John Frame answers the question:
First, by recognizing that no matter how good you may be in your own eyes and in the eyes of other people, you are a sinful person in the eyes of a holy and righteous God (Romans 3:23). Second, by recognizing that sin against perfect holiness deserves death (Romans 6:23). Third, by recognizing that you can do nothing to prevent the eternal death that is coming to you, and by throwing yourself upon the mercy of God (Ephesians 2:8-9). Fourth, by recognizing that Jesus died in the place of his people (Mark 10:45) and that he offers eternal life to all who trust in that sacrifice (John 3:16). Fifth, by personally trusting Jesus: asking forgiveness on the basis of his shed blood and seeking to obey him as your Lord, your supreme Master. Evangelical Reunion, page 15.
