Resourcebundle and a property file in /etc directory

I have a property file in the /etc directory ...

I want to load that property file, so I made a custom ClassLoader class

=>

package ntc.paim.web;

import java.io.File;
import java.net.MalformedURLException;
import java.net.URL;

public class CustomClassLoader extends ClassLoader {
    protected URL findResource ( String name ) {
        File f = new File(name);
        try {
            return f.toURL();
        }
        catch (MalformedURLException meu) {

        }
        return super.findResource(name);
    }
}

When I want to load the bundle:

        try {
            settings =
ResourceBundle.getBundle("/etc/paim/settings.properties", new
Locale("BE"), new CustomClassLoader());
            driver = settings.getString("DRIVER");
            url = settings.getString("URL");
            user = settings.getString("USER");
            password = settings.getString("PASSWORD");
        }
        catch(Exception e)
        {
....

But I get a MissingResourceBundle exception ... What am I doing wrong?