Bank management would like for all of our existing customer base to move to electronic statements due to the rising cost of postage, etc. Currently for new accounts opened, customers have the following statement delivery options: (1) paper statement for a monthly fee of $1.50 or (2) free electronic statements. Does anyone have any ideas on how to do this without possibly having any UDAAP issues? I have considered for those customers who currently have online banking making it a condition for them to enroll for online statements and if they do not start charging them a $1.50 for the delivery of a paper statement. I have also considered changing our current free checking account product to an electronic account and providing customers with 60 days notice to either change to another account type or enroll for electronic statements. Any comments or suggestions would be greatly appreciated.