Hi Mike. Upon checking the user manual, there are two icons with an exclamation point that can be found on the upper left hand of the home screen.
It could be the icon for 'Problem with SMS/MMS delivery' or 'microSDHC card removed'. To see which one it is, check page 15 of the user manual.
If you don't have the manual yet, you can get a free PDF copy from the ZTE Savvy page.