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This article examines Heartland Bank, a bank that "bills itself as a paragon of Midwestern values" and a bank that also "jumped headfirst into Internet pornography." ..."adult Internet business was the secret to HPS's growth. But that growth came at a price to thousands of innocent credit-card holders. The Federal Trade Commission says HPS did business with pornographers who ripped off consumers by charging credit-card accounts without permission."

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