ces its effect, in virtue not only of
its form, but also of its matter; because both these together make
the one sacrament, as stated above (Q. 60, A. 6, ad 2, A. 7). Hence
in Baptism forgiveness of sin is effected, in virtue not only of the
form (but also of the matter, viz. water, albeit chiefly in virtue of
the form) [*The words in brackets are omitted in the Leonine edition]
from which the water receives its power--and, similarly, the
forgiveness of sin is the effect of Penance, chiefly by the power of
the keys, which is vested in the ministers, who furnish the formal
part of the sacrament, as stated above (Q. 84, A. 3), and secondarily
by the instrumentality of those acts of the penitent which pertain to
the virtue of penance, but only in so far as such acts are, in some
way, subordinate to the keys of the Church. Accordingly it is evident
that the forgiveness of sin is the effect of penance as a virtue, but
still more of Penance as a sacrament.

Reply Obj. 1: The effect of operating grace is the justification of
the ungodly (as stated in the Second Part, I-II, Q. 113), wherein
there is, as was there stated (AA. 1, 2, 3), not only infusion of
grace and forgiveness of sin, but also a movement of the free-will
towards God, which is an act of faith quickened by charity, and a
movement of the free-will against sin, which is the act of penance.
Yet these human acts are there as the effects of operating grace, and
are produced at the same time as the forgiveness of sin. Consequently
the forgiveness of sin does not take place without an act of the
virtue of penance, although it is the effect of operating grace.

Reply Obj. 2: In the justification of the ungodly there is not only
an act of penance, but also an act of faith, as stated above (ad 1:
I-II, Q. 113, A. 4). Wherefore the forgiveness of sin is accounted
the effect not only of the virtue of penance, but also, and that
chiefly, of faith and charity.

Reply Obj. 3: The act of the virtue of penance is subordinate to
Christ's Passion both by faith, and by its relation to the keys of
the Church; and so, in both ways, it causes the forgiveness of sin,
by the power of Christ's Passion.

To the argument advanced in the contrary sense we reply that the act
of the virtue of penance is necessary for the forgiveness of sin,
through being an inseparable effect of grace, whereby chiefly is sin
pardoned, and which produces its effect in all the sacraments.
Consequently it on