GEM facilitates customers for investment in Equity Market (shares/securities) through designated and registered TREC holders / Brokerage houses of Pakistan Stock Exchange, settlement of trades and custodial services. Any of the customer / potential prospects across the Globe who maintains base account (resident status) at any of the Bank AL Habib Limited Branches across Pakistan, can open GEM Account. There are three types of AOFs required to be filled by customer. GEM Linked AOF: This is non-c