I know a site that uses all of those features for reference too if that helps?
Thanks Paul

Hi Jason
Thanks for your help,basically it's an adult website that i wanted making on wordpress.
3 types of members vip,registered and guest users.Guests will be able to view thumbnails only,registered users will have access to all photos 480 x 640 max and forum,vip members have access to full size photos and videos and have no ads on the pages
main page 24 categories that are laid out in rows of 3 with a thumbnail for each category
photos in each category laid out in rows of four,20 thumbs per page.
users can upload upto 10 pictures or clips at a time and add their own titles and descriptions to them.
Watermark automatically added to pictures and videos in lower right corner.
All user uploads don't go live until verified by admin.
Vip able to watch video streaming or download to hard drive.
Videos show duration and link to screenshots
space for ads at top and bottom of page
ccBill payment gateway integration for the vip members.

Hello Jason,
We are interested to work with you as a designer,we believe in delivering excellent quality designs in the Best reasonable rates possible..
We have designs to show..Please do let me know how to get in touch with you..
Regards
Smita