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nsaid vs hydrocodone Points may be earned when members transact with any of the Co-op Group’s businesses, including Co-operative Food, Travel, Pharmacy, Funeralcare, its legal and its online electrical businesses as well as the Co-operative Bank, the Co-operative Insurance and Britannia. Points are allocated to members twice a year but their value or lack of value is determined by the overall profit of the group. However, this time round there has been no interim share of the profits among members.