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The other way to specify a path to an SSL client certificate and an optional passphrase is the the Subversion servers file that is located in the default Subversion configuration directory.
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In this case, no additional settings are required in the [auth "default"] section of the SubGit configuration file. SubGit refers to the servers file for an SSL certificate to log in to a Subversion repository.
If a web server that hosts a Subversion repository along with an SSL client certificate requires a username and a password for authentication, SubGit refers to the servers configuration file for an SSL certificate and uses the Subversion credentials cache to log in to a Subversion repository. To specify the settings that fetch the Subversion credentials cache, see the Using the Subversion credentials cache section.