15.1 SOME of the elect are not converted until well on in life, having continued in the state in which they were born, and having followed after all kinds of evil cravings and pleasures. Then God's effectual call reaches them and He gives them repentance leading on to life eternal. Titus 3:2-5.
15.2 There is not a man on earth who does good and is without sin; and the best of men, through the power and deceitfulness of their indwelling corruptions and the strength of temptation, may commit great sins hateful to God. Because of this, in the covenant of grace* God has mercifully made provision that believers who so sin and fall shall be restored, through repentance, to salvation. Eccles. 7:20; Luke 22:31,32. [*Pastor’s note: The “covenant of grace” is a theological idea with slight biblical support. We could simply substitute “in His abundant grace.”]
15.3 The repentance that leads on to salvation is a gospel grace by means of which a person who is caused by the Holy Spirit to feel the manifold evils of sin is also caused by faith in Christ to humble himself on account of sin. This humiliation is characterized by godly sorrow, a detestation of the sin, and self-loathing. It is accompanied by prayer for pardon and strength of grace, and also by a purpose and endeavor, in the power supplied by the Spirit, to conduct himself in the sight of God with the consistency of life that pleases Him. Ps. 119:6,128; Ezek. 36:31; Zech. 12:10; Acts 11:18; 2 Cor. 7:11.