let say my top-level domain is = TLD.net

1: how i create sub-domain ftp?
1st i create subdomain, i go to ftp, add the name same as my subdomain, correct?

2: how i create folder ftp?
i go create ftp account with the folder name as i want, correct?

3: if i have sub-domain same name as my folder ftp, how?
if i already have test.TLD.net as my sub domain, can i still create test as my folder ftp? if yes how?

urgent help pls...

I am a little confused but here goes.

yourdomain.com (public_html)
subdomain.yourdomain.com (subdomain or actual name is created in public_html by cPanel)

I copied and pasted this from cPanel: "Note: If you wish to grant virtual ftp access to this subdomain, just create a ftp user with the same username as the subdomain base name that is listed inside the (). "

I got my answer now, actually create sub domain is same as creating web user.