Matt, Chloe and Tina: 1 Getting Together
Copyright© 2026 by Dionysos
Chapter 10: Chloe’s Exams Start
Coming of Age Sex Story: Chapter 10: Chloe’s Exams Start - Matt, a young investment banker meets sexy 15-year-old waitress, Chloe. Despite their age and background differences, they have an instant and growing attraction to one another. However, Chloe was already in a relationship with her best friend, Tina. How is this going to work?
Caution: This Coming of Age Sex Story contains strong sexual content, including mt/ft Ma/ft ft/ft Romantic BiSexual Heterosexual Polygamy/Polyamory First Oral Sex
On Thursday, Chloe had her practical music assessment. She was really pleased how well it went and how complimentary the assessor was. In the evening, she called at Matt’s apartment, they kissed, and then they walked through the park towards the tennis club, holding hands.
“So, Chloe, how did the piano assessment go?”
“I think I did OK. I only made one mistake and the assessor seemed very pleased. But it’s horrible having to wait until August to get all the exam results.”
“It is, but I’m sure we’ll find plenty of fun things to do over the summer, to stop you worrying about your results.”
“I’m working so hard at my revision, I really need to unwind and relax on Saturdays. If I can persuade Mum, could I stay the night again, so you can help me relax?”
He laughed. “I’d like that. I’m sure I can find ways to get you to unwind.”
“I’ll ask Mum, but having let me stay the night once, I’m sure I can persuade her to make it a regular thing on Saturday nights.”
They had a fun hour of tennis against Lisa and her boyfriend, before Matt walked Chloe home.
He ate at the restaurant on Friday night, as usual and he walked her home afterwards. They went directly to her house so that she did not have a late night. On the way, Chloe said “Matt, I think I should do some more revision tomorrow afternoon. Do you think we could go for a run around 5, then spend the evening together and the night too if Mum agrees?”
“I’d like that!” he replied with a grin. “I’ve got to do some shopping in the afternoon anyway. How about I cook dinner?”
“And I can be the waitress!”
They soon reached Chloe’s house where they kissed and hugged before she went inside and he walked home.
Chloe was up early on Saturday morning as she wanted to do a very thorough job with her chores, in case she let them slip a bit during her exam period. She decided to delay having breakfast so that she could eat with her mum who was still sleeping after working late the previous evening. She started off by dusting and tidying the whole house, except for her mum’s room. Jan finally came downstairs yawning.
“Good morning, Chloe. You were up bright and early!”
“Morning Mum. Well early yes, but I’m not sure about bright!”
They chatted while they got breakfast ready together. As they sat down to eat, Chloe asked “Mum, it’s getting quite stressful with exams coming up. Do you think I could spend Saturday nights with Matt? He’s really good at helping me unwind and relax.”
Jan laughed. “I bet he is! OK, you can stay with him on any non-school night, but make sure you’re not doing too much with Matt mid-week.”
“Thanks, Mum. I’ll talk to Matt about sports.”
After they ate breakfast, Chloe went upstairs to change Jan’s bed and clean her room. She then spent the rest of the morning and afternoon revising, with just a quick break for lunch.
Just before 5 o’clock, Chloe changed into her running gear and giggling, folded and put her waitress clothes into her sports bag. She walked to Matt’s and pressed the buzzer for Matt’s apartment, to let him know she had arrived and then she let herself in. He greeted her at the apartment door with a kiss. He was a bit surprised that she had brought a large sports bag, as she had plenty of clothes in his wardrobe, but decided not to comment. Matt was already changed, so they set off on their run by the river. It had been a sunny day and was still quite warm, so they were soon hot and sweaty. He grinned at her and she returned the grin, knowing that her getting all sweaty for some reason turned him on.
When they got back to his apartment, they kicked off their running shoes and went into the kitchen to get drinks of water. They both had big grins on their faces in anticipation of what was to come next, but Chloe was a bit nervous.
“Shall I have a shower first?” she asked.
“It’s big enough for two” he replied. “Unless you’re feeling shy.”
“A bit, I’ve never been naked with a boy before. Can I get in first then you join me after a couple of minutes?”
“Of course, but if you want me to wait until you’re dressed again, that’s OK.”
“No, I want you to see me naked. It’s exciting, but I’m still a bit nervous.”
He put his arm around her shoulders. “So am I!” he laughed and patted her bottom to direct her towards the bedroom.
Chloe was a bit surprised as she knew he must have seen plenty of girls naked, but it gave her a bit of courage as she went into his bedroom and stripped off her sweaty shorts and t-shirt. She walked into the en-suite bathroom and turned on one of the showers. When it reached the right temperature, she dropped her panties and stepped into the warm spray. She took her hair out of its ponytail and let it flow over her shoulders just as she heard him open the bathroom door. She had her back to him as he exclaimed “Wow!!! You’re beautiful Chloe!”
She giggled as he took in the sight of her sexy neck and shoulders, her slim waist, her curvy bottom and her long, pretty legs.
“Turn around for me please, Chloe” he asked.
She hesitated and looked over her shoulder to smile at him, then slowly turned to face him. She had both hands in front of her, hiding her pussy, but let them slip to her side as he ogled her adolescent body. The water was cascading from her shoulders down over her perky breasts and smooth tummy to run over her curly bush and between her thighs. His open mouth and staring eyes told her that he liked what he saw. She looked down and his huge erection made her giggle. She was so relieved that he obviously loved her young body and, emboldened, she spread her legs a little and put her hands behind her head in a sexy pose.
As he got into the shower with her, she turned her back to him. He kissed her neck and shoulders while sliding his hands around to fondle her breasts. She sighed and wiggled her bottom to feel his erection against her back. His right hand slid down her tummy and through her pubic hairs to cup her pussy, causing her to moan. His finger slid up and down the cleft between her labia, opening them. She spread her legs further to give him better access and he responded to the invitation by sliding two fingers into her hot, silky vagina while locating her clit with his thumb.
She squealed “That feels so good Matt!”
He was soon thrusting his fingers into her, rubbing her clit and nibbling her ears and neck. When he felt that she was close, he thrust and rubbed faster then pinched her nipple to push her over the edge into a wild orgasm. He body stiffened and then shuddered as her vagina muscles clamped around his fingers and she squealed.
After a couple more orgasms, she turned around and kissed him passionately. When she came up for air, she said “My turn!” And knelt down in front of him, grabbing his erect cock on the way. She started by holding his shaft firmly while licking around the head and then sucking half of his cock into her mouth. She was soon thrusting her hand up and down his cock while still sucking the head and hold ing his balls with her other hand. It only took a few minutes before he warned her and then shot a week’s worth of semen into her mouth. She managed to swallow most of it with just a little escaping the corner of her mouth. She stood up with a beaming smile and gave him a spunky kiss.
He laughed and, once he had recovered, reached for the shower-gel and started soaping her all over, paying particular attention to between her legs. She returned the compliment and after rinsing each other, he grabbed towels for them to dry themselves.
Matt dressed in sweatpants and t-shirt and went into the kitchen. He had done most of the prep earlier but still needed to finish off the main course which he did after putting on some romantic music. Chloe was a bit slower drying her hair and getting dressed. She put on her sexy waitress uniform, omitting both bra and tights. She had black lacy panties, a very small black miniskirt and a white blouse with the top three buttons undone.
She went into the kitchen and put her arms around his neck from behind. “Good evening, Sir. I’m Chloe and I’m your waitress tonight. Is there anything you would really like to eat?”
“Good evening Chloe. I’d like a French kiss and a quick fondle of your beautiful little breasts for starters, toad-in-the-hole for the main course and fresh pussy for dessert.”
She gave him the French kiss he had requested while unbuttoning her blouse further to give him direct access to her breasts. He slid his hands inside her blouse and started fondling them.
“Sorry Sir, but I can’t legally let you have toad-in-the-hole until I’m sixteen but maybe I could interest you in some erect nips to suck on then some hot finger dips, followed by hidden clit to explore?”
He slapped her bottom. “You’re a major tease young lady. Please take the starters to the table.”
She took the two plates of smoked salmon garnished with a little salad and a wedge of lemon to the dining table. He soon joined her with two flutes of champagne. He gave her one and raised his to toast.
“Here’s to the second night the innocent virginal waitress lets the wicked old man play with her sexy body”.
She giggled, thinking about what he would do to her later. They ate their starter and Matt went back into the kitchen to finish preparing the main course. After carefully putting a portion of the duck a l’orange onto each of the two plates, he added roast potatoes and asparagus before taking them to the dining table.
“Wow! That looks amazing!”
“Let’s hope it tastes good too. Would you like a glass of Chardonnay, or a top-up of your champers?”
“Can I stick to the champers please, I think I’m developing a taste for it!”
He topped up her glass and poured himself a glass of Chardonnay.
Chloe took a mouthful of the duck. “Mmm. It tastes even better than it looks!”
They chatted about her forthcoming exams and once they had finished eating, he topped up their glasses and they relaxed for a few minutes.
“Do you have room for a small tiramisu?” he asked, getting up to clear the plates away.
“That would slip down nicely!”
“Like your panties?” he laughed.
“Maybe!” she replied with a twinkle in her eye.
Once they finished their desert, they went to relax on the sofa as he dimmed the lighting using his phone and stared one of his moody playlists. She lay on her back with her head on his lap as they both listened to the music.
“That was a wonderful meal Matt. Thank you for cooking it for me.”
“I enjoyed doing it for you, Chloe.”
They enjoyed just being together, relaxing and listening to the music. After a while, his hand slid inside the top of her shirt to fondle her breasts, and her nipples instantly became hard as she sighed. The remaining two buttons were soon undone and the material pushed aside to reveal her firm young breasts.
“You must have had a lot of practice to be able to undo buttons with one hand so expertly.”
“I learned to do it at Boy Scouts.”
“Did you get a badge for it?”
He grinned. “No. Just a nice handful of Girl Guide boob to fondle!”
She laughed. “I hope she appreciated how good you are at fondling.”
“Judging by the ensuing enthusiastic blowjob, she probably did.”
She giggled. “So you’re expecting a blowjob?”
He leaned over to suck on one nipple and then the other as she moaned. She held his face and gave him a serious kiss in encouragement. His hand slid down her left thigh to her knee and then slowly up her inner thigh, enjoying the soft, smooth skin. When he reached her panties, he grinned and left his hand on the inside of her thigh, not moving.
“Chloe. Will you take your skirt off for me please?”
She grinned and shuffled it down her legs to reveal her tiny black lace panties.
“Now will you take your panties off?”
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