324,901
Previously unpaid interest/yield
0.00
0.00
0.00
Spread to index
0.22%
0.60%
1.00%
Rate (capped at 13%, 15%, 16%)
2.060000%
2.440000%
2.840000%
Interest/Yield  Payable on the Principal Balance
72,386
92,991
10,824
Interest on previously unpaid interest/yield
0
0
0
Interest/Yield Due
72,386
92,991
10,824
Interest/Yield Paid
72,386
92,991
10,824
Summary
Beginning Security Balance
45,178,682
49,000,000
4,900,000
13,324,901
Beginning Adjusted Balance
45,178,682
49,000,000
4,900,000
Principal Paid
7,030,668
0
0
24,901
Ending Security Balance
38,148,014
49,000,000
4,900,000
13,323,417
Ending Adjusted Balance
38,148,014
49,000,000
4,900,000
Ending Certificate Balance as % Participation Interest Invested Amount
0
Targeted Balance
54,793,144
46,494,463
1,182,463
Minimum Adjusted Balance
49,000,000
4,900,000
13,300,000
Certificate Minimum Balance
3,193,176
Ending OC Amount as Holdback Amount
13,323,417
Ending OC Amount as Accelerated Prin Pmts
0
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
$0.1133870
$0.6825304
$0.4251977
Principal Paid per $1000
$11.0129510
$0.0000000
$0.0000000