What is affected by the locale setting when you set up a salesforce user?

Answer options:

A.Currency
B.Time Zone
C.Language
D.Date and Time format

Correct Answer: D 
The Salesforce locale settings determine the display formats for date and time, users’ names, addresses, and commas and periods in numbers. 
Options A, B, and C are incorrect because, for single-currency organizations, locales also set the default currency for the organization when you select them in the Currency Locale picklist on the Company Information page. In a multiple currency organization, Salesforce administrators set the corporate currency, default language, default locale, and default time zone for their organizations. Users can set their individual currency, language, locale, and time zone on their personal settings pages. 
Reference: 

https://help.salesforce.com/articleView?id=admin_supported_locales.htm&type=5