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                                                            ARTHUR ANDERSEN LLP




                    CONSENT OF INDEPENDENT PUBLIC ACCOUNTANTS



As independent public accountants, we hereby consent to the use of our
reports (and to all references to our Firm) included in or made a part of
this Registration Statement File No. 333-69429 for Hartford Life and Annuity
Insurance Company Putnam Capital Manager Trust Separate Account Two on Form
N-4.

Hartford, Connecticut                                /s/ Arthur Andersen LLP
July 10, 2000



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