I must not have made my self clear the metal clip that goes over the SIM card has melted posts that hold the clip there. To you they look like little black dots around it they are actually melted posts and act like a rivet. I see now how to get the SIM card out but since I am not re booting I will leave mine in? I was under the impression contacts get stored on the SIM card? 
I'm happy we got that cleared up. As for SIM cards, only other carriers which is GSM, (AT&T) have their SIM card tied to the network, have their contacts and other info stored in SIM cards. Meaning these subscribers can just take out SIM card and install it in any card enabled phone without carrier intervention. But on Verizon (CDMA) it doesn't work that way, the info is stored in phone itself and have to take phone to Verizon to activate it or do the data transfer. 
Good question. But the SIM card on Verizon or CDMA network is called a RUIM card (Re-Usable Identification Module). Similar to the SIM cards for GSM. I "assume" it will eventually be used for better roaming contracts between GSM and CDMA carriers. I don't know if SIM and RUIM cards are interchangeable in phones. 