The Sex Monster (1999)

The opening and ending has suggestive dancing by women in provocative clothing. Two women are seen kissing passionately.

A man and woman are having sex on a bed. The act is not shown, only the bounding of the bed and noises/moaning.

A woman is topless in a pool. She plays with a man and woman. Her breasts are seen, but underwater, so light refraction means it isn't a very good view.

The three are on a bed having sex (also not seen, just heard and bed bounding).