Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations provided, the description carries the full burden of behavioral disclosure. While 'deposit' implies a write/mutation operation, the description doesn't address critical behavioral aspects: whether this requires specific permissions, whether it's reversible, what happens on failure, or what the expected response looks like. For a financial transaction tool with zero annotation coverage, this is a significant gap.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.