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XL CAPITAL LTD XL House One Bermudiana Road P.O. Box HM2245 Hamilton HM 11 Bermuda Tel: (441) 295-7135 Fax: (441) 292-8618 August 9, 2006 www.xlcapital.com CONFIDENTIAL Christopher Greetham 4 Tuckers Town Road St. Georges HS02 Bermuda Dear Chris: This...