Nothing. By purchasing electricity from SCI REMC, you are automatically considered a member, and an owner, of the Cooperative. At the end of the year, margins are allocated to each member that purchased electricity that year proportionately based on their electric purchases. SCI REMC keeps a record of capital credits for each member for each year to be paid back at a later date. Annually the Board of Directors evaluates the financial position of the Cooperative and determines whether to pay back capital credits. Then the board determines what years, if any, will receive a capital credit refund that year.