If you want to use an accessory model which is saved in a folder other than the default Template or Custom folders, you have to import the accessory model.
To import an accessory:
Click the Avatar button.
Click the Accessories button.
Click the Modify tab in the file manager.
Click the Import button in the Import Accessory field and browse to the location of the accessory model, select and import it.
The imported accessory is applied to the current character. To change its position, see Adjusting size and position of accessories for details.