I can also access SIM applications on my unlocked iPhone. SIM apps are services your telecom provider adds to give you access to different types of information which you tend to receive by SMS. Of course the more services you use, the more SMSes you send and the more money they earn. Something like that...Interesting. I have 1.1.1 as well, it only has Setting>phone>SIM pin. What's in the SIM applications menu?