Samsung is not well appreciated when it comes to software updates. The update is said to be available by end of 2014 but it is not clear whether it will be rolled out to S5 owners worldwide. So expect the update to be released in the first two months of 2015.
If you are locked to any carrier, then it's bad luck! If you are on AT&T or Verizon or any other carrier, there is no roadmap of updated to those devices. Samsung is rolling out these to unlocked devices (I assume).
Be sure to check out as we will be updating more about 'flagship updates'.
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