Note 11 at Ac 22:16: Water baptism does not produce forgiveness of sins. This is referring to the cleansing of our consciences that comes through obeying the Lord's commands. That is what Peter spoke of in 1Pe 3:21, "The like figure whereunto even baptism doth also now save us (not the putting away of the filth of the flesh, but the answer of a good conscience toward God,) by the resurrection of Jesus Christ."