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STAMFORD, CT. September 25, 2003 - XL America, Inc., a subsidiary of XL Capital Group Ltd (NYSE:XL) ("XL"), today announced that David B. Duclos has joined its U.S. insurance operations to lead its specialty program business known as XL Programs.Mr. Duclos will be based in Exton, Pennsylvania and will report to Richard Banas, CEO of XL's environmental, programs, and surety businesses. Mr. Duclos joins XL with 24 years experience in the insurance industry, primarily at CIGNA Corporation, including several years of experience leading one of the industry's largest and most successful specialty program operations, and more recently at Kemper Insurance Company.XL's chief executive of insurance operations, Nicholas M. Brown, Jr., said, "Dave Duclos is a strong insurance leader and has extensive experience with program operations. We are fortunate that someone with Dave's experience has joined our organization, and we are confident that Dave will make a substantial contribution to our program business and to XL."Commenting on the decision to join XL, Duclos added, "XL is an impressive company with substantial financial strength and a reputation for skilled underwriting. I am delighted to be a part of such a highly regarded insurance operation and look forward to working with the team at XL Programs".XL America, Inc. is the holding company for all of the U.S. operations of XL Capital Ltd. XL Capital Ltd, through its operating subsidiaries, is a leading provider of insurance and reinsurance coverages and financial products to industrial, commercial and professional service firms, insurance companies and other enterprises on a worldwide basis. As of June 30, 2003, XL Capital Ltd had consolidated assets of approximately $39.2 billion and consolidated shareholders' equity of approximately $7.6 billion. More information about XL Capital Ltd is available at press release may contain forward-looking statements. Such statements are based on current plans, estimates and expectations. Accordingly, forward-looking statements involve inherent risks and uncertainties, and a number of important factors could cause actual results to differ materially from those contained in any forward-looking statement. A non-exclusive list of the important factors that could cause actual results to differ materially from those in such forward- looking statements is set forth in XL's most recent reports on Form 10-K, Form 10-Q and XL's other documents on file with the Securities and Exchange Commission. XL undertakes no duty to publicly update or revise any forward- looking statements contained herein in light of new information, future developments or otherwise.