Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?
The schema description already covers the bic format well (8 or 11 characters; spaces/dashes allowed), so the baseline is 3. The description goes further by explaining the semantic composition of a BIC — bank code, ISO country, location, optional branch — which helps an agent understand the input domain beyond raw format constraints.
Input schemas describe structure but not intent. Descriptions should explain non-obvious parameter relationships and valid value ranges.