Tolling Agreement

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                                                                  EXHIBIT 10.45

                   WESTERN RESERVE LIFE ASSURANCE CO. OF OHIO

                                December 30, 2004

Global Preferred Holdings, Inc.

6455 East Johns Creek Crossing

Suite 402

Duluth, GA 30097

Attention: Ed McKernan

         Re:       Extension and Tolling Agreement between Western Reserve Life

                  Assurance Co. of Ohio ("WRL") and Global Preferred Holdings,

                  Inc. ("GPHI") dated December 15, 2003 (the "Tolling

                  Agreement") and Agreement and Plan of Reorganization by and

                  among AEGON, N.V., GPRe Acquisition Corp. and GPHI dated of

                  even date herewith (the "Reorganization Agreement")

Dear Sirs:

         This letter will evidence the agreement of the undersigned that notice

of termination of the above-r