X0202 4 2005-02-18 0 0000875159 XL CAPITAL LTD XL 0001182863 KEELING HENRY CHARLES VAUGHAN C/O XL RE LTD, XL HOUSE LONDON EC3V 0XL 0 1 0 0 Executive Vice President Class A Common Shares 2005-02-18 4 S 0 3750.00 76.3555 D 73112.00 I The Henry Keeling Vol. Sett. The sales reported in this form 4 were effected pursuant to a Rule 10b5-1 trading plan adopted by the reporting person on August 6, 2004. Henry Keeling 2005-02-18