Which of the following statements may be included in an advertisement by a licensee?

The statement "Contact us today" is a permissible inclusion in an advertisement by a licensee because it serves as a straightforward call-to-action. This type of language encourages potential clients to reach out for more information and does not make any specific claims about services, products, or results. In advertising, calls-to-action like this are commonly accepted practices, as they do not mislead or create unrealistic expectations for consumers.

On the other hand, statements that promise the "best rates," "guaranteed approval," or "low fees on all transactions" could be problematic. These phrases can be misleading or suggest that there are absolute guarantees or comparisons that cannot be substantiated. Advertisements must adhere to regulations that prevent deceptive practices. Thus, while a generic invitation to contact a business is compliant, specific claims about service quality or guarantees should be carefully crafted to ensure they do not mislead consumers.