The Users tab provides the following customization options:
Create User 'Profile Path' Directory If Specified and/or Changed: Automatically creates the user's "profile path" directory (if specified).
This does not create any permissions on that directory.
Create User Home Directory If Specified and/or Changed: Automatically creates the selected user's Home Directory.
This option does not set Permissions on the Home Directory.
Set User Directory Security When Directory is Created and/or Changed (Full Control for the specified user only): Sets the security permissions for the selected user's Home Directory to "Full Control" for the selected user only.