Each skill has a starting bonus equal to the associated attribute (pg 6, pg 9), which should be between +0 and +2. So if your Agility and Education are +1, and you rolled an Agent, you would increase each of the Agent skills by +1: Sleight of Hand, Observation, Acrobatics, Stealth, Manipulate, Survival.
This means your Stealth starts at +1, and because of your Agent training, increases to +2.
> 3 terms
3 terms gives you +3 skill points to spend to increase your skills. You could spend 1 point to get Stealth to +3, but you cannot spend 2 points to get it to +4. You can spend those 3 points however you want.
> Are these the only skills you get?
You will have access to all skills all the time. This is a skill based game, so you will want to write down your total skill level for each skill. You don't sum together ATR+Skill for each roll, as it is just 2d6+Skill (pg 21).