Kelly is a schoolgirl in Life of Holly (Jake scenario). You will find her sitting in the classroom with other classmates in the morning.
After presenting her with a Bronze pass, she will ask you not to take her at the spot, but rather in her room at home in the 'Residential' district. If you agree, she will wait for you in front of her flat after 16:00. She will introduce you to her parents, Peggy and Al. When alone for the first time she will admit she is still a virgin.
Agreeing with her proposition at school is the only way to gain access to her flat!