This is based on a particular experience some time ago, hope you enjoy!
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My wife and I took a holiday to one of the Greek islands, after a couple of days, my wife said she would prefer to hang around the pool but if I wanted to take the bike we had rented and go and explore that would be ok.
We stayed at the hotel for a couple of hours then I set off, with the intention of seeing a little more of the island. I had gone a few miles, it was really hot and I decided to explore a track I found leading to the sea, it wound down towards the sea and around a corner I came across a rocky cove with no one in sight.
I parked the bike, and found a nice smooth rock at the waters edge and striped off fully, as there was no one around, and slipped into the cool sea.
It felt great to be swimming naked!
I swam out a little and upon turning around I noticed a little along from where I put my things ,behind another rock was a lady sunbathing, and she looked to have the same idea as me and was totally nude.
I swam a little closer and at that moment she stood up, reached for a colourful sarong and wrapped it around her waist before standing up, at that point she saw me and put her hand up to wave, I looked behind me but there was no one, she was waving at me, I waved back and turned and headed towards my spot.
Climbing up onto the rocks I noticed that she had come from behind her rock and was heading towards me, I grabbed my towel, wrapped it around my waist and stood against a large rock.
As she approached I saw she was a lot older than me, I guessed around 50, she was actually 58 when we got chatting, and she was German but spoke perfect English, with a real sexy German accent! She had a fantastic figure and just gorgeous pendulous breast that were completely free, with large nipples, there was a slight breeze too and the light, almost transparent sarong, with the split right at the front kept blowing apart to reveal a completely hair free pussy!
I tried not to make it obvious sneaking a peek, but it dawned on me that she was actually quite enjoying flashing at me, and she half heartedly giggled and tried to hold it down!
I could feel a little stirring in my cock and tried hard not to keep looking at her ... impossible, I was hoping she wouldn't notice as I felt my cock start to stiffen!
She then said she must be getting back to her place, but then turned to me and asked me if I would care to join her for lunch, well that was the last thing on my mind, however she smiled and told me to come over when I was ready, she then added I looked fine like I was, and to come soon!
She went back along the rocks and I slipped back into the sea to cool off.