Two charities: perfect charity in the justified, imperfect charity in believing sinners
For he distinguishes charity properly so called, by which God is loved above all, from a certain imperfect charity, by which God is loved freely indeed and for his own sake, yet not above all.
In his mind the first charity is our very righteousness and can be found only in the justified, and so in those no longer stuck in sin. The second can be found even in sinners not yet freed by God's grace from the guilt of their sins. In them, through helps supplied by Christ, certain acts of faith and love are stirred up, by which sinners are disposed to receive righteousness from God and the forgiveness of their sins.
Latin
XLVIII. Distinguit enim ille inter charitatem proprie dictam, qua Deus super omnia diligitur: & inter charitatem quandam imperfectam, qua Deus gratis quidem & propter se, non tamen super omnia diligitur. Ex ejus mente, prior illa charitas est ipsa justitia nostra; nec reperiri potest, nisi in justificatis, ac proinde non amplius in peccato haerentibus. Posterior vero reperiri potest etiam in peccatoribus, necdum per Dei gratiam a peccatorum suorum reatu liberatis: in quibus per auxilia a Christo subministrata, excitantur quidam actus fidei & dilectionis, per quos peccatores ad recipiendam a Deo justitiam, & peccatorum suorum remissionem disponuntur.