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XL Capital Ltd To Announce Fourth Quarter Results On Tuesday, February 10, 2004

Hamilton, Bermuda - January 22, 2004 -- XL Capital Ltd (NYSE: XL) ("XL" or "the Company") intends to release its fourth quarter results after the close of regular stock market hours on Tuesday, February 10, 2004. The Company will hold its quarterly conference call for investors and analysts at 10:00 a.m. Eastern Time on Wednesday, February 11, 2004.
A live online webcast of this call will be available at www.xlgroup.com and will be archived on XL's website from approximately 1:00 p.m. Eastern Time on February 11, 2004 through midnight Eastern Time on March 11, 2004. A telephone replay of the conference call will be available beginning at 1:00 p.m. Eastern Time on February 11, until 8:00 p.m. Eastern Time on February 18, 2004 by dialing (201) 612-7415 (account number: 7716 and conference I.D. number: 91322).
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 September 30, 2003, XL Capital Ltd had consolidated assets of approximately $39.6 billion and consolidated shareholders' equity of approximately $7.4 billion. More information about XL Capital Ltd is available at www.xlgroup.com.

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