This is fiction and everyone in the story is over 18
To recap...
Jacob and Lia had broken up six months ago after dating for a little over a year. It was an amiable break: it had been a good relationship, but they realized there was someone better for them out there. They'd loved each other a lot, Jacob admiring how soulful and witty Lia was, and though she was a bigger and thicker woman than he'd ever dated, he'd come to love her body and find her to be a very sexy woman with a strong libido that more than matched his own.
After the breakup, they didn't talk or see each other for almost three months, until they happened to run into each other at a jazz show. Both of them were still single, and one thing leading to another, they ended up back in her apartment and having sex that night. They did the same thing the next weekend, and soon enough, despite the potential drawbacks in the long run, they were agreeing to be "friends with benefits," neither of them especially interested in dating right now and enjoying the comfortable sex with each other.
But a little too comfortable, maybe. One night they began talking about spicing things up and, realizing that it was easier now to talk about sexual fantasies than it was when they were actually dating, they learned that both of them had an interest in BDSM and tease/denial erotic play. So they started doing that, starting with light spanking, gentle ball slapping, and then progressing to using a belt on each other's asses. And so it went for some weeks.
Now, though, they've decided to push their boundaries. First, Lia gave Jacob a night of serious pain and tease/denial. Now it's Jacob's turn to return the favor...
"I'll be using a 1-2-3 format, too," Jacob announced, shortly after he arrived at Lia's apartment. She was wearing an old T-shirt, no bra, and simple black panties. "And same deal as last time. You can use our safe word any time, but that ends the night, and you won't get to cum with me. OK?"
She nodded, and he pulled her close to him, kissing her neck hotly and reaching down to cup her pussy mound firmly, feeling her full bush through her thin panties. "When's the last time you came?"
"Two nights ago."
He cocked an eyebrow.
"Two nights ago...sir."
Jacob nodded and told her to get naked, smiling at her large breasts and her lush triangle of pubic hair. Then he led Lia to the bed, using the silk scarves to tie her wrists and ankles in spread-eagle position, as she had done to him. He also put a pillow under her ass, so her crotch was pushed upward and presented to him.
"I'm going to tease you, sexy thing, until you're begging to cum...and I'm going to hurt you tonight, too. Can you take it for me?" He trailed his fingers through her bush and plucked out a single hair.
Lia drew in a sharp breath and winced. "Yes, sir."
"Then let the teasing begin," Jacob said, running his hands over her body, feeling her soft breasts, pinching her large pink nipples, and then starting in on her pussy, stroking her plump outer lips, then her long inner lips, and finally, dipping two fingers into her vagina. "Damn, you're already soaked."
"For you, sir," Lia answered, starting to pant and squirm as he swirled two fingers around her clit. "Oh, fuck, that feels good...I want to cum already...sir..."
Jacob laughed and plucked another pubic hair from her mound. "Oh, sweetie, you have a long way to go." He kept on swirling around her clit, which was not overly large, but certainly not tiny, and alternating that with fingering her, making her thrust her hips upwards and moan. But every time it seemed like she was getting too close to cumming, he stopped swirling and pinched her clit hard enough to squelch any approaching orgasm. "OK," he said, after another minute of this teasing. I think it's time for Round 1 of punishment." He reached into his pocket and took out a rubberband. "Remember this?"
Lia's eyes widened. "What...what are you going to do with that?"
He poked her clit and grinned. "I'm going to snap it against your clit, baby, and it's going to sting..."
"Wait, Jacob" -- he plucked one of her pubes -- "I mean, sir! I don't know..."
"Or you can say the safe word, and I'll untie you and leave," he said. "Up to you."
Lia glanced down toward her crotch. "No...do it."
"Do what?"
"Snap me with the rubber band."
"Snap what?"
"My clit, sir."
He nodded. "OK. Here we go, sweetie." Jacob arranged the rubberband across the top of Lia's pussy, peeling apart her wet lips so he could pull the band back and release it straight onto her clit. "OK, feel it all for me, babe," he said, letting it fly.