Oh, what a perfect peach of a butt! Round and firm! And those panties! Not quite a g-string, but still revealing plenty of smooth and unblemished ass cheek!

His cock straining against his own underwear, Herbert had to fight the urge to bend down and kiss those succulent apples! He had no idea what was going through young Mrs. Marlow's pretty head right now, but he still couldn't believe that she was actually going through with this! How much more was she prepared to take? He had already gone much further with her than he had intended today-his hastily conceived plan being to gradually condition her over time into becoming his slutty plaything. At this rate, he would get her there in a matter of days!

He let his eyes linger on her lovely ass for a moment before following the elegant curves of her long, bare legs. Oh, how he yearned to see this delightful creature in the nude!

Unable to resist, he blurted out, "Bend over!"

He saw Jenifer's shoulders stiffen, and she turned her head to one side.

"Do it now!" he hissed, rubbing at the bulge in his pants.

Jenifer's legs now started to tremble as she reluctantly bent forward, still clutching the crumpled skirt around her waist, and then pushed her sweet ass out towards him.

"Oh, my dear God!" Herbert moaned.

Somehow the tormented girl had contrived to part her feet, toes pointing inward, with her knees pressed together and the tantalizing white panties disappearing between the twin orbs of her buttocks. Herbert let Jenifer suffer in that pose for a good minute before allowing her to straighten up and turn around. Her inversion had added even more color to her face and Herbert also detected a little moisture gathering in her beautiful green eyes. Spotting his obvious erection, Jenifer looked away toward the shaded window.

Herbert cleared his throat and said, "That was most enjoyable, honey. Now I haven't seen the rest of your underclothes, so I'd like you to lose the skirt completely, and then take off your blouse."

"Please, Mr. Franklin, no more!" Jenifer quietly implored him. "I can't do that in here!"

Please!

Her muted reaction both relieved and thrilled him. She was obviously as anxious about being discovered as he was excited, but her supplication indicated that she had already accepted his dominant role in their nascent relationship.

Further encouraged by this, Herbert said, "I thought you understood me. No arguments or discussions-just obedience. Or have you already reneged on our agreement?"

The loans file on his desk-the key to this whole titillating journey-almost glowed with its presence. Even though Jenifer had already suffered the unimaginable indignity of having to display her skimpy panties to a perfect stranger, this next step would have to be a major watershed for her.

Herbert held his breath as he watched the delectable young wife's face. It was do or die time. If she decided to undress in front of him now, then she would surely have resigned herself to her fate! She looked at the loans file, then at Herbert, and then up at the ceiling as with quivering fingers, she unzipped her skirt and worked it down over her thighs and calves, and then stepped out of it.

After a brief hesitation, Jenifer then undid the remaining buttons of her blouse and shrugged it over her shoulders, allowing the garment to join her skirt on the carpet. At first, she instinctively clamped her arms across her breasts, but incredibly, she quickly placed them by her sides.

My, we are learning quickly!

Herbert took his time perusing her youthful beauty. Her belly was flat with a cutely indented navel. Her vulva was well pronounced, her bush visible beneath the sheer panties. Even though her large breasts were supported by the push up bra, they looked very firm, and he suspected that they would stand up proudly on their own.

Tempted though he was to put that to the test, Herbert willed himself to be patient. It looked as though there was going to be plenty of time to become intimately acquainted with young Mrs. Jenifer Marlow. They way he had it planned in his head, her husband would never actually be able to free himself from his debt, and that meant he would end up handing his young wife over to Herbert for a very long time to come!

A red hot pulse of power surged through Herbert as he retook his seat behind his desk. He actually had a beautiful young female customer standing in her underwear in front of him and waiting for his next command!

"You have an exquisite body, Mrs. Marlow," Herbert said. "Scott must be very proud of you."

Hearing her husband's first name, Jenifer made eye contact with Herbert again.

Turning the screw a little tighter, Herbert said, "I wonder what he would think if he could see you right now."

Jenifer's succulent mouth turned down at the corners, and for a moment Herbert thought she might cry.

"Do you love him?" he asked.

It was quite a question to ask of a young woman standing half-naked in front of a stranger, but with a quavering voice, Jenifer said, "Yes, of course I love my husband."

"I'll bet you've never been unfaithful to him, have you?"

Looking increasingly uncomfortable at this line of interrogation, Jenifer shook her head. "No! I'm not like that!"

"And yet here you are, brazenly showing your body off to another man."

His barbed words must have hit home because now a tear did indeed trickle down one of Jenifer's cheeks, while her deep blush had extended all the way down her neck.

"I know what you're thinking" Herbert said. "You have only done this under duress and when you are at home you will return to being a faithful and loving wife, am I right? Well, I can't do anything about that, but I don't want to be constantly reminded of your matrimonial bliss-therefore you will not wear that wedding band during office hours."

Jenifer sniffled and unconsciously twiddled the ring on her finger. The wretched girl looked quite crestfallen, but Herbert was only just beginning to chip away at her domestic life.

"But even that's not enough, is it? I'll have to constantly address you as Mrs. Marlow in front of the staff, and that won't do at all. No, I have a better idea. Tell me, what is your maiden name?"

Jenifer stared at him a moment and then stammered, "It's-Pickett."

"Pickett?" Herbert allowed himself another condescending sneer. "How quaint. Well that is what you will be called in the bank from now on-Miss Pickett. As far as everybody here will be concerned, you are an unmarried woman. There will be no talk of your husband, and quite frankly he doesn't deserve to be mentioned. After all, it was his financial imprudence that has led to your standing here in your underwear now."

A flicker of indignation passed across Jenifer's face, but she kept her mouth closed.

"Now before we conclude this meeting, I want you to display your appreciation properly."

His heart pounding, Herbert stood and came around the desk. Standing a couple of inches in front of his new sex toy, he inhaled her perfume and felt the heat coming off her flushed face.

"Look at me, Miss Pickett."

Reluctantly, Jenifer raised her eyes, and for the first time Herbert actually touched her by gently wiping away a tear from her cheek.

"Just remember that I am helping you to keep your home," he said. "All you have to do is be a very good girl."

He leaned closer so that their lips were almost touching, and Jenifer reflexively pulled away.

"Uh-uh," Herbert whispered. "Remember the rules."

With a miserable little sigh, Jenifer parted her rosebud lips and after a slight hesitation, pressed them against Herbert's. Overcoming a little resistance, he managed to force his tongue inside her mouth. It wasn't a great kiss because Jenifer was plainly revolted by the whole experience, however it was enough for now. Their tongues were touching, their saliva mingling-and Herbert Franklin was in heaven! He finally broke away, and the unhappy wench couldn't help grimacing and wiping her mouth with the back of her hand.

"You'd better get used to it, sweetie," Herbert said. "Because each morning when I arrive at work, I expect to be greeted by you with a cup of coffee and a welcoming kiss just like that-while you are dressed only in your underwear!"