The girl should lie on her tummy. Start kissing her neck, go down, leaving a trail of kisses. Take some time to kiss her lower back, after that you can kiss and nibble on her ass through her panties.
For 30 seconds, kiss, caress her neck with your lips and tongue.
Kiss her on the bottom of her belly. Caress her navel with your tongue for 30 seconds.
Repeat the steps as in the image below.