With user templates, you can create named sets of properties that users have in common, and then use those sets as your starting point when you create new users in the future. You might, for example, want to create a template for new students in biology, or one for new sales employees.
(If you selected User Templates in the right pane, click Action->Open to see a list of existing templates, if any. The Action menu will then change to provide the options described below.)