1. The characters you created during the last phase of Beta (Phase 4/Open Beta) will be playable still.

2. I believe there is an option for 12.99 for one character per server up to 8, or 14.99 for up to 8 characters per server up to 40.(I may be wrong on this so someone correct me if so). That is just for 1 month. You can also order multiple months at a time to reduce the per month 'price'.

3. When you buy the game you get 30 days free and at that point you have to pay a monthly charge.