Verse 5
Not by works of righteousness which we have done; not according to our works, 2 Timothy 1:9, whether ceremonial or moral.
But according to his mercy; but from his own bowels freely yearning upon persons in misery.
He saved us; he hath put us into a state of, and given us a right to, eternal salvation.
By the washing of regeneration; washing us by regeneration, as in a laver, the pledge and sign of which is in baptism.
And renewing of the Holy Ghost; the Holy Spirit changing and renewing our natures.
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