“That’s it. Now smile. Good. Look left. Perfect. Let me see a little pout.”

The shutter of Andrew’s camera clicked away in short bursts. He crouched, stood, and shifted from side to side, doing whatever he could to find new angles. Freezing his ass off on a snow-covered beach in northern Finland sure as hell wasn’t his dream gig, but the chance to work with it-girl model Lumi Numminen wasn’t something he could pass up.

“Now tilt your glasses so I can see your eyes, and flash a smile my way.”

Lumi followed along without thinking. She was still somewhat new to the business, but had done this enough times that the motions came on instinct now. Chin out, shoulder forward, lean in, then ease back again, maybe toss in a smile if she felt like it. Rinse and repeat. Half the time, the guy behind the lens had no clue what he wanted until she gave it to him, so she just cycled through her catalogue of poses regardless of what he asked for.

“Like this?”

She lowered sunglasses down her nose so her eyes peeked over the top, exaggerated it on purpose, and pulled a face.

“Not what I wanted, but I guarantee the editor’s putting that one in the promos.”

Andrew let the camera rest around his neck and blew out a warm breath that instantly formed a white cloud. He shook out his wrists, flexed his fingers inside stiff gloves, then grabbed the camera again. His hands were already half-frozen, but Lumi looked like she was born in snow.

“You ever get cold?” he asked, giving her a slow once-over.

She shrugged, the coat slipped just enough to tease. “I’m Finnish. This is nothing.”

“Does that mean you’re ready to lose the shirt?”

She turned her back and let the coat slide off as she peeled her shirt over her head in one clean pull. The cold hit, and her shoulders flinched for a second before she popped the coat back on, casually brushing some snow from it.

“Remember,” he said, trying to sound professional, “this is for Fashion Week. Be careful what you show. No nip-slips.”

Lumi yanked the coat wide open and stuck her tongue out at him.

“Christ,” he said, quickly snapping pictures, “your tits are unreal. These are going straight in my private collection.”

“Careful,” Lumi shot back. “Talk like that and I’ll have to recruit you for the Polar Bare Club.”

Andrew pulled from the camera and squinted at her. “What the fuck do you do with polar bears?”

“Not bears. Bare.” She rolled her eyes and spelled it out slowly for him. “B-A-R-E.”

He still had no idea what the hell she was on about. “Alright, what’s that supposed to mean?”

“I can’t tell you if you’re not a member.”

“So how do I become a member?”

“Easy. On days like this, you find a member and either go skinny dipping or fuck in the snow.”

Andrew snorted. “You people are out of your fucking minds.”

Lumi burst out laughing and threw her head back. Modelling could get tedious at times, but getting the photographers flustered kept it fun.

Andrew was still shaking his head when his assistant Arthur came slogging through the snow, looking miserable. His cheeks were red, and a thin crust of ice had started to cling to his mustache.

“The crew’s freezing,” he said. It came out more whine than suggestion. “We should pack it in, get back to camp.”

Andrew didn’t lower the camera and kept firing off shots. “What do you say, Lumi?”

She flashed a grin. “Fuck the camp!”

Andrew nodded. “You heard her, Arthur. Fuck the camp.”

Arthur shifted from foot to foot, steam puffing out of him. “Boss, the crew’s not built for this. The makeup’s frozen solid, and sooner or later your camera’s gonna lock up too. Nothing’s meant to work out here.”

Andrew sighed and let the camera drop against his chest. “Fine. Load everyone into the Land Rover and leave the snowmobile for us.”

“You sure?” Arthur asked.

“Go on,” Andrew said. “We’ll be fine.”

“I’ll send a search party if you’re not back in an hour,” Arthur said, leaving Andrew to wonder if he was kidding.

Lumi wrapped her arm around Andrew as the two of them stood watching the crew pile into the truck and rumble off, retreating to the warmth of camp.

“Pussies. This isn’t even sweater weather.”

Andrew laughed, rubbing his hands together for warmth. “You’re Scandinavian. Half the crew’s from London. If it drops below ten, we panic.”

“You stayed,” Lumi said, giving him a sly smile.

“I was hoping to jump in the lake and join that club you mentioned,” Andrew laughed.

“I’d’ve joined you, but it’s frozen solid.”

“Sounds like I’m shit out of luck then.”

“I mentioned another way of joining too…” she let her voice trail off.

Andrew laughed, assuming she was joking.

“So what, are you in charge of handing out membership cards?”

“Please. Cards are for gyms and grocery stores.”

Lumi tugged the coat tighter, then shrugged it off and let it drop into the snow.

“The Polar Bare Club has its own rules.”

Andrew looked at her, beginning to realize she might be serious. “And those are?”

Lumi straightened and grinned wide. “Easy. We fuck in the snow. That’s it. No paperwork, no bullshit.”

Andrew was thrown off by how casually she dropped the dirtiest thing he’d ever heard on a photoshoot. “You mean like…?”

“Right now.” She dropped to her knees on the coat, spreading it out like a blanket.

Andrew lifted the camera again, catching her topless, as her fingers pulled at the zipper of her white jeans.

“The secret to staying warm naked is sticking close enough to steal someone else’s heat.” She kicked her boots off and tugged at her jeans. “Problem is, you still lose it fast. That’s why you’ve gotta move. Rub, grind, keep the fire going. The best way is to fuck.”

The shutter cracked again. Andrew tilted the frame, shooting down on her as she peeled her pants away.

“I’m going to make a poster out of that one,” he said.

“So what’s it gonna be? You leaving me to freeze, or are you stripping down and warming me up?”

Andrew tore off his gloves and let his parka drop. He fumbled at the top buttons, then yanked his flannel over his head, shivering loud enough for her to hear. The camera still hung against his chest, swinging with every move.

“Christ, I can’t feel my fingers, but my dick’s apparently fine with this,” he said, rubbing the bulge in his pants.

“Don’t worry about the cold,” Lumi said. “My mouth’s warm. So’s my pussy. Ass too, if you want it.”

He shoved his thermal pants down, but they bunched around his boots. He froze for a second, looking helpless.

“Leave them,” Lumi said. She reached into his boxers and got her mouth around his cock. His skin was ice cold, but the heat of her lips made him forget that quickly. She started with her tongue dancing around the head, one hand twisting along his shaft, the other braced on his thigh to steady herself. Every time she sank lower, her tongue dragged along the underside, her sucks got louder and wetter. She forced herself deeper until she gagged, then yanked back with dribbles of spit on her chin.

She came off him with a pop, wiping her mouth with the back of her hand. “Mmm. Delicious, but that doesn’t count as initiation.”

She turned herself around and dropped forward onto the coat, hands in the snow, back arched.

“This is how you join the club. Hurry up before I freeze my ass off.”

She glanced over her shoulder, rocking her hips, teasing him to follow.

Andrew crouched, camera up again, lens fixed on the curve of her back and the pussy peeking between her legs. His hands shook as he fired shots he already knew he’d be jerking off to for years.

“Smile for the camera,” he said.

Lumi twisted just enough to flash him a grin over her shoulder.

He moved in close, one hand clamped on her hip, the other still steadying the camera. He pushed forward until he found wet warmth and slid inside. The cold vanished the second he buried himself, swallowed by heat rushing through them both.

His free hand slid under and cupped her breast, his thumb flicking across her nipple. She pushed back against him with enough force to grind her knees deeper into the coat and snow. Andrew still managed to take a few shaky shots.

“You better be catching my good side,” she said, laughing through a moan.

“Hold still. I’m framing your ass like it’s the Mona Lisa.”

He let the camera drop, grabbed her hips with both hands, and started thrusting into her harder.

“Oooh—that’s it. We call this the membership drive.”

The cold started to work up Andrew’s legs through his knees, but nothing was going to stop him from fucking this beauty.

“You like that?”

“I fucking love it—don’t stop!”

Lumi clenched around him. The laughter fell out of her voice, replaced by moans she wasn’t expecting. She dropped forward onto the fur and gave herself over to the pounding.

“My God,” she cried out. “I haven’t been fucked like this in… days.”

Andrew hammered faster, spurred on by her surrender. “How the fuck are you this hot in freezing snow?”

“Wait until I renew your membership,” she gasped. “I might have to bring a friend.”

That did it for him. Andrew pulled out and stroked himself fast until he shot across her back. Thick lines of cum striped her, some catching in her hair, another splattering onto the coat.

He lifted the camera and snapped. “That one’s going on my desktop background.”

Lumi flopped onto her back, legs spread wide on the coat. “Get your face down here.”

Andrew fired off another shot, catching her fingers working herself open, then dropped down and buried his head between her thighs.

Lumi spread wider, her fingers still rubbing until his tongue replaced them.

“Fuck, that’s it,” she moaned, her head rolling back on the coat. “Show me what you can do.”

He flattened his tongue and dragged one long lick through her, then pressed harder, circling her clit while sliding two fingers inside. Her hips jerked up to meet him, and he caught a little spasm against his mouth.

She grabbed a fistful of his hair and ground her pussy on his face. “Yeah—right there—don’t stop—”

Andrew sucked on her clit, while his tongue worked tight circles, and his fingers drove in faster. She gasped and kicked at the snow, as her breath came out in short, broken bursts.

“Don’t you fucking stop,” she said again, her voice fell between demanding and begging.

Andrew locked himself between her legs. His tongue didn’t let up. His free hand pinned her hip to hold her down as she bucked. Lumi’s body tightened, and every muscle pulled taut until she screamed, with her thighs clamping and shaking around his head.

She collapsed back onto the fur, her chest still heaving. A soft smile spread across her face.
“Congratulations,” she panted. “You’re in the Club.”