Notice of Internet Availability of Proxy Materials for 2010 Annual General Meeting of
Holders of Class A Ordinary Shares of XL Capital Ltd
Important Notice Regarding the Availability of Proxy Materials for the Shareholder Meeting to Be Held on April 30, 2010.
1. This communication presents only an overview of the more complete proxy materials that are available to you on the Internet. We encourage you to access and review all of the important information contained in the proxy materials before voting.
2. The proxy statement and the annual report to security holders are available athttps://www.eproxyaccess.com/xlcapital2010.
3. If you want to receive a paper or email copy of these documents, you must request one. There is no charge to you for requesting a copy. Please make your request for a copy as instructed below on or before April 16, 2010 to facilitate timely delivery.
Dear Class A Ordinary Shareholder:
Under new Securities and Exchange Commission (SEC) rules, you are receiving this notice that proxy materials for the XL Capital Ltd (the “Company”) 2010 Annual General Meeting of holders of Class A Ordinary Shares (the “Shareholders”) are available on the Internet, including the Annual Report on Form 10-K for the fiscal year ended December 31, 2009, which includes annual financial statements, the Proxy Statement and the form of proxy. Please follow the instructions below to view the proxy materials, vote online and/or request paper copies of the materials. The items to be voted on and location of the annual general meeting are on the reverse side of this form. Your vote is important regardless of the number of shares you own.
THE ANNUAL REPORT, THE PROXY STATEMENT AND THE FORM OF PROXY ARE AVAILABLE AT:
https://www.eproxyaccess.com/xlcapital2010
Easy Online Access –– A Convenient Way to View Proxy Materials and Vote
Step 1: Go tohttps://www.eproxyaccess.com/xlcapital2010 and enter your control number.
Step 2: View the proxy materials.
Step 3: Click on “Vote Your Shares”.
Step 4: Make your selection as instructed on each screen to vote.
TO ORDER A PAPER OR E-MAIL COPY OF THE PROXY MATERIALS:
Please Note: You must use the control number in the box on the reverse side when requesting a set of proxy materials.
Internet: Go tohttps://www.eproxyaccess.com/xlcapital2010. Enter your control number. Click on “Request a paper or email copy of the proxy materials.” Follow instructions to log in and order a paper or email copy of the current meeting materials or all future meeting materials.
Telephone: Call us free of charge at 1-866-214-3731 using a touch-tone phone and follow the instructions to log in and order a paper copy of the materials for the current meeting. You can also submit a preference to receive a paper copy for all future meetings.
Email: Send an email toxlcapital@eproxyaccess.com with your control number in the subject line, and state your preference to receive a paper or email copy for just the current meeting or all future meetings.
To facilitate timely delivery, all requests for a paper copy of the proxy materials must be received by April 16, 2010.
CONTROL NUMBER

| The Annual General Meeting of | | Date: | | April 30, 2010 | |
|
| XL CAPITAL LTD | | Time: | | 8:30 a.m local time | |
| | | Location: | | Principal Executive Offices of | |
| | | | | the Company: | |
| | | | | XL House | |
| | | | | One Bermudiana Road | |
| The Company ticker symbol is: XL | | | | Hamilton HM 08, Bermuda | |
XL Capital Ltd
Notice of Annual General Meeting to be held on April 30, 2010
The Annual General Meeting of Shareholders will be held at the Principal Executive Offices of the Company at XL House, One Bermudiana Road, Hamilton HM 08, Bermuda on April 30, 2010 at 8:30 a.m. local time. The proposals to be voted on at the meeting are listed below along with the recommendations of the Board of Directors.
The Board Directors recommends that you vote “FOR” the following proposals:
| • | Election of three Class III Directors to hold office until 2013. |
| | |
| | Nominees: Joseph Mauriello, Eugene M. McQuade, Clayton S. Rose |
| | |
| • | To ratify the appointment of PricewaterhouseCoopers LLP, New York, New York, to act as the independent registered public accounting firm for the Company for the year ending December 31, 2010. |
Only the holders of record of XL Capital Ltd Class A Ordinary Shares on March 5, 2010 are entitled to notice of and to vote at the meeting. If you were a shareholder as of the record date, you may attend the Annual General Meeting and vote in person. Shareholders may contact Georgeson at 800-509-1046 to obtain directions to the Annual General meeting.
PLEASE NOTE: THIS FORM IS NOT A PROXY CARD. To vote your shares, you must vote online, by telephone OR request paper copies of the proxy materials to receive a proxy card. If you wish to vote in person at the meeting, you must bring this notice along with personal identification to the meeting.