One day, Mary skips the church club and goes to the Armory. She becomes a groupie for a band called Toad-O ("Crew Slut"). Eventually, Mary, unable to keep up with the band's laundry, is dumped in Miami. With no money to get home, she signs up for the local Wet T-Shirt Contest at the Brasserie, hosted by Father Riley (who has since changed his name to Buddy Jones) ("Wet T-Shirt Nite"). Mary wins first place in the contest and wins fifty bucks, enough money to go home. However, Warren, a former member of Joe's Garage Band, finds out about Mary's "naughty exploits" and sends a letter to Joe telling him about it ("Toad-O Line"). Joe, heartbroken, "falls in with a fast crowd" and gets seduced by Lucille, a girl who works at the Jack in the Box, and has sex with her, only to catch gonorrhea ("Why Does It Hurt When I Pee?"). Discouraged, he sings about Lucille and his feelings for her ("Lucille Has Messed My Mind Up").
