fighting fat .. can't do it !?

i'm 5'5 145 down from 170 .. lost weight ans still have belly .. i did HIIT For 3 months .. and can't get rid of fat .. peoples who lost their stomach fat, tells me: don't do cardio, lift heavy and eat clean !

my pic: http://img263.imageshack.us/img263/6894/img0005620...

if i do this workout, with proper nutrition, without cardio .. can i get rid of belly ?

Workout #1 (Day One) Exercises

Barbell Chest Press: 8-10 Reps for 3 Sets

Pull Ups (Can be performed on a pull-up station with assist or a traditional pull-up bar): Perform as many pull-ups as you can for 3 sets.

Standing Military (Barbell or Dumbbell) Shoulder Press: 8-10 Reps for 3 Sets

Barbell Squat: 8-10 Reps for 3 Sets

Seated Calf Raise: 15 Reps for 3 Sets

Swiss/Stability Ball Ab Crunches: 20-25***

Workout #2 (Day Two) Exercises

Dips: Perform as many reps as possible for 3 sets*

Cable Rows: 8-10 Reps for 3 Sets

Seated Dumbbell Shoulder Presses: 8-10 Reps for 3 Sets

Barbell or Dumbbell Deadlifts: 8-10 Reps for 3 Sets

Smith Machine Standing Calf Raises: 15 Reps for 3 Sets

Hanging Leg Raises/Roman Chair (Abs): Perform as many as you can for 3 sets***

Workout #3 (Day Three) Exercises

Dumbbell Chest Press (Vary the position of the bench from flat to incline across sets): 8-10 Reps for 3 Sets

Bent Over Dumbbell Rows (can be performed in a Smith Machine as well): 8-10 Reps for 3 Sets

Upright Rows (Dumbbell or Barbell): 8-10 Reps for 3 Sets

Lying Leg Press: 8-10 Reps for 3 Sets

Seated Calf Press (Performed on Leg Press Machine): 15 Reps for 3 Sets

V-Crunches/Jack-Knife Sit Up (Abs): Perform as many as you can for 3 sets.***