Chloe was three years my junior. She was that little annoying cousin you have who seem to always bug you. I guess she hung around my sister a lot so would always be around when we were teenagers. I think I started to realise I was attracted to her when I was 19 and she was 16. She had started to develop a fine pair of legs and her breasts were beginning to grow as evidenced by the tight t-shirts she chose to wear on summe...