Take a bus ride with her.

"So Kate, where are you going ?" I asked her, "Oh just back to my dorm at school." She replied "Oh you go to Blackwell ?" I asked and Kate nodded.

"How about I come with, I don't want a cute girl to be walking around alone." She blushed and bites her lip "I-i wouldn't mind." She whispered and right on cue the bus arrives.

Entering with Kate, I sit right next to her as the bus started to move, I look around and besides us the bus was empty, I took a look at Kate who was looking out the window deep in thought, I place my hand on her thigh, no reaction, I move my hand up to her skirt, still no reaction.

Steeling my nerves, I put up hand up her skirt and push my fingers against her panties. Kate jumped and looked at me.