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Mark W. Callahan Appointed Chief Actuarial Officer of XL Capital's Insurance Operations

 — Hamilton, Bermuda - September 10, 2004: XL Capital Ltd (NYSE:XL) ("XL") today announced the appointment of Mr. Mark W. Callahan as Chief Actuarial Officer of XL's Insurance Operations.
Mr. Callahan, previously a senior underwriter for XL Financial Solutions, XL's alternative risk transfer group, will be based in Hartford and will report to Dick Miller, Chief Financial Officer of XL's Insurance Operations.
Prior to joining the XL Capital Group of companies in 1998, Mr. Callahan worked for Milliman in the US, establishing and managing its property/casualty office in Dallas and managing its Bermuda office. Mr. Callahan is a Fellow of the Casualty Actuarial Society and holds a BBA in Accounting from the University of Texas at Austin.
XL Capital Ltd, through its operating subsidiaries, is a leading provider of insurance and reinsurance coverages and financial products and services to industrial, commercial and professional service firms, insurance companies, and other enterprises on a worldwide basis. As of June 30, 2004, XL Capital Ltd had consolidated assets of approximately $45.5 billion and consolidated shareholders' equity of approximately $7.1 billion. More information about XL Capital Ltd is available at