Hi Albert
I am Dave, an Independent Advisor, I will help you with this . . .
ReadyBoost was a technology Microsoft toyed with for a long time and to be honest, it really does not improve your system performance on a modern PC or laptop
Typically Windows will use your RAM first, and then the page file on your hard drive and ReadyBoost is meant to be faster than using the page file on an old spinning hard drive
If you have an SSD drive on your PC, then access to that will be faster than a USB drive and there is no point in using ReadyBoost
There is a lot of articles about which is the best format for ReadyBoost, and it does seem that ExFAT with Default Allocation Size is best
Honestly, even ReadyBoost is no Substitute for purchasing extra RAM, which costs about the same price as a decent USB Flash drive . .