Next rule... after 4-14-1
In the scenario you have quoted from 4.14.1B, the 5th foul was the profanity so the player was surely not bench personnel at the time the 5th foul was committed.
The answer as to when, is in rule 4-14-2: A player is officially disqualified and becomes bench personnel when the coach is notified by an official.
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"There are no superstar calls. We don't root for certain teams. We don't cheat. But sometimes we just miss calls." - Joe Crawford
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