Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
No annotations are provided, so the description carries the full burden. It states 'Returns' which implies a read operation, but it does not explicitly declare it as read-only, safe, or free of side effects. It also does not disclose authentication requirements, error behavior, or any limitations. The mention of wrapping NBAPI GetCardFormats adds implementation detail but not behavioral transparency.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.