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Kirchberg} [Invent. Math. 112, No. 3, 449-489 (1993; Zbl 0803.46071)], if for every \\(C^\\ast\\)-algebra \\(\\mathcal B\\) and each closed ideal \\(\\mathcal I\\) of \\(\\mathcal B\\) the sequence \\(0\\to {\\mathcal A}\\underset{\\text{min}}\\otimes {\\mathcal I}  {\\mathcal A}\\underset{\\text{min}}\\otimes {\\mathcal B} {\\mathcal A}\\underset{\\text{min}}\\otimes {\\mathcal B}/{\\mathcal I}  0\\) is exact. For example, every nuclear \\(C^\\ast\\)-algebra is exact, while the full \\(C^\\ast\\)-algebra of a noncommutative free group is not. Let now \\(\\mathcal H\\) and \\(\\mathcal K\\) be Hilbert spaces and let \\(a_1,\\cdots,a_r\\) be elements of \\({\\mathcal B}({\\mathcal H},{\\mathcal K})\\) such that the products \\(a_i^\\ast a_j\\) are contained in some exact \\(C^\\ast\\)-subalgebra \\(\\mathcal A\\) of \\({\\mathcal B}({\\mathcal H})\\). Let \\((\\Omega, {\\mathcal F}, {\\mathcal P})\\) be a probability space, and let for every natural \\(n\\), \\(Y_1^{(n)},\\cdots, Y_r^{(n)}\\) be random \\(n\\times n\\)-matrices on \\(\\Omega\\) such that the real and complex parts of all their entries form independent Gaussian variables (that is, \\(2rn^2\\) of them altogether) with mean \\(0\\) and variance \\(\\frac 1 {2n}\\).   The main result of the paper gives asymptotic (as \\(n\\to\\infty\\)) lower and upper bounds on the spectra of the operators \\(S^\\ast_n(\\omega) S_n(\\omega)\\) and \\(S_n(\\omega)S^\\ast_n(\\omega)\\), where \\(S_n=\\sum_{i=1}^r a_i\\otimes Y^{(n)}_i\\); these bounds are valid for almost all \\(\\omega\\in\\Omega\\), and it is noted that the subsequent paper by the second named author [``Mixed moments of Voiculescu's Gaussian random matrices'', preprint, Odense University (1999)] establishes the (asymptotic) tightness of the bounds. The bounds are no longer valid if the \\(C^\\ast\\)-subalgebra generated by \\(a_i^\\ast a_j\\) is not exact, as an example shows. As an application of the bounds derived, new proofs are given to the following two results:    (1) every stably finite exact unital \\(C^\\ast\\)-algebra has a tracial state;    (2) if \\(\\mathcal A\\) is an exact unital \\(C^\\ast\\)-algebra, then every state \\(\\psi\\) on \\(K_0({\\mathcal A})\\) is given by a tracial state \\(\\tau\\) on \\(\\mathcal A\\) in the sense that \\(\\psi([p])=(\\tau\\otimes \\text{Tr}_m)(p)\\) for all \\(m\\in{\\mathbb N}\\) and all projections \\(p\\) in \\(M_m({\\mathcal 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