MICHAEL DAVENPORT is Vice President and Associate General Counselwith The Bank of Nova Scotia, practicing primarily in the area of RetailBanking, Insurance and Electronic Banking divisions of the Bank. Michael’spractice includes advising on all aspects of the Bank from branches toexecutive offices therefore gaining a broad spectrum of the Bank’s reaction tolegislative, litigation and compliance issues from the policy development andimplementation perspectives. Michael received a BA from Queen’s University andan LLB from Osgoode Hall in 1986.