I guess it depends on how you look at it. I think technically the "dividend" is a refund on an overpayment. Which is kind of like them saying, "Hey, why don't you give us money as membership fee and and we'll give you a 10% discount. Then you're going to overpay on all your goods by 10%. And we're going to hold on to that money, interest-free for you for like a year or whatever, but eventually we'll give it back."