<?xml version="1.0" encoding="UTF-8"?>
<!-- Disclaimer: http://www.sbr.gov.au/content/taxonomy_introduction_3_0.htm#Disclaimer -->
<link:linkbase xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xbrli="http://www.xbrl.org/2003/instance">
    <link:roleRef roleURI="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xlink:type="simple" xlink:href="../fdtn/tech.sbr.01.02.xsd#businessDefinition"/>
    <link:labelLink xlink:type="extended" xlink:role="http://www.xbrl.org/2003/role/link">
        <link:loc xlink:type="locator" xlink:href="InsrncActvty.02.00.data.xsd#DM621" xlink:label="loc_DM621"/>
        <link:label xlink:type="resource" xlink:label="lbl_DM621" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Insurance Activity Dimension</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DM621" xlink:to="lbl_DM621"/>
        <link:label xlink:type="resource" xlink:label="lbl_DM621" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">The information represents the type of insurance activity.</link:label>
        <link:loc xlink:type="locator" xlink:href="InsrncActvty.02.00.data.xsd#DV6413" xlink:label="loc_DV6413"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV6413" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Self Insurance</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV6413" xlink:to="lbl_DV6413"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV6413" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">This information represents insurance offered under an entity's self-insurance arrangements, in accordance with the relevant Prudential Standard.</link:label>
        <link:loc xlink:type="locator" xlink:href="InsrncActvty.02.00.data.xsd#DV6414" xlink:label="loc_DV6414"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV6414" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Acquired Insurance</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV6414" xlink:to="lbl_DV6414"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV6414" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">This information represents insurance acquired by an entity from a life company registered, or taken to be registered, under the Life Insurance Act or a general insurance company or Lloyd's underwriter authorised, or taken to be authorised, under the Insurance Act (an insurer), in accordance with the relevant Prudential Standard.</link:label>
        <link:loc xlink:type="locator" xlink:href="InsrncActvty.02.00.data.xsd#DV6415" xlink:label="loc_DV6415"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV6415" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Self Insurance And Acquired Insurance</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV6415" xlink:to="lbl_DV6415"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV6415" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">This information relates to self-insurance and insurance acquired by an entity from a life company registered, or taken to be registered, under the Life Insurance Act or a general insurance company or Lloyd's underwriter authorised, or taken to be authorised, under the Insurance Act (an insurer), in accordance with the relevant Prudential Standard.</link:label>
    </link:labelLink>
</link:linkbase>
