My first time, doctor walks in, sits down and says "Hi, I'm Dr. Kitty!"
She was a sweet old lady lol. She talked me through it, basically saying why she did each part of the exam. The speculum feels weird, but not painful if you relax. You'll just feel pressure. Oh, and relaxation is easier if you pee before you go in!
One last thing: through my parents insurance, if we send in proof of the exam, they send me $75. Might want to check into that!