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Gender, religious background, race
Male, Christian, White
Name is William
Female, Christian, White
Name is Michelle
Male, Hindu, Brown
Name is Raj
Female, Hindu, Brown
Name is Karnika
Etc....
This is the encoding stage, the first stage when we receive external input for memory. This can come in the form of visual stimuli, acoustic stimuli and semantic meaning of the event, it is when the situation is going on and the brain/mind is making sense of it, if there is no such event there cannot be an experience to think about in the future. At least semantic meaning must be coupled with the stimuli as we have to ascribe a meaning to the situations we come across, and in some, if not most cases, the three forms are coupled to form the basis of memory.
The other stages are storage and retrieval. The storage stage is related to how long, how well and how a given event interacts with other events in one's life. The last stage is the retrieval stage which is when we try to remember a given stuation.
Answer:
It allows the bank to be exempt from many state banking laws and regulatory activities, particularly those that pertain to usury laws.