I was 9 or 10, and I was visiting my grandma with my parents and my older sister (4 years older). Summer had just started and the weather was hot. We visited her often during the year, mostly we would spend some weekends with her, this time it was a bit longer, 3 or 4 days. She lived in the ground floor of a two-story house, and the 2nd floor belonged to a friend of hers who used it as a second residence and wasn't there most of the times we visited. There was a big outdoor garden/patio in the back of the house, surrounded by forest, so it was a very private area. It had its own swimming pool, although it was always empty. Needless to say, this was my favorite area and I used to play on a swing and kick a football (soccer for Americans) here a lot.
This time, though, we weren't alone. The son of the neighbor was spending some days there with his wife and his two kids, a girl older than me (looked 14-15) and a boy that looked around my age (I asked him later and he was one year younger than me actually). The parents were in their 40s probably, maybe late 30s. This time the pool was actually in operation and they were making good use of it.
I don't remember if it was during our 2nd or 3rd day there, but one afternoon they asked us if we wanted to use the swimming pool too. Problem was, none of us had a swimsuit there as the pool was always empty. That's too bad, they said, "but at least the boy can swim in his underwear or naked"
The next day we were leaving after lunch, and my parents and sister had gone shopping, or visiting some place, I don't remember. The fact was they would be out most of the morning. I was alone with my grandma, and the neighbors were using the pool again. She insisted again that I should go swimming and was starting to get a bit angry which surprised me because she was usually a very kind person and very good with me. I guess something clicked in my mind then, and I thought "why not?" My parents and sister weren't there, I didn't want to upset my grandma (and she had seen me naked already since she had bathed me when I was younger) and I really wanted to use the pool. It was a really hot day. So I stripped to my underwear, wrapped a towel around my waist and went to meet the strangers.
Now, my idea was to swim in my underwear, but when I arrived at the pool I realized the boy was stark naked!
I played in the pool completely naked with the other boy for about 2 hours, and I had a lot of fun actually. He was nice, we played ball and talked about school and football (Barça!). I stayed all the time in the water except when I had to get out once to retrieve the ball, but thankfully it was far from the table where my grandma and the parents of the kids were talking. I covered my butt with two hands (back then I was more afraid of people seeing my bare bottom than my penis, for some reason), and covered my front with the ball when I returned. The boy laughed at that. The girl mostly ignored me, which was a big relief. I guess she wasn't very interested in little boys' penises. Even though I was one year older than the boy we were almost the same size and height, as I was smaller than average for my age back then (I had a growth spurt when I reached puberty that compensated it). The girl probably thought I was younger than I was.
When I heard my parents were back, I got out of the pool, quickly wrapped the towel around my waist again, grabbed my underwear, politely thanked the neighbors and said goodbye. I was so embarrassed to tell the truth to my parents and sister that I said the neighbors had let me use one of their swimsuits (my underwear was dry so they knew I hadn't used it). It was stupid because my grandma knew the truth, but I don't remember if she ever told them or not
So that's basically my first and only "public" CFNM experience (not counting being nude at the beach when I was very little). It was embarrassing, but I have to admit it was exciting too. I've thought about it lots of times during my life, and I like to imagine possible scenarios like someone "accidentally" taking away my towel and underwear, leaving me exposed when I had to get out, or my sister suddenly appearing and laughing at me alongside the other girl
I hope you've enjoyed the story.