Excess fat on the belly, upper arms and inner thighs doesn't typically occur in isolation. If you've got it there, chances are you've got it everywhere, so unfortunately, you can't spot reduce. No exercise will target fat in just one part of the body, exercises will only add muscle to that part of your body. You need to target them all via exercise and proper nutrition. A personal trainer can help reduce overall fat and increase muscle to give you a more lean look.