"Oh! Wow, New York! What is it like there? I've never been outside of this state."
When AJ started unbuttoning his shirt, Annabelle was a little frightened, and she stared at him in horror for a few seconds before realizing what he was doing. Feeling guilty for thinking that he was some sort of a pervert, she shook her head as he handed her his shirt.
"Oh, thank you, but you must be freezing! Please, keep it! I'm fine!"
In reality, she did wish she could take his shirt, but she didn't want to make him freeze just so she could be a little bit more comfortable.