1ST ANSWER TO YOUR 1ST QUESTION:
Iphone is only designed for AT&T and some carrier exclusive only in America. and iphone cannot be used with any other GSM line or simcard. (only for AT&T..)
And the solution is to unlocked it and modify to use with other simcard.
therefore, if you are using QTEL simcard, then your phone is unlocked.

2ND ANSWER TO YOUR 2ND QUESTION:
How do I check what version of the firmware is on my iphone?

If your phone has already been activated, go to start - settings - general - about - "You can see now the Version of your iphone."

If your phone is not yet activated,
To check firmware, (emergency) dial *3001#12345#* and tap Versions.

Firware version:
03.14.08_G. you have v1.0.2.
04.01.13_G you have v1.1.1.