A comprehensive Character Template adds extra bones and joints.
A new HumanIK character template, FullRigControlsConfig.xml, has been added to the two existing rig templates (CharacterControlsConfig.xml and CustomRigControlsConfig.xml). This new template provides a comprehensive list of all spine, neck, hand and foot joints, extra shoulder joints, as well as additional finger and toe bones.
To load the new FullRigControlsConfig.xml template:
Select > Edit > Custom Rig > Load UI Configuration.
By default, the character controls templates are created in CharacterControls directory during installation. These files are used to create the default layouts for the Controls and Custom Rig tabs.