You need TWRP, download this https://yadi.sk/d/GnKbk89vrToY3, and flash via TWRP, then it works. I would recommend doing a system backup just to be sure.
Yes as far as i know you need to unlock your bootloader to install custom recovery and that's going to wipe your system, I haven't tried anything on mine yet as it's only 24hours since i got my phone
You don't need to unlock the bootloader and not even to root your phone for installing a custom recovery.
Here's a topic about that: http://community.umidigi.com/thread-2962-1-1.html
Anyway if you install this patch, you'll get a hazard warning error message at every reboot since the modified SettingsUI.apk will fail at the start up CRC.