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HAMILTON, BERMUDA - April 30, 2004 -- XL Capital Ltd ("XL" or "the Company") (NYSE: XL) announced that its Board of Directors declared a quarterly dividend on April 30, 2004 of $0.49 per ordinary share payable on the Company's Ordinary Shares. The dividend will be payable on June 30, 2004 to ordinary shareholders of record on June 7, 2004.The Board of Directors also resolved on April 30, 2004 to pay a dividend of $4,600,000.00 on June 30, 2004 to all Series A Preference Ordinary Shareholders of record as of June 29, 2004 being $0.50 per share.The Board of Directors further resolved on April 30, 2004 to pay a dividend of $5,480,468.75 on June 30, 2004 to all Series B Preference Ordinary Shareholders of record as of June 29, 2004, being $0.4765625 per share.XL Capital Ltd, through its 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