I am in Northern Georgia 64 years old and never did this. is it a good idea to tell this when calling

due to your references or lack thereof.  

Don't be shy.  It's ok to tell the girl that your new, have never done this, etc.  These girls have seen it all, and most of them know how to put those nerves at ease pretty quickly.

When you get to the appointment if you are nervous, just tell her that you are kind of nervous since it's your first time.

Most important thing to remember is:  HAVE FUN!!!!

make sure you get it and read the reviews.   Find a lady who is good with the older guys -  being a mature provider myself, I adore the older gents.

anyway, stick with well reviewed (good reviews at that), ladies and be ready to give them some verifiable information since you dont have any references.  If you dont want to share info, consider joining P411 or Datecheck or some other verification site that is popular in your area.

first timers are always nervous..just relax and enjoy..the jitters soon turn to joy..you will soon be addicted..at 64 you should relish every opportunity..no matter how much snow is on the roof..you have to keep stoking that furnace..

where are you located? i spent another night just looking and not doing

you are right, but I am worried about how I would perform, what I would do, and about disease

if you are really worried about all of that..maybe you should try another hobby..as a wise man once said..you have nothing to fear but fear itself..

I had heart palpitations, nervous as a bridegroom, yet managed to get through the call and make the appointment.  The first few minutes of that first appointment were also a little unnerving, but I chose wisely, and she allowed me a few minutes to relax, thus resulting in a great time for us both.  

That was over eight years ago, and I still see that wonderful lady to this day.  That aside, up to you to decide whether you wish to mention this when calling.  She'll learn this when you meet her in person, and if you meet with a quality lady, she'll be cool with it.  

One piece of advice at your age...you will do better with ladies 35 or older the first few times that you play.   This is not to say that the younger ladies aren't worth seeing, but you might wish to establish yourself and develop a comfort level with yourself as a hobbyist before you branch out into areas beyond your comfort zone as it exists now.

Best of luck!

I am in Ohio but do a little travelling.  PM me if you are serious and we can discuss further.