The y-intercept can be found either on the graph where the line intercepts the y-axis, or b in the equation y=mx+b.
It represents the fee because it will be charged even if the number of months (x) is zero. 10 is the monthly fee because it is multiplied by x, the number of months.
The answer is the fourth option "15; it represents the one-time sign-up fee." x represents the number of months you have the gym membership which would mean the 15 would represent the sign up fee. So, you pay 15 dollars for signing up for x months.