Exclusive: Meet the Girl Rescued by Underwear-Clad Prince Harry!

The next Kate Middleton?

Maybe, maybe not, but Lindsay Swagerty met a chivalrous Prince Harry -- wearing only his skivvies! -- by the pool at the Ivy Rooftop at the Andaz hotel Oct. 7.

PHOTOS: Harry's hottest moments

The American office assistant tells the new Us Weekly that she got thrown, fully clothed, into the pool, and the single prince, 27, came to her rescue. Having an impromptu swim in the pool with pals, Harry immediately came to sopping-wet Swagerty's aid. "He came over to wrap his towel around me," she explains.

The duo spent more time together the next night at the Ivy as well, she says. "He has a very charming personality," Swagerty tells Us. "It was so fun!"

Prince Willam's mischievous, single little brother has been partying on American turf in between intense Apache helicopter training at California's El Centrol Naval Air Facility.

PHOTOS: Who's the sexiest Brit of them all?

But any young women who cross the redhead royal's path should beware. "Harry likes a laugh and a flirt," one close source says. "He loves female attention, but it's all for the moment."

One lesser-known fact about Harry's romantic tactics? "I've rarely seen him give his phone number to any girl," a source explains of the hunk, currently on the outs with longtime love Chelsy Davy. "Them giving him numbers is another matter!"

VIDEO: How Harry and Will have grown up

Read much more about Harry's sexy, wild sojourn in America in this week's Us Weekly, out now!