Hi,
I DID IT! THANKS. I am now on Lollipop 5.0.
I have always suspected that my Note 3 has failed to receive numerous updates over the last few months, based on my wife's Note 3 experience. So, as per your suggestion, I googled the instruction, backup my data and changed the CSC. All data were erased.
The next 2 hours, it continued to receive quite a lot of updates (I don't know what they were). I just let it run, until the last update was Lollipop 5.0. I reverted the CSC back to the original one.
Everything is running smoothly and error-free so far.
Bob