You need to register separately on the photos page to upload images. I recommend registering with the same username you have for the forum. Once you have done this, you should see links on the upper nav bar of the photos pages to upload images. If you upload to the member galleries section the images will be placed in a folder with your name.
If you want to add a folder, look on that same upper nav bar for a link to Album Admin. Here, you can add new albums or manage existing ones.
Look for changes later this year to both the photo section and the forum. We are planning a software update and move to a more user friendly interface and will be able to do away with the extra login currently required for the photo page.