T stands for total depravity . This does not mean that all persons are as bad as they could possibly be. It means rather that all human beings are affected by sin in every area of thought and conduct so that nothing that comes out of anyone apart from the regenerating grace of God can please God. As far as our relationships to God are concerned, we are all so ruined by sin that no one can properly understand either God or God's ways. Nor do we seek God, unless He is first at work within us to lead us to do so.
U stands for unconditional election .
If sinners are as helpless in their depravity as the Bible says they are, unable to know and unwilling to seek God, then the only way they could possibly be saved is for God to take the initiative to change and save them. This is what election means. It is God choosing to save those, who apart from His sovereign choice and subsequent action, certainly would perish. L stands for limited atonement . The name is potentially misleading, for it seems to suggest that reformed people want to somehow restrict the value of Christ's death.