A middle-aged woman with red-hair, a white shirt, and a silver beaded necklace is holding a yellow cellphone against her ear while talking.
The woman was talking on the phone.
A woman holding a yellow cellphone against her ear while talking is a description of a woman talking on the phone.
Holding a yellow cellphone against her ear while talking implies talking on the phone, and a cellphone is a type of phone.
Middle-aged woman is a woman, and cellphone is a type of phone.