Click the "Insert Signature Photo" that is I think blue and comes up next to your uploaded photo.
This puts something like [SIGPIC][SIGPIC] up in your signature block. Then it got tricky. After playing around some more, I right clicked on my picture and selected "COPY".
Then I went up between the ] and the [ and right clicked and selected "PASTE". Miraculously the picture showed up. Hope this helps some of you.
Now...still not seeing the photo album option under UserCP...
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