You can't spot-reduce fat i.e. doing ab exercises will not reduce a flabby gut. To reduce fat you need to do general fat-burning exercise for the whole body i.e. jogging etc, and correcting your diet. Ab exercises are good for strengthening your core but they don't burn many calories, so don't expect flab to move with crunches alone.
Your body may seem to store more fat in a certain area than others. Tough luck! All you can do is reduce your bodyfat % of the whole body. Bear in mind your overall Body fat %, lest you become an unhealthy bodybuilding obsessive trapped in a world of make belive diet fads. In other words, a body fat of 3% may mean no love handles but your immune system won't thank you.