<?xml version="1.0"?>
<!-- Disclaimer: http://www.sbr.gov.au/content/taxonomy_introduction_3_0.htm#Disclaimer -->
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    <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="emfsm.02.05.data.xsd#emfsm.02.05_emfsmAbstract" xlink:label="loc_emfsm.02.05_emfsmAbstract"/>
        <link:label xlink:type="resource" xlink:label="lbl_emfsmAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Financial System Management</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_emfsm.02.05_emfsmAbstract" xlink:to="lbl_emfsmAbstract"/>
        <link:loc xlink:type="locator" xlink:href="emfsm.02.05.data.xsd#DE8410" xlink:label="loc_DE8410"/>
        <link:label xlink:type="resource" xlink:label="lbl_DE8410" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">This is a balancing item in the list in which it is being used.

This is, for the duration of the relevant period, the amount of fees paid to the auditor of the reporting party for provision of other services, as required to be reported on APRA form SRF_200_0.</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DE8410" xlink:to="lbl_DE8410"/>
        <link:label xlink:type="resource" xlink:label="lbl_DE8410" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Auditor Disclosures Remuneration Other SRF 200 0 Amount</link:label>
        <link:loc xlink:type="locator" xlink:href="emfsm.02.05.data.xsd#DE8409" xlink:label="loc_DE8409"/>
        <link:label xlink:type="resource" xlink:label="lbl_DE8409" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">This is a balancing item in the list in which it is being used.

This is, for the duration of the relevant period, the amount of fees paid to the auditor of the reporting party for provision of other services, as required to be reported on APRA form SRF_300_0.</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DE8409" xlink:to="lbl_DE8409"/>
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