One of her brother's friends

Originally by an unknown writer on writing.com

Owen's friend Tom lived up to his name, and even when Lizzy was completely dressed, she always felt like Tom was imagining her naked. Today, with her wearing a loose towel that threatened to fall off at any moment, there was no question where his mind was.

He stared with his mouth open. "Yes?" Lizzy asked, pretending to be oblivious to the effect she was having on him. "Oh, sorry, I just got out of the shower."

"That's okay," he said quickly.

"Are you here for Owen?" she asked.

"Who? Oh, right. Yeah, is he home?"

"I think so." She turned around and called out, "Owen! Tom's here!" She turned back just quickly enough to loosen her towel and flashed him a smile. It slid down her supple body, and she pretended not to notice it for as long as she could get away with. "He should be down here in—EEK!"

"Ah!" Tom said, startled by both her nudity and her yell. 

"Don't look at me!"

"… ah?"

She adopted the classic ENF pose with a twist that she had practiced in front of a mirror. Her hand that covered her pussy had its fingers spread apart so it covered nothing, and her arm across her breasts was angled so that her nipples were still exposed. "Turn around!"

"Ah!"

Her face was red, but with excitement instead of embarrassment, and she dropped her arms, giving Tom one last perfect view, and grabbed the towel. Instead of wrapping it around her, she held it in front of her under the pretense that anything else would expose her further. Then her brother arrived, and came face to face with her uncovered bottom.

"Hey, Tom," Owen said. "Good to see you—holy crap, Liz!"

"Ah!" Lizzy spun around so she was covered from Owen's angle and so that Tom could get a good look at her butt. Then she pretended to realize her mistake and spun around again to cover herself from Tom but exposing herself to Owen, and pulled it off a third time before she "accidentally" dropped her towel. She crouched down, grabbed it, and wrapped it around herself. "Oh my gosh, I can't believe that happened!" she said. "That was so embarrassing."

"Hey, don't worry about it," Tom said, stepping inside. "You look great."

She smiled at him, as though being told that teenaged boys liked looking at naked girls was that much of a compliment. "Thanks, Tom. Well, I hope you two have fun!"

"I know I have," Tom said. "Hey, do you think you would maybe, um, want to hang out with us?"

Lizzy considered that.