Section 106.040 - Adoption by reference in instrument1. In order to adopt by reference any of the covenants, agreements, obligations, rights and remedies in NRS 106.020 or 106.025, it shall only be necessary to state in the mortgage whichever of the following is appropriate: (a) "The following covenants, Nos. ....., ..... and ..... (inserting the respective numbers) of NRS 106.020, are hereby adopted and made a part of this mortgage."(b) "The following covenants, Nos. ....., ..... and ..... (inserting the respective numbers) of NRS 106.025, are hereby adopted and made a part of this mortgage."2. In order to fix the amount of counsel fees under Covenant No. 2 of NRS 106.020 or 106.025, it shall only be necessary to state in the mortgage: "Covenant No. 2," and set out thereafter the percentage to be allowed.3. In order to fix the rate of interest under Covenant No. 3 of NRS 106.020 or 106.025, it shall only be necessary to state in the mortgage: "Covenant No. 3," and set out thereafter the rate of interest to be charged thereunder.4. A mortgage, in order to fix the amount of insurance to be carried, need not reincorporate the provisions of Covenant No. 7 of NRS 106.020 or 106.025, but may merely state the following: "Covenant No. 7," and set out thereafter the amount of insurance to be carried.[3:109:1927; NCL § 4332] + [4:109:1927; NCL § 4333]-(NRS A 1967, 126)[3:109:1927; NCL § 4332] + [4:109:1927; NCL § 4333] - (NRS A 1967, 126)