JAMB - Biology (1978 - No. 24)

The feature that distinguish the toad or frog from the fish is the absence of
scales
lungs
paired appendages
a tail
skin glands

Explanation

The fish possesses scales while the frog or toad do not. Toads, like all amphibians, do not possess scales; instead, they have moist, permeable skin covered with mucous glands. 

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