XF 1.3 how to set membership

hi all,

how do i do the following:

set membership usergroups paid? so that for example if they buy course 1 they can only see topics and content for the membership they paid for when subscribing?

how do i set both paid and free membership?

thank you... sorry 1 more thing and thats all i promise lol, how do i upload a header image to the forum? or atleast link one to it via facebook as i dont have a main site