The Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (S.A.F.E. Act) mandates that residential mortgage loan specialists/originators register with the National Mortgage Licensing System (NMLS). All of our Mortgage Loan Specialists/Originators have met the requirements of the S.A.F.E. Act and are properly registered. The following is an NMLS identification list for Ulster Savings Bank and individual employees.