Inquisitor using a baldric, bane

I would like some clarification on exactly how the baldric, bane magic item works when used with an inquisitor.

Baldric, Bane

If the wearer is an inquisitor, she is treated as five levels higher when using her bane and greater bane abilities . If the wearer is not an inquisitor, she gains the bane ability of a 5th-level inquisitor, but must first attune a light or one-handed melee weapon to the baldric by hanging it from the cloth for 24 hours, and can only use the bane ability with the attuned weapon. Attuning a new weapon to the baldric ends the attunement for the previous weapon.

So for non-inquisitor’s its straight forward. A single light or one-handed melee weapon gains a 5th level inquisitors bane ability.

If an inquisitor is under level 5, would it grant the bane ability as if they were 9th level, or because it wasnt unlocked yet would the magic item do nothing for them? Same question for someone between 7-11 level would they unlock the greater bane ability?

So basically, does the item allow them to unlock bane/greater bane up to 5 levels early? Or does it only grant you increased usage once you have unlocked them?