A communications terminal is provided. The terminal has a SIM card reader that allows a user to easily identify the owner of a SIM card. Owner identification data may be stored on the SIM card, and when power is first applied to the communications terminal, the owner identification data may be read from the SIM card and played by the communications terminal, including reading an image from the SIM card and displaying the image on a display screen of the communications terminal, and/or reading audio data from the SIM card and playing the audio data over a speaker of the communications terminal. Owner identifying data may be attached to a SIM card. When inserted into a receiving slot of a communications terminal, the identifying data may be viewed through a transparent window adjacent the SIM card receiving slot, either in the terminal itself, or in a SIM card holder attached to the SIM card and inserted into a slot.