This story is completely true...
My girlfriend, we will call her Marie, and I have been dating for about two years. I know a guy at work who runs a photography company on the side. About a year ago I introduced my girlfriend to him and after some discussion she agreed to pose topless for some pictures for him.
This guy, we will call him Rick, is middle-aged married and has two children. Marie and I are in our early twenties. I had known Rick and his wife we will call her Liz, for some time, Marie had met Rick once or twice before in passing. We agreed on a date and time for the photo shoot, which would happen at Rick's apartment. Marie ad I arrived at Rick's apartment a bit early and Rick and Liz wanted to wait for their children to go to bed before we began the photo shoot so we hung out for about an hour played video games and they served dinner.
While we where hanging out another co-worker showed up, we will call her Cindy, I had no idea she would be there. Cindy had just left the gym and wanted to hang out, Cindy and Rick and I all work together in the same department. Cindy is in her early twenties as well. Cindy had posed topless for Rick, as well as non-topless, a number of times before and was completely comfortable with it.
After the children went to sleep Rick set up his bedroom for the photo shoot and Marie changed into a nightgown, the gown was not very low-cut but it was very short. If she where to bend the right way the bottom of the gown would rise about an inch an reveal the back of her white cotton panties.
Marie climbed onto the bed and Rick began the first photo shoot session. I pulled up a chair and sat back and watched. For about an hour Marie posed in various ways and Rick flashed pictures non-stop. Rick got a great view of her white cotton panties many times and I loved every second of it.
This was the first shoot session, after this we took a break while Rick reset for the second session, which would be the topless session. He had hung a transparent sheet from the ceiling and put a light behind it hoping to get a few silhouette shots of my girlfriend topless. Before he began the topless shot with Marie he wanted to test his sheet to see how the silhouette shots would turn out. Cindy volunteered to be the test subject so her and Rick went into the bedroom and Cindy took off all her clothes except her pink panties and posed behind the sheet for Rick for a test shot. Marie, Liz and I waited in the living room.
After about 10 minutes Liz wanted to see how they were doing in the bedroom so the three of us went into the bedroom. There I saw Cindy in just her pink panties posing in various ways on the bed behind the sheet. She was very thin and had smallish breasts, probably an A cup. The three of us watched for about 15 minutes before they stopped and Rick checked how the pictures were coming out.