EXHIBIT 10.15
 LOAN PROCESSING AGREEMENT
  WITNESS:
    1.
    
    Loan Processing:OLB may submit loan applications it has originated to MMP loan
processing. MMP agrees to promptly and diligently process such loan applications in
compliance with all applicable laws and regulations. MMP will make every reasonable effort
to ensure that all loan applications are fully processed to the extent that OLBs chosen
lenders requirements are satisfied.2.
    
    Loan Processing Fees: The OLB understands, and agrees to, the fact that the
most mutually desirable method of payment of all fees due MMP, accrued pursuant to the
terms of this agreement, is by direct payment by the designated closing agent involved in
each transaction. By signing this agreement, OLB pledges its complete support for this
stated method of payment of fees due MMP, and further pledges to include MMPs fee on the
Fee Sheet, in all cases possible. OLB, MMP further pledges that in cases payment of
third party processing fees are restricted it will make said fees readily available to MMP.
By signing this agreement, OLB and MMP acknowledge and agree that the processing fee owed
MMP hereunder shall be $[ * ] per loan.3.
    
    MMP shall operate on an exclusive basis and under the supervision of OLB, a service to
potential borrowers which offers to provide the ability to qualify for various mortgage
products including, but not limited to, first mortgage loans, refinance loans, home equity
loans, lines of credit, or other secured loans which may be provided from time to time by
or its participating loan Investors. All loans are subject to the quality control
standards established by OLB and applicable State and Federal laws. All loans shall be
registered with OLB through Internet based software.4.
    
    Quality Control: OLB maintains a quality control program for Originators,
including maintaining at a central location a Loan Quality Library of all loans. MMP
will assist in the quality control policy and procedures of all loans for OLB and such
amendments thereto that are made from time to time.5.
    
    Compensation: All compensation, fees, rebates, or the like, shall be in
accordance with the terms and conditions of the Compensation Schedule attached hereto.6.
    
    Due Diligence: MMP agrees to devote all necessary time, attention, and due
diligence for the purpose of enhancing production of Real Estate loans, in order to process
quality loans. Associate will assist Clients, Loan Officers, Underwriters, Funders, and
others at OLBs correspondents, in whatever ways needed, in order to insure that the loans
processed by MMP become processed, closed and funded in a timely manner. MMP agrees to use
due diligence and all best efforts to insure that all information and documents presented
to OLB and clients of OLB complete, accurate and true to the best of Associates knowledge.7.
    
    Compliance with Law: MMP agrees not to engage in any acts for which the OLBs
regulating agencies are authorized to revoke or suspend a licensee. MMP has full knowledge
and will strictly abide by the
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current policies, rules, and regulations of H.U.D, F.H.A.,
V.A., Fannie Mae, Freddie Mac, Ginnie Mae, and other local, State, or Federal Regulatory
agencies which may have jurisdiction over OLB, or the duties preformed by MMP.
 8.
    
    MMP is responsible for the supervision and control of its employees, and will report to
OLB any illegal acts and/or unethical conduct by the employees. MMP will follow the OLB
requirements of all Agencies that supervise all transactions submitted on OLBs behalf.
All of MMPs employees must be aware of the rules and regulations of all governing
agencies.9.
    
    OLBs OBLIGATION\S:
 (a)
    
    If applicable, facilitate and support the
generation of accurate, real-time rate information, as well as specific
information about all costs (e.g., closing costs, processing Fees) that
Borrower may be asked to pay in connection with a particular loan
product.(b)
    
    Support the download of loan data, product, and
Borrowers information from OLBs and any correspondents from time to
time.(c)
    
    Cooperate with MMP in establishing procedures to
allow effective communication between the Borrower, the sites and MMP.
OLB shall provide and maintain Email accounts and Internet access for
each of its employees, agents, contractors, and/or any other person who
works with qualification forms and/or Borrowers on behalf of OLB
correspondents.(d)
    
    Promptly review for accuracy and completeness, all
information, site screens, processing and analytical mechanisms submitted
to it for review OLB as they relate to loan products and services a
report any necessary modifications to OLB.(e)
    
    Comply with all legal and regulatory requirements
applicable to Associates offering of the loan products on the sites and
dealing with Borrowers, including, without limitation, federal laws and
regulations, such as Truth-in-Lending Act, the Fair Credit Reporting Act,
the privacy provisions of the Gramm-Leach-Bliley Act and all applicable
state laws and regulations.
 10.
    
    Administrative Services Agreement. This Agreement is delivered in connection
with the delivery of a certain Administrative Certain Agreement of even date herewith by
and between Bank and JMC MARKETING LLC, an Ohio limited liability company, which entity has
common ownership with MMP. The parties hereto acknowledge and agree that this Agreement
shall terminate contemporaneously with the termination of the Administrative Services
Agreement regardless of cause. In the event there is a conflict between this Agreement and
the Administrative Services Agreement, the terms of the Administrative Services Agreement
shall control.
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OHIO LEGACY BANK, N.A.By:
    /s/ D. Michael KramerD. Michael Kramer, President andChief Executive OfficerMidwest Mortgage Processing, LLCBy:
    /s/ James A. HinkleJames A. Hinkle, President andChief Executive Officer 25