There are lots of tips in these forums about referring others. This is one you may want to read:
A few tips for building your ClixSense | ClixSense Forum
In regards to using banners, it depends on what you are going to do with the banner.
For example, if you are going to enter a banner into a traffic exchange, the traffic exchange will probably
ask you for two things:
1. Banner Image
2. Banner url
In other words, it will want the image of the banner and your ref url for that banner.
This is very easy. All you do is copy paste the banner image and then copy paste your affiliate url.
If you are placing a banner on your own website you would need to use the entire html code as displayed
in the banners area here. In this case, you'd simply copy the entire code displayed, and paste it into your
page.
Just remember, there are two parts:
1. The actual banner image
2. Your affiliate url
Most places you can advertise such as traffic exchanges, classified ad sites, etc, is going to ask you for
each one, when submitting a banner. You certainly don't want to use a banner without your affiliate
url.