True New Testament Faith

From: Grudem's "Systematic Theology" - italics his, underline mine

"...we may now appreciate that when a person comes to trust in Christ, all three elements must be present. There must be some basic knowledge or understanding of the facts of the gospel. There must also be approval of, or agreement with, these facts. Such agreement includes a conviction that the facts spoken of the gospel are true, especially the fact that I am a sinner in need of salvation and that Christ alone has paid the penalty for my sin and offers salvation to me. It also includes an awareness that I need to trust in Christ for salvation and that he is the only way to God, and the only means provided for my salvation. This approval of the facts of the gospel will also involve a desire to be saved through Christ. But all this still does not add up to true saving faith. That comes only when I make a decision of my will to depend on, or put my trust in, Christ as my Savior. This personal decision to place my trust in Christ is something done with my heart, the central faculty of my entire being that makes commitments for me as a whole person."