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1.
Underpants. Can be used to describe male or female underpants. More likely to be acceptable if used by a guy describing a girls underpants.

Originates from the Hindi word chadees for underpants.
Man, I really want to get into her chadees.
af Prem Shah 24. august 2006
 
2.
A person who receives 90-degree loving from a chadder, often in the showers.
"Pick up the soap Charlie, there's a good chadee"
af AW 22. december 2004