We used our 'paint' program to come up with a design that we wanted. Some people also use 'photo shop'. Once you have a picture design that you'd like to turn into a linked banner to your kennel site or wherever you want the banner to be linked to this is what you do...
Upload the picture onto www.photobucket.com which is free. Open up a 'microsoft word' page. Copy the HTML code (that photobucket supplied for your photo you uploaded) and paste it into your blank 'microsoft word' page. The very first web address in the code (which should be a photo bucket web address) change to the web address you'd like it to be linked to. You must enter in the new web address in the same exact spot as the first www.photobucket.com/.... address.
I hope this helps. You then copy and paste the new code and paste it in an area people can see your banner, like on your page here.