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USIM is the SIM card for 3G networks (U stands for UMTS). It operates under a different voltage level, as compared to the normal SIM card.
Many operators (like mine here) don't make a distintion, related to their service, between them, i.e. I can access the 3G network with my old SIM card. As far as I know, USIM cards shouldn't be put in non-3G phones. On the other hand, 3G enabled phones are able to handle both types.
Just my 2 cents...
Carlos
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