Nationwide Building Society operates in Retail and Non-Retail segment. Retail includes mortgages and saving, which includes the provision of residential mortgages; consumer finance, which includes credit card, unsecured personal lending and current accounts, and insurance and investments, which includes general insurance products, life assurance and unit trust products. These products were previously sold through its subsidiaries, Nationwide Life and Nationwide Unit Trust Managers. Following the sale of the subsidiaries to Legal & General on 31 January 2008, Nationwide has sold Legal & General insurance and investment products. Non-Retail includes commercial lending, which includes all costs and income associated with the its lending to the commercial property sector, including registered social landlords, and specialist mortgage lending, includes buy to let and self certified mortgages provided by subsidiaries (UCB Home Loans Corporation Ltd and The Mortgage Works (UK) plc).