She thinks it is an "unnecessary uproar".
And even though she understands that netizens are against the concept of the advertisement and not her per se, Ms Fiona Teo feels like a victim.
The 25-year-old is the female face of a Safra ad aimed at attracting people to sign up with the Safra National Service Association's clubs.
Part of a campaign that began this year, the ad shows two men in the middle of their workout ogling at a woman behind her back.
Accompanying the scenario is a tagline which says: "A great workout, good friends and some healthy distractions".
Its tongue-in-cheek humour has failed to sit well with some netizens.
One netizen known as Faith Toh said Safra has "endorsed the objectification of women".
Another known as Cindy Ng called it "outright distasteful, completely disrespectful to women and borders on sexual harassment".
While Ms Ng acknowledged in subsequent comments that "sex sells", she explained: "Indeed, there are many adverts and media messages that use sex to sell.
"This is just one of them and it is my personal decision to call out Safra, given its position as an offshoot of the SAF (Singapore Armed Forces) that claims to be family friendly."
The "unnecessary uproar" has left Ms Teo, the female model in the ad, frustrated.
Ms Teo, who has done bikini photo shoots for FHM magazine and New Man Magazine in 2007 and 2008, told The New Paper: "I was wearing a proper gym outfit. It wasn't even skimpy. Everyone knows that guys in the gym like looking at a fit lady working out.