Document:

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                              OFFICER'S CERTIFICATE

         I do hereby certify and represent that:

         1. I am the duly elected Secretary of deCODE genetics, Inc., a Delaware
corporation.

         2. Pursuant to Rule 306(a) of Regulation S-T, the following exhibit
10.43 to deCODE genetics, Inc.'s Annual Report on Form 10-K is a fair and
accurate English translation of a document prepared in the Icelandic language.

         IN WITNESS WHEREOF, I have signed this Officer's Certificate in my
capacity as Secretary of deCODE genetics, Inc. on this 21 day of March, 2002.

                                  By:        /s/ Tanya Zharov
                                             -----------------------------------
                                  Name:      Tanya Zharov
                                  Title:     Secretary and Corporate Counsel
<PAGE>
                                                                   Exhibit 10.43

[NOTE: CERTAIN PORTIONS OF THIS DOCUMENT HAVE BEEN MARKED TO INDICATE THAT
CONFIDENTIAL TREATMENT HAS BEEN REQUESTED FOR THIS CONFIDENTIAL INFORMATION.
THESE PORTIONS HAVE BEEN MARKED WITH THE CLAUSE "CONFIDENTIAL TREATMENT
REQUESTED" AND/OR TWO ASTERISKS ENCLOSED IN BRACKETS (i.e., [**]). THE
CONFIDENTIAL PORTIONS HAVE BEEN OMITTED AND FILED SEPARATELY WITH THE SECURITIES
AND EXCHANGE COMMISSION.]

                                                                    ISLANDSBANKI

                                  CONFIDENTIAL.

The signatories hereto, Islandsbanki FBA hf. (ISB), State Reg. No. 491298-2439,
Kirkjusandur, 155 Reykjavik, on the one hand, and Islensk erfoagreining ehf.
(BUYER), State Reg. No. 691295-3549, Lynghals 1, 110 Reykjavik, enter into the
following:

                   AGREEMENT ON THE SALE AND LISTING OF BONDS
                           ISSUED BY STURLUGATA 8 EHF.

1. THE UNDERTAKING

      The BUYER entrusts to ISB and ISB undertakes to sell and to list on the
      Iceland Stock Exchange bonds to be issued for the purpose of financing the
      construction of buildings at Sturlugata 8, Reykjavik, which will house the
      new headquarters of the BUYER, in accordance with the terms of attached
      document No. 1 to this Agreement, which is the approved offer of ISB and
      the BUYER, dated 26 November 2001 (the OFFER). This Agreement further
      defines Section A of the offer, i.e. the sale and listing of bonds in the
      amount of up to ISK 1,800 million, issued by the BUYER or a subsidiary of
      the BUYER. The total amount of the bonds pursuant to this issue is ISK
      1,400 million, nominal value.

The bonds will only be sold to professional investors in units of at least ISK 5
million and ISB will not, therefore, conduct due diligence in respect of the
BUYER, the bonds or other data relating to the issue.

ISB guarantees the sale of all the bonds at a yield of 8.5% and undertakes to
buy for its own account the remaining bonds to make up the difference and bring
the nominal value of the sold bonds to ISK 1,400 million and to pay to the BUYER
the selling price of the sold bonds no later than 31 January 2002, provided that
there are no reservations under Article 6 to preclude payment, nor any dispute
on the conditions or sale of the bonds between ISB and the BUYER or as regards
the purchasers of the bonds.

2. FEES AND CONTRACT PAYMENT

      2.1   Underwriting fee

            The BUYER shall pay to ISB a fixed fee of [CONFIDENTIAL TREATMENT
            REQUESTED] for the underwriting service. This fee is non-refundable.

      2.2   Commission
<PAGE>

      The BUYER shall pay ISB a commission amounting to [CONFIDENTIAL TREATMENT
      REQUESTED] on:

      a)    the discounted principal of the bonds, in accordance with their
            terms, in the event that the underwriting falls due prior to the
            date of issue of the bonds;

      b)    the principal of the bonds in the event that the underwriting falls
            due on the date of issue of the bonds; or

      c)    the restated principal of the bonds, in accordance with their terms,
            in the event that the underwriting falls due after the date of
            issue.

3. DILIGENCE AND LIABILITY

      ISB relies entirely on information provided by the BUYER as well as
      information regarded as public. ISB does not guarantee that the
      information is exhaustive.

ISB is not responsible for any losses, direct or indirect, that the BUYER,
investors or others may incur as a result of decisions made on the basis of this
Agreement or investments in the bonds, unless the losses may be directly
attributed to intent or gross negligence on the part of an employee of ISB.

4. CONFIDENTIAL INFORMATION

      The BUYER will provide ISB with all necessary information in the
      possession of the company, as well as any other information that may
      facilitate the furtherance of the undertaking in accordance with this
      Agreement. For this reason, the parties to the Agreement undertake to
      handle such information in the strictest confidentiality. This entails:

a)    Not to exploit the information in any way except to the extent necessary
      to attain the aims of this Agreement

b)    Not delivering such information to a third party, except with the approval
      of the other party, and the parties thus receiving information shall
      undertake to be subject to the provisions of this agreement as regards
      confidentiality.

c)    Not reproducing in any manner material received by the parties to the
      Agreement, such as by photocopying, recording, scanning or other means.

Material containing confidential information shall be returned on the request of
the party that delivered them. The term "confidential information" does not
cover information that is publicly available or will become public otherwise
than by a violation of this Agreement. The same applies to information provided
in a lawful manner from parties other than the BUYER.

In the event that either party to the Agreement violates the substance of this
provision the general rules of the law of tort shall apply to any financial
losses incurred by the parties as a result. In other respects, confidential
information shall be subject to Chapter V of Act No. 13/1996 on Securities
Transactions.
<PAGE>

5. COMMUNICATION WITH THE PRESS

The parties to the Agreement shall not issue statements on the substance or the
progress of the undertaking to the press without the approval of the other
party.

6. RESERVATIONS

The commitment of ISB to underwriting and delivery of payments pursuant to this
Agreement is subject to the parties' reaching an agreement on the final
documentation, including but not restricted to: The form of the bonds,
prospectus, the making of a Loan Agreement for a USD 4 million loan (Tier B),
the final details of the first refusal option of the University of Iceland, the
making of a Site Lease Agreement, the mortgaging of the property at Sturlugata
8, Reykjavik and all the shares in the company Sturlugata 8 ehf.

7. TIME-FRAME, THE TERM OF EFFECT OF THE AGREEMENT AND TERMINATION

This Agreement is effective until its provisions have been fulfilled, but no
longer than until 31 January 2002, provided that at that point in time there are
no discussions in progress and/or agreements being made on the sale of the
bonds. No later than 15 days prior to the end of the term of the Agreement, the
parties shall review the term of effect of the Agreement and establish a new
term of effect if a consensus is reached. If, on the other hand, this Agreement
has expired pursuant to the above.

Amendments to this Agreement shall be in writing and signed by all parties to
the Agreement.

In the event that one party to the Agreement violates the provisions of this
Agreement the other party may terminate the Agreement and the party against whom
the Agreement is being terminated shall be notified of the termination in
writing.

8. VENUE

Any dispute regarding the substance of this Agreement or its performance shall
be resolved before the District Court of Reykjavik.

This Agreement is made in two identical copies, one to be held by each party to
the Agreement.

                           Reykjavik, 21 December 2001

For Islandsbanki FBA                        For Islensk erfoagreining ehf.

Erlendur Magnusson [sign.]                  Tomas Sigurosson [sign.]<PAGE>
                              OFFICER'S CERTIFICATE

         I do hereby certify and represent that:

         1. I am the duly elected Secretary of deCODE genetics, Inc., a Delaware
corporation.

         2. Pursuant to Rule 306(a) of Regulation S-T, the following exhibit
10.44 to deCODE genetics, Inc.'s Annual Report on Form 10-K is a fair and
accurate English translation of a document prepared in the Icelandic language.

         IN WITNESS WHEREOF, I have signed this Officer's Certificate in my
capacity as Secretary of deCODE genetics, Inc. on this 21 day of March, 2002.

                                  By:        /s/ Tanya Zharov
                                             -----------------------------------
                                  Name:      Tanya Zharov
                                  Title:     Secretary and Corporate Counsel
<PAGE>
                                                                   Exhibit 10.44

                                                                    Islandsbanki
                                                            ISLANDSBANKI-FBA HF.

                                  GENERAL BOND
                            with consumer price index

                                  PROPERTY LIEN

Sturlugata 8 ehf.
State Reg. No. 581201-2190
Sturlugata 8, Reykjavik

MAKES KNOWN:

AS SURETY for the prompt and full payment of all debts and financial commitments
according to 1). The Loan Agreement with Islandsbanki-FBA, dated 21 December
2001, amounting to a total of USD 4,000,000.- and 2) Bonds issued by Sturlugata
8 ehf. on 3 January 2002, class 1, 2002, amounting to a total of 1,400,000,000.-
whether the amount at stake is the principal, price-level adjustments,
translation difference, penalty interest, collection costs or costs, of whatever
kind, in aggregate

ISK 1,400,000,000.- ONE THOUSAND FOUR HUNDRED MILLION ICELANDIC KRONUR AND

USD 4,000,000.- FOUR MILLION DOLLARS

                      407,040,000.- [hand-written-transl.]

Islandsbanki-FBA is hereby pledged, for our own part and on behalf of the owners
of the above bonds, as current at any time, by second-rank mortgage with
promotion rights, the property: Sturlugata 8 in Reykjavik, and permanent number.

The amount in Icelandic kronur is linked to the consumer price index, based on
the base index rate, the base index of the bond being 218.5 points, and is
adjusted proportionally to the index, but never to a lower index than the base
index of this bond, in addition to penalty interest and all costs resulting from
collecting activities.

      The issuer/mortgagor is not aware of any other registered liens or
encumbrances on the property.

      The lien extends to the insurance amount of the mortgaged property and the
lien holder is entitled, should any insurance be paid out, to request that the
insurance company pay to him directly as much of the insurance amount as would
cover the debt secured by this lien together with all interest, penalty interest
and collecting costs. In such an event the lien holder has full authorisation to
take delivery of the insurance money and dispose of it as payment for the debts.
The mortgagor is under obligation to insure the mortgaged property and provide
the lien holder with documented evidence that the secured property is properly
insured; failing this the lien holder may, without any obligation to do so,
insure the property at the mortgagor's expense and shall thereby hold a lien on
the property for the total amount of paid-out costs for insurance as well as for
the debt itself.
<PAGE>
The property is mortgaged with all appurtenances, including subsequent
additions, cf. Articles 16-18 of Act No 75/1997 on Contractual Liens.

      The mortgagor is under obligation to ensure that all necessary safety
measures required by applicable laws and regulations, as current at any time,
are observed with respect to the mortgaged property. The mortgagor shall also
take responsibility for the maintenance of the pledged property and ensure, to
the extent possible, that it maintains its value so that the mortgage rights are
not curtailed.

      In the event of any default on the payment of instalments or interest of
the debt(s) covered by this lien or any other breach of the obligations of the
issuer/mortgagor to the lien holder, the total amount of the debt(s) may be
called in immediately and without notice and this mortgage may then be
foreclosed. The same applies if the value of the secured property is
substantially reduced, there is a change in ownership of the property without
the mortgagee's consent or if the issuer's/mortgagor's other creditors enforce
any claims against the property, or if the issuer's/mortgagor's or his
guarantor's estate securing the debt, one or more, enter into receivership or
seek composition.

      The issuer shall pay the stamp duty and registration tax for this lien.

      In the event of any dispute in respect of this lien or the debt that it
covers such dispute shall be referred to the District Court of Reykjavik.

      In witness whereof, the signatures of the issuer, the mortgagor and the
spouse of the registered owner (issuer/mortgagor) are attached hereto in the
presence of witnesses.

                                                     Reykjavik, 21 December 2001

                                  ON THE BOARD OF DIRECTORS OF STURLUGATA 8 EHF.

                                                        Tomas Sigurosson [sign.]

Witnesses to the correct date
and signature and financial
standing of issuer, mortgagor
and spouse of registered owner

Sigurgeir Guolaugsson [sign.]       290876-3709
-----------------------------------------------
Name                                   Id. No.

Alexander Kristjan Guomundsson [sign.]      111170-5259
-------------------------------------------------------
Name                                          Id. No.

Hereby in agreement with the above on behalf of Islandsbanki-FBA hf.

NB: Note on the Deed of Conveyance of the right of first refusal of the
University of Iceland Registered 28 Dec. 2001

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