The area of your stomach from the chest up to the whole back:
This is a sign of lack of physical activity or malnutrition. This includes skipping meals and overeating. In this case, it is recommended to have 5 moderate meals a day. Also, your diet should be healthy and low in calories. Plus, try to be more physically active, take long walks, go swimming and do exercises for abdomen and back.
The area of your stomach, thighs, and buttocks:
This is a clear sign of lack of physical activity. Do exercises for the lower part of the body, circular training, and cycling.
The area of your stomach, buttocks and the whole legs:
Usually, this kind of fat accumulation is due to pregnancy. The advice would be the same as in number 4.