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<PAGE>
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. 333-34998 for Hartford Life and Annuity
Insurance Company Separate Account Three on Form N-4.
Hartford, Connecticut /s/ Arthur Andersen LLP
July 5, 2000
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