I just noticed that caurmen (and thanks for your help when I was PMing you), is posting tutorials (1 and 2).
I understand the first tutorial because my affiliate manager told me 2 campaigns that is working on POF and I can always find pictures on the internet.
It is the 2nd tutorial that is not clear. What software shall I use to edit my banner so that it can look like this
(sorry for outing this image)
Because from my understanding the person added a picture with a text.
For now I want to direct link, I don't know how to use dreamweaver. I would take my learning process gradually, but for the mean time, I want to understand the banner making.
Also, how can I get my POF ads account accepted. Mine was rejected.
If you don't have photoshop, you can always try GIMP (it's free):
http://www.gimp.org/
Or Paint.net: www.getpaint.net .
You'll need to learn the basics of using it - I WILL do a tutorial on banners at some point, but I'm working on the rest of the step-by-step guide for now.
This tutorial covers approximately the same ground: http://graphicssoft.about.com/od/pai...tsy-banner.htm It should get you started!
Just a tip when editing / making your own banners.
Make them look amatuer / non professional. The amatuer looks will 99% of the time get a higher CTR and conversion rate compared to the banner you posted above which looks a bit too professional!
^^ this.
If your banners don't look like a badly-formatted community newsletter made by someone who loves Comic Sans like their only child, you can probably boost ROI by making them look worse 
http://uglybannersworkbetter.com/