We make use of the information obtained from semileptonic decays of B
and D mesons, within an effective lagrangian description based on heav
y quark theory and on chiral expansion, to study the radiative decays
B --> Kgamma and B(s) --> phigamma, and the pair conversion processes
B --> Ke+e- and B --> Ke+e-. We discuss with care the required extra
polations from zero recoils. We obtain a BR (B --> Kgamma) between 1.
3 x 10(-5) and 4.1 x 10(-5) and BR (B(s) --> phigamma) between 1.4 x 1
0(-5) and 4.5 x 10(-5), with errors mainly arising from the present un
certainty in the Kobayashi-Maskawa element \V(ts)\. For the pair conve
rsion processes we study in particular the lepton effective mass distr
ibutions whose measurements would allow for an understanding of both l
ong distance and short distance contributions to such processes.