Roll 5 sets of stats, one is picked for your character the rest given to starting henchmen. You may not modify the stats.
Pick class. Either start with maximum HP or start with HD+2 HP.
Roll starting gp. Pick a class kit you can afford. Class kits contain starting equipment, starting languages, alignment requirements, starting spells (or spell list for clerics) and a special ability (usually corresponding to an ACKS proficiency but not always). Proficiencies are not in use.