Default Terminal Services users in SB2k3

I bought Server2k3 Small Business edition. It came with 5 CALS. Is terminal services available to my users? I read that I need a TS license, but TS is running for administrators. I have 4 or 5 computers that I want to set up for TS. Do I need any additional licenses or does it come with some like XP?

I made a user (USER) and gave it access rights, remote access rights in the group policies. I enabled the user for terminal services with a blank profile.(I don’t know what to put in there).

The results are that when USER is made part of the administrator group, it can login. If it is part of the USERS or powerusers group, it cannot. I get an error “You do not have access to logon to this session.”

Any ideas?
Thanks..
David