 Residents of Gujranwala, Gujrat, Wazirabad, Sialkot and Hafizabad were the cities where most of his clients were.Like most Ponzi Schemes, all it requires is a chain of investors with the old members paid hefty returns on their money from the deposits of the new members.The money investors may or may not understand how the scheme works, but quite often they don't care as long as they are getting big profits on their invested money.