Well, all the options are annoying. Though, I agree with Conor that the banners are the most tolerable among the three. Some people like surprises while the others don't, but most people hate surprises like pop-up and pop-under ads.
I tend to agree with changing providers, followed by banner if you must choose. On the other hand, though, most people nowadays are using popup blockers, so maybe the popup would be not so bad a choice
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