**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. |
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|   | 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 $500.00 per                loan. |
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|  | 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. |
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|  | 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. |
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|  | 5. | **Compensation:**                    All compensation, fees, rebates, or the like, shall be in                    accordance with the terms and conditions of the “Compensation Schedule”                    attached hereto. |
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|  | 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. |
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**EXHIBIT      10.15 (continued)**

**Compliance      with Law:**

|  | 7. | 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. |
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|   | 8. | **OLB’s                OBLIGATION’S:** |
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|   | (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. |
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|   | (b) | Support                the download of loan data, product, and Borrowers information from                OLB’s                and any correspondents from time to                time. |
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|   | (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. |
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|   | (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. |
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|   | (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. |
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|   | 9. | **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                Kramer |  |   |
|   | D.                Michael Kramer, President and |                               |
|   | Chief                Executive Officer          |                               |

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**EXHIBIT      10.15 (continued)**

|   | Midwest                Mortgage Processing, LLC |                               |
|--------|-------------------------------------------------|------------------------------------|
|   |                                            |                               |
|   |                                            |                               |
|   | By:                                             | /s/James.                A. Hinkle |  |   |
|   | James                A. Hinkle, President and   |                               |
|   | Chief                Executive Officer          |                               |

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