3. Finance is issued by Latitude Financial and is available to approved customers only. Equal monthly payment amount excludes Latitude Gem Visa $99 annual fee. Monthly payments required, exact payment amount varies and is specified on your statement. ^Total price includes $99 annual fee on Latitude Gem Visa, charged after your first purchase and each anniversary date. The plan is payable by 36 approximate equal monthly instalments (exact amounts specified in your statement). At the end of the plan, interest will be charged at 24.99% p.a. A $99 annual fee applies for Latitude Gem Visa. This notice is given under the Latitude Gem Visa Conditions of Use (as applicable), which specify all other conditions for this offer. Also available to CreditLine, Latitude GO Mastercard and Buyer's Edge customers. Other conditions, fees and charges apply, see product websites for details. Credit is provided by Latitude Finance Australia (ABN 42 008 583 588), Australian Credit License number 392145. Click here for further details.

4. Price quoted is based on trading in a Samsung Galaxy Note10+ 512GB in full working condition until date 29 April 2021. The trade in amount is deducted from the cost of the Galaxy Note20, or Note20 Ultra 5G. An extra $200 will be deducted, in addition to the standard trade in amount for the relevant device as quoted (samsung.com/au/tradeup). The maximum trade in amount eligible recipients may receive is up to $515 (which includes the additional $200). Visit a participating Samsung retail store (Sydney and Maribyrnong only) or the Samsung Online Store (samsung.com/au/tradeup) for further details, T&Cs and a list of eligible devices. This program is only available while stocks last and is subject to limited availability. Redemption of the program will be on a first come, first served basis. Eligible devices and pricing are subject to change. The Samsung Trade-Up Program is operated by Asurion

* User memory is less than the total memory due to storage of the operating system and software used to operate the device features. Actual user memory will vary depending on the operator and may change after software upgrades are performed.

* Key feature may different from key spec.

* Network : The bandwidths supported by the device may vary depending on the region or service provider.

* Battery: Actual battery life varies by network environment, features and apps used, frequency of calls and messages, number of times charged, and many other factors.

* Image at the top of page of Galaxy Note20 Ultra 5G laying facedown simulated for illustration purposes.

* Image at the top of page of Galaxy Z Fold2 unfolded and seen from the front with the butterfly graphic wallpaper onscreen simulated for illustration purposes.

* Image of eleven Galaxy S20 FE 5G phones standing upright in a circle simulated for illustration purposes.