The two primary love scenes in this film are very erotic and sexually charged with female nudity. They are in the second half of the movie and are both somewhat lengthy. The first one has lots of lead up and is easy to skip, it occurs when Naomi Watts invites the girl into bed with her. The second scene occurs abruptly (at the 2h 1m 30s mark), right after Watts pours herself some coffee.
A woman is lying on a couch in her underwear.
A woman masturbates while crying. The camera pans down her body and you see her nipples through her sweaty tank top, and then you see her move her hand up and down in her unzipped jeans. No genitals seen, but it's very clear what she's doing. However, it is more disturbing than sexual.
A woman stands in a shower nude, but the door windows blurs her out.
Female partial frontal nudity before a lesbian intercourse
One lesbian sex scene with full nudity. More emotional than erotic.
A woman removes her towel; breasts are seen briefly.