ClassNotFoundException, InstantiationException {
String jdbcUrl = ServerSettings.getCredentialStoreDBURL();
String jdbcUsr = ServerSettings.getCredentialStoreDBUser();
String jdbcPass = ServerSettings.getCredentialStoreDBPassword();
String driver = ServerSettings.getCredentialStoreDBDriver();
return new CredentialReaderImpl(new DBUtil(jdbcUrl, jdbcUsr, jdbcPass,
driver));
}