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Susan L. Cross Appointed As Chief Actuarial Officer For XL Capital's Non-Life Reinsurance Operations

 — Hamilton, Bermuda - August 6, 2004: XL Capital Ltd (NYSE:XL) ("XL") today announced the appointment of Susan L. Cross as Chief Actuarial Officer - Non- Life Reinsurance - for XL's Reinsurance Operations.
Ms. Cross, who is also Chief Actuary for XL Re Ltd, will continue to be based out of Bermuda and will report to Mr. Henry C.V. Keeling, XL's Chief Executive of Reinsurance Operations.
Mr. Keeling commented: "This role is an important development for XL's reinsurance segment as it will be the first time there is a global focus on the Non-Life Actuarial function. Susan will also assume responsibility for Strategic Planning and oversight of the Ceded Reinsurance function for the segment. Her strong technical background, detailed knowledge of the reinsurance segment and management team will be a most valuable asset to the business."
Ms. Cross said: "We have tremendous actuarial talent in the reinsurance segment and I look forward to working closely with my colleagues throughout the group to efficiently and effectively leverage those capabilities."
Prior to joining the XL Capital Group of companies in 1999, Susan worked for the Wyatt Company from 1981 until 1984 and then for the Tillinghast business of Towers Perrin where she held increasingly responsible positions from 1984 to 1998, and became Principal of the firm in 1992. While at Tillinghast, Susan led the Asbestos Practice area, authored papers and spoke on the topics of Reinsurance and Asbestos, Environmental and Other Mass Tort Liabilities. Susan is a Fellow of the Casualty Actuarial Society, an Associate of the Society of Actuaries and a Member of the American Academy of Actuaries. She holds a BSc in Mathematics from the University of Maryland.
XL Re is the global brand used for XL Capital Ltd's reinsurance operations. The XL Re companies have more than 500 employees in 14 countries. More information about the XL Re companies is available at www.xlre.com.
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 $7.4 billion. More information about XL Capital Ltd is available at www.xlgroup.com.

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