* 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.

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

* User Available Memory : 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.

*Approved applicants only. Figures indicated include a $55 new customer advance fee however, if you are an existing Q Card or Q Mastercard holder who has used a Long-Term Finance plan before your indicative payments will be less as there is only a $35 advance fee. Fees, terms, conditions & minimum finance amount applies - $50 annual Account Fee is in addition to indicative payments (a fee of $25 applied to your Account on opening and every 6 months thereafter). Annual Account Fee must be paid in full within 55 days or it will attract interest. Minimum monthly repayment required. Interest at the Standard Interest Rate is payable on outstanding balances after the expiry of any Start-up Interest Period. The indicative repayments are only an estimate and figures should be used as an indication only. They do not represent either a quote or pre-qualification or approval. To take advantage of the Start-up Interest Free Period, the indicative monthly repayments stated would need to be made by the due date for each statement period. Therefore, you repay the purchase amount on your Q Mastercard or Q Card (as applicable) in full within the Start-up Interest Period. In this instance, the indicative monthly repayment is the finance amount divided by the Start-up Interest Period. The indicative repayments assume there are no additional purchases, cash withdrawals, fees or charges are incurred. If there is a Payment holiday in addition to the Start-up Interest Period, you will be required to make the minimum monthly payments upon expiry of such Payment Holiday.

**12/24/36/48/60 Months Interest Free - Available on Long Term Finance (LTF) for online only. Min Spend $200/$800/$1,000 (for 36 or 48 months) /1,200 (60 months) respectively. Lending criteria, $50 annual Account Fee, fees, T&Cs apply. $55 Establishment Fee applies to your first LTF transaction, $35 Advance Fee applies to subsequent LTF transactions. Min payments of 3% of the monthly closing balance or $10 (whichever is greater) are required throughout interest free period. Paying only the minimum monthly payments will not fully repay the loan before the end of the interest free period. Standard Interest Rate of 28.95% p.a. applies to outstanding balance at the end of LTF Interest Free Period. Other interest rates and fees may apply, please visit www.qcard.co.nz↗ for further details. Rates and fees subject to change. Columbus Financial Services Limited and Consumer Finance Limited reserve the right to amend, suspend or terminate the offer and these T&Cs at any time without notice.

*Display Size: Measured diagonally, Galaxy Note20 5G's screen size is 6.7" in the full rectangle and 6.6" with accounting for the rounded corners and Galaxy Note20 Ultra 5G's screen size is 6.9" in the full rectangle and 6.8" with accounting for the rounded corners; actual viewable area is less due to the rounded corners and camera hole.

*Battery Capacity (Typical) : Typical value tested under third-party laboratory condition. Typical value is the estimated average value considering the deviation in battery capacity among the battery samples tested under IEC 61960 standard. Rated (minimum) capacity is 4170mAh for Galaxy Note20 and 4370mAh for Galaxy Note20 Ultra. Actual battery life may vary depending on network environment, usage patterns and other factors.

*UWB: Availability of UWB function may vary by regions and/or by applicable law.