ST 3.85.5.corpus

We may speak of penance in two ways: first, as to the habit, and then it is infused by God immediately without our operating as principal agents, but not without our co-operating dispositively by certain acts. Secondly, we may speak of penance, with regard to the acts whereby in penance we co-operate with God operating, the first principle [Cf. I-II, 113] of which acts is the operation of God in turning the heart, according to Lam. 5:21: "Convert us, O Lord, to Thee, and we shall be converted"; the second, an act of faith; the third, a movement of servile fear, whereby a man is withdrawn from sin through fear of punishment; the fourth, a movement of hope, whereby a man makes a purpose of amendment, in the hope of obtaining pardon; the fifth, a movement of charity, whereby sin is displeasing to man for its own sake and no longer for the sake of the punishment; the sixth, a movement of filial fear whereby a man, of his own accord, offers to make amends to God through fear of Him. 

ST 3.85.6.corpus

In speaking of the virtues, we do not consider the order of time with regard to the habits, because, since the virtues are connected with one another, as stated in I-II, 65, 1, they all begin at the same time to be in the soul; but one is said to precede the other in the order of nature, which order depends on the order of their acts, in so far as the act of one virtue presupposes the act of another. Accordingly, then, one must say that, even in the order of time, certain praiseworthy acts can precede the act and the habit of penance, e.g. acts of dead faith and hope, and an act of servile fear; while the act and habit of charity are, in point of time, simultaneous with the act and habit of penance, and with the habits of the other virtues. For, as was stated in I-II, 113, 7,8, in the justification of the ungodly, the movement of the free-will with respect to God, which is an act of faith quickened by charity, and the movement of the free-will with respect to sin, which is the act of penance, are simultaneous. Yet of these two acts, the former naturally precedes the latter, because the act of the virtue of penance is directed against sin, through love of God; where the first-mentioned act is the reason and cause of the second.