Heritage Capital Credit Corporation Posts Its Six Month Disclosure Statement.

WILMINGTON, Del. -- Heritage Capital Credit Corporation (OTC:HCPC) is pleased to announce the availability of data for the first six months of 2004. The statement includes the following detailed information.

Heritage Capital Credit Corporation (also known as "Heritage-Delaware") was incorporated in the state of Delaware in 1994. It later merged with Automax Group, Inc., which was originally incorporated on August 22, 1989, in the state of Florida, as Executive Telecard Corp. of Florida. Its name was changed on January 13, 1997 to Xelex Corp.; and, effective February 16, 2001, was changed to Automax Group, Inc. Automax sold 100% interest in all of its subsidiary companies in September 2003. On April 1, 2004, Automax merged with Heritage-Delaware, changed its name to Heritage Capital Credit Corporation ("HCCC"), and its stock symbol to HCPC. Further, on April 1, 2004, HCCC acquired all of the stock in Heritage-Delaware. The stock in both HCCC and Heritage-Delaware is held in Escrow as collateral until certain events occur. If these events do not occur the stock of both companies in Escrow will be returned to the original owners. Heritage-Delaware has one Division, Heritage Financial Service Center.

Heritage-Delaware's Disclosure Statement has been prepared in accordance with the requirement of Rule 15c2-11 of the Securities and Exchange Act of 1934, as amended. The financial statements are for the six months ending June 30th, 2004, and for fiscal years ending December 31, 2003, and December 31, 2002. Heritage-Delaware is the Company's only asset. Heritage-Delaware had revenues of $163,000.00, $43,349.67, and $5,611 for the period of January 1 to June 30, 2004 and fiscal years ending December 31, 2003 and December 31, 2002 respectively. Heritage-Delaware had net income of $7,648.61, (-$83,669.32), and (-$31,282) for January 1 to June 30, 2004, and for the years ending December 31, 2003, and December 31, 2002, respectively.

The Company's primary goal is to provide consumer and business loans to persons and businesses that qualify under their unique underwriting formula, which is licensed from a company controlled by the same shareholders of Heritage.

This press release may contain forward-looking statements within the meaning of federal securities laws that involve significant risk and uncertainties. The words "estimate," "possible," "seeking," and similar expressions identify forward-looking statements, which speak only as to the date the statement was made. The Company undertakes no obligation to publicly update or revise any forward-looking statements, whether because of new information, future events, or otherwise. Forward-looking statements are inherently subject to risk and uncertainties, some of which cannot be predicated or quantified. Future events and actual results could differ materially from those set forth in, contemplated by, or underlying the forward-looking statements. The risks and uncertainties to which forward-looking statements are subject include, but are not limited to, the effect of government regulation, competition and other material risk.