Designing banners and web ads is my forte -- you can check my portfolio for samples :) As for your questions: 1.) Simple banner would take less than an hour to make. Depending on the complexity, and if you require an artwork with much thought to it, it would take more time, 2 hours more or less. 2.) 10 USD is my hourly rate 3.) You can pay me through this site or with paypal, but I suggest payment done through this site. 4.) I can provide GIF, JPEG, PNG and PSD. Please drop me a message so we can discuss more of your project in details :)