Now, you have a choice. You can skip this step if you want, but it might make things easier if you want to make this into a Premium account. You may pick a credit card company or Paypal for your method of transaction, but Second Life is not asking for money yet. This allows them to simply access your bank account directly for if and when you do, in fact, want to upgrade to Premium. And they take this chance to tell you about the great deals you can get, but wait, there's more on the next page when you click on the Submit button. Once you finish creating your account, you are given the chance to make it a Premium account if you so wish. You can be billed monthly, quarterly, or annually at a variety of fixed rates which are presented to you. Thanks to an easy contract, you can choose to upgrade or downgrade your account easily while a member. So even if you start your account by paying money, you can choose to revert to a free account at any time.