How to lose fat pad?

[huge-girth]

Do lower abdomen exercises target that area?

This should work as long as you combine it with a good diet. This is what I intend doing for myself.

 

[DLD]

This should work as long as you combine it with a good diet. This is what I intend doing for myself.

Diet AND exercise

 

[squirt_inducer_man]

You can't spot reduce fat.
But if you have a higher level of skeletal muscle mass, it's easier to reduce your body fat mass, and keep it low.