paid subscriptions setup help. please!!!

[R34GTT]

Basically I have two paid subscriptions set up.

1. membership
2. renewal

basically you have to become a member (lasts a year) and once that becomes near the end of their membership, they can pay to renew (another year).

How can i set this up properly so after the end of their renewal they go back to "registered user" and not stay as "club member"

I also have other users set with other primary usergroups, so I don't want admin, moderators etc to have "club member" as their primary usergroup.

Any ideas would be most welcome as I want to make sure this is set up properly and that they will downgrade properly too.

thanks