By the Operating System. It can still be accessed by the motherboard. You said it in your article.
If it is a 64bit memory controller
"When something is read from your memory, your computer finds what it needs in the addressing space, it is kindof like an IP address, it represents something in the virtual world. The addressing space is limited by the bit depth of your memory controller, which in most modern systems is actually better than 32-bit, (128 bit i think, please correct me if I'm wrong). The limitation here goes from your memory controller to your OS. If the motherboard memory controller were 32-bit, a 64-bit OS would be limited as well. A 32-bit OS can only register a 32-bit address space which it uses to address places in your RAM and also addresses your system components. According to your OS, RAM is just another component to be addressed and it just addresses everything in the same pool which is why 4GB of RAM is limited by the devices in your computer."