1. HEADLINE with your pithy heading 2. jjhbanner01.jpg with your image; 600 x 200 pixels 3. TEXT GOES HERE with your content 4. CCCCDD with your linkbar background hex 5. AA4433 with your link color hex 6. 000000 with your headline color hex 7. FOOTER TEXT with your disclaimers, copyright, etc.
If you want to use the layout as shown, leave the hexes as is. Right-click and save the banner to your computer, upload it to your photobucket or other host, and replace "jjhbanner01.jpg" with the URL.