Now that First Time Setup is complete, you need to create all member types for your online business. Go to the Setup->Member Settings menu, and the second section will look like:

Complete the section shown in the above image for every member type you require. With the above example, the member type is named Gold, and will be automatically charged a membership fee of $9.95 every month with an additional $5 setup fee when they first join. Continue this process until all needed member types have been created for your online business.