The last and least marketable area of the page is at the bottom where most sites have a navigation table. Place a full index of your site here. This is also the place for banners. The problem with banners is everyone has them and browsers associate the 460 X 60 pixel shape with advertising and don't click on them. The ubiquitous shape and placement subconsciously registers, and browsers avoid looking at them because of past experiences clicking on similar shapes and the inevitable advertising come-on.
Banners are still useful, but only if nontraditional shapes and placement are used.
The most effective banners use web elements such as buttons, fake drop-down menus, radio buttons and check boxes on a gray background. Banners placed at the bottom have higher click through rates. Nothing succeeds like success as they say. The best selling point is a success story by others who have used the service or purchased the product with successful results. Most affiliate programs know this and include sections on their website with testimonials.