families. (11) In order to expand economic opportunity and spur economic growth, the United States should promote savings and investments for all Americans. 3. USAccount Fund (a) Establishment There is established in the Treasury of the United States a fund to be known as the USAccount Fund . (b) Amounts held by Fund The USAccount Fund consists of the sum of all amounts paid into the Fund under this Act, increased by the total net earnings from investments of sums held in the Fund or reduced by the total net losses from investments of sums held in the Fund, and reduced by the total amount of payments made from the Fund (including payments for administrative expenses). (c) Use of Fund (1) In general The sums in the USAccount Fund are appropriated and shall remain available without fiscal year limitation— (A) to make contributions to USAccounts, (B) to invest under section 6, (C) to make distributions in accordance with this Act, (D) to pay the administrative expenses of carrying out this Act, and (E) to purchase insurance as provided in section 8(c)(2). (2) Exclusive purposes The sums in the USAccount Fund shall not be appropriated for any purpose other than the purposes specified in this section and may not be used for any other purpose. (d) Transfers to USAccount Fund The Secretary shall make transfers from the general fund of the Treasury to the USAccount Fund as follows: (1) Automatic contribution Upon receipt of a certification under section 4(b)(2) with respect to an individual, the Secretary shall transfer $500 to the USAccount of the individual. (2) Matching contributions Upon receipt of each certification under section 4(d) with respect to an individual, the Secretary shall transfer the matching amount to the USAccount of the individual. (e) Private contributions The Executive Director shall pay into the USAccount Fund such amounts as are contributed under section 4(c). (f) Prohibition on Use of Payroll Taxes To Fund USAccounts The USAccount Fund and USAccounts are wholly separate and unique from the