Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description alone must convey behavior. It states it returns 'current' rates and specifies 'standard/reduced', which gives some behavioral context. However, it does not disclose expected behavior for invalid or non-EU codes, error handling, or whether only one rate or both are always returned. Since the output schema exists, some of this may be covered there, but the description could add more behavioral detail.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.