Oblige the girl.

You reach over to your bag and pull out a bottle of sun lotion, pouring a generous amount into the palm of your hand. Gemma slips her bikini top off over her head so she can get an even tan, and lies back down on the towel. You begin to massage lotion into her back, making sure to evenly apply it all over. As you work her lower back, she undoes the side-tie of her bikini bottoms and flops them to the side, revealing her perky ass. You never noticed that she never had any tan lines, and you think she must sunbathe nude often.

You work your way down, massaging lotion into her firm asscheeks, and then moving onto her slender legs. As your hands fondle her perfect tiny body, your cock begins to stiffen beneath your board shorts, which hasn't escaped Gemma's attention. She giggles and reaches over and strokes it on the outside of your shorts, causing you to harden even more as you continue to apply lotion to her golden skin until it's glistening in the sunlight. You haven't even been at the beach for more than five minutes and you're already bursting out of your shorts, wanting so much to fuck her.

"Lie down," she says, pointing at your beach towel.