Hi czdepot,
When you are creating a listing through Auctiva and are using a header and/or gallery image, the image you are using as your header/gallery image must be submitted to eBay's photo hosting service. When this occurs, it causes eBay to place that image at the bottom of your listing, which is the spot eBay hosted photos are always placed.
On the other hand, if you aren't using a header or gallery image, that additional image will not be placed below the template. I'm not sure if there is a way to prevent that eBay hosted image from being displayed when you are using a header/gallery image, but it may be a good idea to contact eBay's customer support team to make sure.
Any additional questions or concerns? Please feel free to contact our customer support team using the appropriate link on our help page:
http://www.auctiva.com/free-auction-software-help/help.aspx-Mike