The present invention provides software, methods, and computer systems for displaying banner ads with a set of navigation options presented to an end-user, such as a customer or consumer, who selects or clicks on the displayed banner ad. The navigation options include URLs on a network to which the end-user computer is connectable. The invention includes software, systems, and methods for allowing the publisher to define and update the set of options. The invention includes software, systems, and methods for recording display event statistics for the banner ad whether the end-user is viewing the banner ad either off-line or on-line. The invention also includes a means for targeting and sending messages across the network to end-users.