The period of time such initial rate will be in effect
There would be no way to disclose this on a floor rate, even if you had to. You can't predict when prime will go above 4.75%.
A floor rate is not a discounted or premium rate. Discounted and premium rates are initial rates held at a certain place for a certain time period. Your floor is still indexed based on prime, it just happens to be that prime is below your floor rate.