FTP: How do I define which folders a new account sees?

Currently a brand new account on my RedHat ES box is created with the following folders on show when you log in with FTP:

/etc
/mail
/public_ftp
/public_html
/tmp
/www (as a shortcut to public_html)

then the following files:
.contactemail
.lastlogin

What I want to do is two fold:
1. remove access to /etc, /mail, /tmp and /www and hide .contactemail and .lastlogin
2. Set the default login folder for all accounts to public_html so that clients go straight there when they login.

However I think it would be fair enough to leave the public_ftp folder accessible by clicking the parent directory link to go up a level if users want it.

Sorry for being dumb, but if someon could help educate me a little on this I would be grateful. Many thanks.

 

 

 

 

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