Fallen Humankind - People, by nature, are dead in sin and therefore completely unable to save themselves from sin and its consequences.
Adopted by God - In love, God has chosen some people to be members of his family.
Intentional Atonement - Jesus died to save his people from their sins.
Transformed by the Holy Spirit - The Spirit regenerates those who are chosen by God, giving them faith in Jesus.
Held by God - Believers are held safe in God's hands for all eternity.
(The Acronym FAITH comes from: FAITH unfolded, A FRESH LOOK AT THE REFORMED FAITH, JIM OSTERHOUSE, CRC Publications, Grand Rapids, Michigan, 2000. Available @ http://www.faithaliveresources.org/ )