Merry Christmas and a Happy New Year!

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Suter Willi

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Dec 22, 2005, 9:14:06 AM12/22/05

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Dear colleagues,

I would like to wish you Merry Christmas and a Happy and Prosperous New Year
with lots of success!

I hope that I will be seeing many of you in the year to come!

All the best and best regards,

Willi Suter

XL Capital Ltd.
Mythenquai 10, P.O. Box 3032, CH-8022 Zürich, Switzerland
Phone +41 43 555 49 50, Fax +41 43 555 44 43
mailto: willi...@xlgroup.com
www.xlinsurance.com <www.xlinsurance.com>

XL Insurance, a member of the XL Capital group

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Walter Baechli

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Dec 22, 2005, 9:26:38 AM12/22/05

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Sawadi pi mai krab, lieber Willi. Jawohl: Es guez Neuis.

Vor allem jedoch herzlichen Dank fuer Deine grossartige Freundschaft

Bis bald von Luzern aus

Suter Willi <willi...@xlgroup.com> wrote:

Dear colleagues,

I would like to wish you Merry Christmas and a Happy and Prosperous New Year
with lots of success!

I hope that I will be seeing many of you in the year to come!

All the best and best regards,

Willi Suter

XL Capital Ltd.
Mythenquai 10, P.O. Box 3032, CH-8022 Zürich, Switzerland
Phone +41 43 555 49 50, Fax +41 43 555 44 43
mailto: willi...@xlgroup.com
www.xlinsurance.com

XL Insurance, a member of the XL Capital group

**********************************************************************
CONFIDENTIALITY: This communication, including attachments, is for the exclusive use of the
addressee(s) and may contain proprietary, confidential or privileged information. If you are not the intended
recipient, any use, copying, disclosure, or distribution or the taking of any action in reliance upon this
information is strictly prohibited. If you are not the intended recipient, please notify the sender
immediately and delete this communication and destroy all copies.
**********************************************************************