<?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:roleRef roleURI="http://sbr.gov.au/fdtn/sbr.01.02.tech/dataElementGuidance" xlink:type="simple" xlink:href="../../../fdtn/tech.sbr.01.02.xsd#dataElementGuidance"/>
    <link:labelLink xlink:type="extended" xlink:role="http://www.xbrl.org/2003/role/link">
        <link:loc xlink:type="locator" xlink:href="bafpr3.02.13.data.xsd#bafpr3.02.13_bafpr3Abstract" xlink:label="loc_bafpr3.02.13_bafpr3Abstract"/>
        <link:label xlink:type="resource" xlink:label="lbl_bafpr3Abstract" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Financial Performance 3</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bafpr3.02.13_bafpr3Abstract" xlink:to="lbl_bafpr3Abstract"/>
        <link:loc xlink:type="locator" xlink:href="bafpr3.02.13.data.xsd#DE13114" xlink:label="loc_DE13114"/>
        <link:label xlink:type="resource" xlink:label="lbl_DE13114" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Expense Insurance Activities Amount</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DE13114" xlink:to="lbl_DE13114"/>
        <link:label xlink:type="resource" xlink:label="lbl_DE13114" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">This is the value, during the relevant period, for outflows incurred through insurance activities.</link:label>
        <link:label xlink:type="resource" xlink:label="lbl_DE13114" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/dataElementGuidance" xml:lang="en">This includes premiums debited from member accounts, reinsurance premiums charged, expenses incurred for insurance claims and changes in insurance liabilities or reinsurance assets.</link:label>
        <link:loc xlink:type="locator" xlink:href="bafpr3.02.13.data.xsd#DE13113" xlink:label="loc_DE13113"/>
        <link:label xlink:type="resource" xlink:label="lbl_DE13113" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Income Insurance Activities Amount</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DE13113" xlink:to="lbl_DE13113"/>
        <link:label xlink:type="resource" xlink:label="lbl_DE13113" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">This is the value, during the relevant period, for inflows sourced from insurance activities.</link:label>
        <link:label xlink:type="resource" xlink:label="lbl_DE13113" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/dataElementGuidance" xml:lang="en">This includes insurance claim benefits credited to member accounts, reinsurance benefits, rebate income received on premiums charged and changes in insurance liabilities or reinsurance assets.</link:label>
        <link:loc xlink:type="locator" xlink:href="bafpr3.02.13.data.xsd#DE13177" xlink:label="loc_DE13177"/>
        <link:label xlink:type="resource" xlink:label="lbl_DE13177" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Income Insurance Premium Gross Of Reinsurance Amount</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DE13177" xlink:to="lbl_DE13177"/>
        <link:label xlink:type="resource" xlink:label="lbl_DE13177" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">This is the value, during the relevant period, of premium revenue.  This item is to be determined in accordance with the relevant accounting standards.

This item is gross of any associated outwards reinsurance expense.</link:label>
        <link:loc xlink:type="locator" xlink:href="bafpr3.02.13.data.xsd#DE13124" xlink:label="loc_DE13124"/>
        <link:label xlink:type="resource" xlink:label="lbl_DE13124" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Income Insurance Premium Rebate Amount</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DE13124" xlink:to="lbl_DE13124"/>
        <link:label xlink:type="resource" xlink:label="lbl_DE13124" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">This is the value, during the relevant period, of rebates received from the insurer in respect of members' insurance premiums paid to that insurer.</link:label>
        <link:loc xlink:type="locator" xlink:href="bafpr3.02.13.data.xsd#DE13115" xlink:label="loc_DE13115"/>
        <link:label xlink:type="resource" xlink:label="lbl_DE13115" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Insurance Activities Net Amount</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DE13115" xlink:to="lbl_DE13115"/>
        <link:label xlink:type="resource" xlink:label="lbl_DE13115" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">This is the value, during the relevant period, of the net of inflows sourced from insurance activities and outflows incurred through insurance activities.</link:label>
    </link:labelLink>
</link:linkbase>
