Answer:
You do not have to show both rates. In your ad you could state something like “rates as low as ___” and disclose the lower rate so long as that is a valid statement and not a “bait and switch” tactic. It is always recommended that you keep any calculations and supporting documentation to show your examiners if they ask. This helps prove the advertised rate is attainable and not deceptive.
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Learn more about Andy Zavoina’s webinar Advertising – Don’t you UDAAP