I recommend using this website to create your banner.
http://www.bannerfans.com/banner_maker.php

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Steps to creating your banner

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1. Select your Layout. (Choose "Custom". It should say this--"Custom- Follow your uploaded image's dimension"--Which copies the size your picture gives you.

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2. Select a Background mode. You should see it next to where you choose your Image size. Click "I want to upload my own image". This lets you choose an image to upload from your files. After you click "I want to upload my own image", Something will pop up below where you choose your image size. This is where you choose your image from files. (Choose an image from the internet that best describes your tribe. Then save it in your files to upload later) You could also copy and paste the image URL.
3. This should also pop up: If your background image's dimension is not the same as your banner's:
(You want to click: Stretch it to fit my banner

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4. Click "Update my Banner" at the bottom. This will pop up your banner image. Next, click Text and Fonts.

5. You should see "Line 1", "Line 2", ect. Line 1 will say "Your Banner's main title". This is where you type your Tribe Name. You can use Line 2 freely.

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6. Shadows and Effects! (I don't personally use this. I'm not a big fan of Effects and shadowing in Banners. If you are, then go ahead and use it. You should know how to use Shadows and Effects. If not, you'll figure it out..like I did)

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7. Borders! I sometimes use this one. Not often! There's barely anything to this process, so it's easy!

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8. FORMAT! This is simple too! You click Format and select whether is JPG. PNG. or GIF. (If you don't know what these are, look them up)

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NOTE: Update your banner after EVERY STEP I told you!

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NOTE: After your done updating your banner/creating it...
Click "Get the codes". This gives you many codes. Click this one---

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After you've copied and pasted it, click this:

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Then..something like this will pop up--

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Click in between the [img] and [img], and copy and paste the link in between them.
For Example:

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Before you click "Submit"--You want to CUT OUT all of this!
Example:

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All you'll have left is the Forum Code.
For Example:

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NOW--Click Submit and you'll have your OFFICIAL BANNER!

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Thanks for reading! :3