As far as I know, certificates are not saved by XML Format , you should combine it by yourself.
Is this what you want ?
static void Main(string[] args)
{
X509Certificate2 cer = new X509Certificate2();
cer.Import(@"D:l.cer");
X509Store store = new X509Store(StoreLocation.CurrentUser);
store.Certificates.Add(cer);
store.Open(OpenFlags.ReadOnly);
X509Certificate2Collection cers = store.Certificates.Find(X509FindType.FindBySubjectName, "My Cert's Subject Name", false);
if (cers.Count>0)
{
cer = cers[0];
};
store.Close();
}
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