It depends on the girl. If she's really smoking hot, so hot that she brings out the inner goldfish in me, I wouldn't be able to control my lust. I'd go right up to her and start being extra "friendly" to her.

Some girls at this point would reciprocate and the session just continues to part 3, usually without any talk about $$$.

Others are more disciplined, break it off and insist on starting with massage. I go along with them if they do that cos it would be highly awkward to insist otherwise.