Here's a crash course on how to use an image for the background of your profile.
First off, The image must
come from your photo album, create an album and upload the image you wish to use if you haven't already.
(This operation will go much smother if you open two windows)
First click on "Customise Profile"
In a second window open your photo album and click on the image you are going to use.
Copy the URL by right clicking
Paste the URL into the area labeled "Primary Content Area" under "Background Image" and hit save.
As far as the rest of the options found in the last pic goes you are just going to have to play around and experiment because these are all a matter of personal preference. You can change colors, text style, text color and sizes.. Botta bing botta boom and there ya have it..