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CarMax Relies on CMSI's CreditConnection(R) Service

13 September 1999

CarMax Relies on CMSI's CreditConnection(R) Service To Manage its Automotive Financing

          Rapid, Online Credit Approvals Give the Fast Growing Auto
                    Superstore(R) a Competitive Advantage

    ANNAPOLIS JUNCTION, Md., Sept. 13 -- Credit Management
Solutions Inc. (CMSI) .  CarMax, one of the fastest growing
retailers in the United States, relies on CMSI's CreditConnection service for
automotive financing throughout its nationwide chain of auto superstores.
    CreditConnection, a patented electronic service with a network of lenders
nationwide and throughout Canada, is integrated with CarMax's touch-screen
AutoMation(R) system. The revolutionary AutoMation system enables a CarMax
customer to browse through an entire store's inventory, generate a list of
cars and trucks that best meets his or her needs, and -- thanks to
CreditConnection -- get financing decisions in minutes instead of hours.
    "CreditConnection gives us a tremendous competitive advantage," said Keith
Browning, CarMax's Chief Financial Officer.  "We receive online credit
approvals while the customer is sitting there, even on evenings and weekends
when banks are closed.  That's something most of our competitors just can't
do."
    CreditConnection efficiently manages the significant number of
transactions generated by CarMax, which has had over 185,000 customers and now
sells over $1billion worth of cars each year. "CreditConnection is able to
handle our high application volume with no degradation in response time or
service, even on our heaviest days," said Mike Dolan, CarMax's Chief
Information Officer. "We've had no lags or performance problems."
    "The system has also provided us with a reliable, value-added network,"
Dolan added. "We currently connect to five different lenders through
CreditConnection and it's easy to make changes and add new lenders. Accessing
multiple lenders makes it possible for us to serve the broadest base of
customers most efficiently."
    In addition, CreditConnection provides strategic information to help
optimize lending relationships. "We get transaction statistics and other data
that enables us to better understand our business and improve management of
the financing process," said Dolan.
     "CarMax is on the forefront of automotive retailing. As their partner,
we're pleased to have played an important role in their impressive growth
during the last three years," said Peter Leger, President and CEO of CMSI.

    About CarMax
    CarMax, a Circuit City Company, began development of the used-car
superstore concept in 1991 and has been revolutionizing the way consumers
think about automobile purchases since opening its first store in Richmond,
Va., in 1993. With the addition of the Los Angeles franchises, CarMax will
operate 33 locations, including 29 used-car superstores and 19 new-car
franchises. Circuit City Stores, Inc. is a leading national retailer of
consumer electronics, major appliances, personal computers and entertainment
software. Additional CarMax information is available at http://www.carmax.com (SM).
Additional Circuit City information is available at http://www.circuitcity.com (SM).

    About CMSI
    Since it was founded in 1987, CMSI's credit automation and loan marketing
technology services and software have been the choice of the world's largest
and most demanding lending institutions. Building on its leadership, the
company is rapidly becoming a premier provider of Internet-based online
lending and leasing technology. CMSI licenses credit decisioning and other
automated systems and services for consumer and business credit. CMSI also
offers a portfolio of products through service bureau alliances that are
provided by its alliance partners on a per-transaction fee basis. The
company's e-commerce and Internet commerce products and services are built
around its CreditOnline(R) Internet gateway and patented CreditConnection
technology (http://www.creditconnection.com), which links credit originators, such as
automobile dealers, with an extensive network of leading prime and non-prime
lenders.
    Press releases and other CMSI information can be found on our website:
http://www.cmsinc.com.
    This press release contains forward-looking statements. All forward-
looking statements involve risks and uncertainties, including, without
limitation, the risks detailed in CMSI's filings and reports with the
Securities and Exchange Commission. Such statements are only predictions and
actual events or results may differ materially.