<?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="RskRqrmntTyp.02.00.data.xsd#DM595" xlink:label="loc_DM595"/>
        <link:label xlink:type="resource" xlink:label="lbl_DM595" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Risk Requirement Type Dimension</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DM595" xlink:to="lbl_DM595"/>
        <link:label xlink:type="resource" xlink:label="lbl_DM595" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">This dimension classifies the reported information by relevant risk requirement types.</link:label>
        <link:loc xlink:type="locator" xlink:href="RskRqrmntTyp.02.00.data.xsd#DV6247" xlink:label="loc_DV6247"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV6247" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Other Reserves</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV6247" xlink:to="lbl_DV6247"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV6247" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">The information reported is in relation to other reserves. This is a balancing item in the list in which it is being used.</link:label>
        <link:loc xlink:type="locator" xlink:href="RskRqrmntTyp.02.00.data.xsd#DV6248" xlink:label="loc_DV6248"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV6248" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Investment Reserve</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV6248" xlink:to="lbl_DV6248"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV6248" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">The information reported is in relation to investment reserve. Investment reserves represent the difference between the cumulative value of investment income (net of investment expenses) allocated to members' accounts compared to the cumulative investment income (net of investment expenses) earned.</link:label>
        <link:loc xlink:type="locator" xlink:href="RskRqrmntTyp.02.00.data.xsd#DV6249" xlink:label="loc_DV6249"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV6249" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Administration Reserve</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV6249" xlink:to="lbl_DV6249"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV6249" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">The information reported is in relation to administration reserve. This represents a reserve comprising the difference between the cumulative value of administration fees charged but not yet allocated for payment of administration costs.</link:label>
        <link:loc xlink:type="locator" xlink:href="RskRqrmntTyp.02.00.data.xsd#DV6250" xlink:label="loc_DV6250"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV6250" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Operational Risk Financial Requirement</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV6250" xlink:to="lbl_DV6250"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV6250" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">The information reported is in relation to operational risk financial requirement (ORFR). Represents the amount held for the purposes of meeting the operational risk financial requirement. An ORFR must be separately identifiable from member accounts and reserves held for other purposes. This item is to be determined in accordance with relevant prudential standards.</link:label>
        <link:loc xlink:type="locator" xlink:href="RskRqrmntTyp.02.00.data.xsd#DV6251" xlink:label="loc_DV6251"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV6251" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Self Insurance Reserve</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV6251" xlink:to="lbl_DV6251"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV6251" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">The information reported is in relation to self insurance reserve. This represents a reserve set aside for future self-insurance events and purposes.</link:label>
    </link:labelLink>
</link:linkbase>
