The petite young Japanese girl known as Endoh Riko had got up extra early in the morning when the entire rest of the grounds would still be sleeping peacefully in their warm beds in order to take an early morning dip in the pool. She figured this was the best time to do it as she could have the entire pool to herself to swim and play in.

Riko hung up her white fluffy towel on a hook in the changing rooms and set about freely removing her clothes to hang up beside it. Another pro was the absence of anyone else, so she didn't need to worry about keeping her privacy. She stood there naked, wearing only her pale tanned skin, stretching her arms high above her head with a sleepy yawn.

"Ahh," she sighed, reaching to pick up and don her (shocking) pink bikini, "This ought to wake me up. Hopefully then I won't fall asleep in my first class."

Riko pulled the stretchy fabric of the bra over her breasts and her bikini bottoms up her legs to hide everything else.

After a quick hot shower, she stepped into the main pool hall and observed the water with steam rising from it. Thank God they heated the pool. Stepping up to the edge, dripping with water and swimsuit already sticking to her body leaving nothing to the imagination, she prepared to dive in.

He was swimming through the pool as he kicked with his legs while using his arms for leverage. He was croaking and ribbiting to himself as he enjoyed the feel of the warm water carressing over his smooth skinned form. Of course he couldn't hide the fact that it was strangely 'arousing' for him as, throughout his swimming, he was sporting a rather massive boner. The thick frog flesh sticking up and out from his groin as he ponders, "Mmmm... the water of my new home is tantalizing. It's more like hands carressing over me!"

He, however, didn't even surface his head just yet to peer out into the world. His train of thought soon flitting down to his throbbing tool as he grips it with one webbed hand and started to stroke it. His intent growing as well as his arousal. It wouldn't take him long to go through one of many climaxes he'll ever experience. And being a 'horny toad'... well, he can experience quite a lot and never tire out from it.

Riko drew in a deep breath and dived headfirst into the deep end of the pool, swimming eyes closed. As she began to rise to the surface, she felt herself collide with something bulky. The floor? No. She was so shocked, she opened her mouth, releasing all the air from her lungs - forgetting the water that flowed in. She struggled under the water and swum as quickly as she could to the surface, trying not to choke, desperate for air.

Upon reaching the surface after what seemed a lifetime, she spat out the water, coughing and spluttering, breathing hard. She trod water and tried to calm down, feeling the water wash around her entire body.

When she looked down to find out what she had crashed into she gasped.

"Oh my-! What the hell is that?!"

He croaks in abit of pain as he soon swims up to the surface, rubbing his head gently with a webbed hand. Then he blinks abit as he gazes over to see a young girl within the pool. His eyes bug out as he took in the sight of her as he ribbits, "Oh... someone has invaded my home. But she's beautiful. Maybe I'll just make her feel welcome." And soon he closed the distance between him and the girl fast, aided by his webbed feet.

Soon he emits a soft croak, "Oh... hello there, beautiful one. Well... you kinda trespassed in my home." Then a rather wry grin crosses over his face as she would notice his throbbing erection was pointing right at her form. Soon he offers her a webbed hand as if he wanted a 'handshake' as he ribbits, "My name is Kawazu... what's yours?"

Asides from the obvious that he was a 'horny toad'. He seemed to be kinda gentleman-like, at the same time. Rather peculiar behavior from such an odd frog-like being such as he.

Riko watched the abnormally huge frog swim effortlessly up to break the surface of the water too, looking at her.

"Umm.." she said as it greeted her with a slightly unnerving smile plastered across its face, "I.. uh, thank you. I'm Riko.. you.. live in the swimming pool?"

She tried to avert her eyes from the long growth in front of her, long, and wet, the tip poking out from the water, as she hoped it wasn't what she thought it was. She'd never been fond of slimy creatures like frogs, and meeting a lifesize one was not the best experience of her life. However, he seemed civilised enough that she didn't feel in danger, so for the moment, she reached her hand out to shake with his. The web between toes, sticking to her small hand.

He shakes back rather gently as he croaks, "Riko, eh? What a nice name. And yes... this is my home. It's very cozy here. And I'm quite lonely. So I'm really glad you came. So I hope you are willing to spend alittle time with me." His eyes wandered down to her bountfiul breasts which were covered by her top as he imagines what they look like if he removed it, fondling them and licking over them with his tongue.

As his mind wandered... abit of pre oozed out from the tip of his shaft as he tries to focus his attention back to the girl's face. Even though his raging horniness was wanting him to do something otherwise.

Riko swallowed as he spoke, wondering what he meant to do in the time she spent with him. She already had goosebumps on her body from nerves at the slippery texture of the frog's hand.

She was aware of his eyes flickering to her breasts but she couldn't cover them otherwise she wouldn't be able to stay afloat in the water.

"O-okay.. I.. never knew there were such.. unusual animals living in this college.."

She couldn't help but look when a glisten of a creamy liquid caught her eye. It settled on the top of Kawazu's ... well, was it what she thought it was? Surely not...?

"Mr Kawazu.." she ventured, "W-What is that..?" Her eyes were glued to his shaft, a look of shock and wonder in them.

He blinks as he gazes down at his throbbing shaft and emits a soft laugh. Then he says, a look of nervousness suddenly shows over his face, in a gentle croak, "Eh, it's my cock, my dear. You see... I'm a horny toad. And... well.. all of my race are just like me. But... the sad thing is... is I'm the last of my race, obviously. So I do get quite lonely. And..." His voice trails off as he notices her look of nervousness as he carefully approaches her and wraps his arms about her in a gentle hug.

"Please... I just need is to "make love" and endure climax after climax," he ribbits in a a rather gentle manner. He was fighting at the lust flowing through him. He just wanted to thrust himself into this girl with lust-filled abandon. But he kept some form of control over those rather pressing urges.

It was certainly a bizarre situation to be in. She would have felt sorry for the frog who was now hugging her, had he not told her it was because he needed to "make love". She felt his shaft pressing into her front, nudging into his breasts.. hey... was that his face nestled in her breasts too?!

She wasn't sure what to say.. "Umm.. what happens if you don't.. ahh.. make love..? Do you have to do it to stay alive..?

Riko wasn't sure whether to push him back or not. He certainly was very huge in stature and she certainly wouldn't stand a chance in a struggle with him.

"Well, I won't die if I don't. But I'll become desperate that I'll start seeking someone out to, well, rape. Because it's a rather desperate situation for me. Being one of the last, well... I can only find human females. And they seem to be efficient enough to help me achieve what I desire," he croaks out gently as he gently pats over her breasts with one of his webbed hands as he gazes at her face.

When she peers down into his eyes... it was almost saddening as there was a hint of "need" in his yellow eyes. And he was making a rather cute "puppy dog" face as if begging for some way to comfort the pressing urges. Even though his hard, throbbing cock was brushing against her form.

He blushes again as he gently flicks his tongue out. It soars through the air and connects with her cheek in a rather obvious frog-like kiss as he smiles to her gently. Then he croaks, "I won't hurt you, but if you try to resist. Then you might get hurt in the process. It's really your choice. Take it or leave it, Miss Riko. But I can assure you... you will experience pleasure beyond your wildest dreams. And no human male would ever give you pleasure like I can possibly do so."

Riko blushed, confused and anxious.

"You're going to...? But Mr Frog-san... you're so big..."

She took the chance to touch a trembling finger to the side of his enormous cock. How on earth did he manage to fit that inside a human woman?

Riko realised she was about to be raped if she didn't comply with the creature... this thought worried her a little. But if she didn't, it may seek out and rape some other poor unsuspecting student.

With a gulp, she said in a shaky voice, "O-okay... I'll do it.. um.. as long as it means someone else won't be made to.."

Her lip trembled, as she continued to tread water, unsure how to feel or what to do. She was hardly the most experience person when it came to issues of a sexual nature..

He croaks happily, "Oh, thank you! I promise you won't regret your decision, Miss Riko. I think what I'll do first is make you feel really good first. I don't want to make it just seem like I'm strictly after my own pleasure. Oh no... that'd be very inconsiderate of me."

He then flicks his tongue out as it brushes up against one of her breasts confined in her bathing suit. His other hand gently fondled over the other one in a rather playful carress. And then he emits a pleased ribbit as he asks, "Well... I think your garment may prove to cause me some difficulty to help make you feel abit of pleasure. Why not just strip out of it and I can continue to help you out... before we proceed to do anything further...?"

Surprisingly he was being rather considerate as his tone was gentle, caring, and very gentleman-like. Even for a 'horny toad'... he obviously knew how to be a gentleman and think of others before himself.

Riko was surprised at how he was paying so much attention to her. Was he not desperate to defile her?

She shuddered guiltily as his tongue ran over her erect nipple and proceeded, slow and unsurely, to unfasten the back of her bikini top, letting the fabric leave her breasts, the halterneck string still hanging from her neck.

She wasn't sure what to do with her hands and continued to use them to keep herself afloat. Sure, she could swim okay, but she wasn't too sure how long she'd be able to hold out doing this before she got tired.

He notices the girl's distress as he motions for her to maneuver herself to the more shallow area of the pool. Perhaps even the little stairway which she could remain surfaced and seated would be a better alternative so she might be able to get comfortable. Then he croaks, "How about we move over this way? It'd probably be a good idea as I want to make sure you feel very good."

Soon she felt his tongue lasso about her wrist, twining about it about two to three times as he leads her over to the steps which entered the pool. And then he nods, motioning for her to take a rest here. He then swims over to take a position on one of the steps as he retracts his tongue back.

He gazes over the girl's form again as his gaze lingers abit too long over her bountiful mounds adorning her chest. And he occasionally made glances between her legs which remained submerged. But with his keen vision and his adeptness at being able to live in the water... he could see her crotch and groin quite clearly.

Riko sat there, uneasy, shyed and embarrassed by Kawazu's lusting looks. She kept her hands up by her mouth as if in some natural act of defense. Her slightly open legs revealed the little bump underneath her bikini bottoms and when she realised this, she closed them, blushing.

She wasn't sure what to do, how to sit, what the toad would first ask of her, so she anxiously awaited instructions, quietened with the anticipation.