step 1: instead of calling an image in your image tag, call a .php script...
in that php script you will need to get the browsers language setting and then print the correct banner based on that.... that is how you make them in a specific language.
if you want to make them with the location on them, thats a bit more difficult, what you will need to do is use a number of the functions found here:
http://us2.php.net/manual/en/ref.image.php in fact if you read through some of them, there are already examples of code on how to do this.... you will just need to get them all to work together to get the result you waant.
this is the main function involved in this type of image manipulation with php...
http://us2.php.net/manual/en/function.imagettftext.php