I'm a personal trainer and I hear this question many times each week.
It's not a case of which exercises you do (although certain exercises will help build muscle in those areas which will help) it's more about your diet and losing the fat in those particular areas.
First things first. To even begin toning anything you have to lose the fat over it. A flat tummy is all about eating at a deficit. Once you've lost the fat layer on top of it the exercises specific to that body group will add muscle to it.
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