diff --git a/bundles/org.eclipse.osgi.tests/src/org/eclipse/osgi/tests/bundles/ClassLoadingBundleTests.java b/bundles/org.eclipse.osgi.tests/src/org/eclipse/osgi/tests/bundles/ClassLoadingBundleTests.java
index f279c8c..516f80c 100644
--- a/bundles/org.eclipse.osgi.tests/src/org/eclipse/osgi/tests/bundles/ClassLoadingBundleTests.java
+++ b/bundles/org.eclipse.osgi.tests/src/org/eclipse/osgi/tests/bundles/ClassLoadingBundleTests.java
@@ -14,6 +14,7 @@
 package org.eclipse.osgi.tests.bundles;
 
 import java.io.BufferedReader;
+import java.io.ByteArrayOutputStream;
 import java.io.File;
 import java.io.FileInputStream;
 import java.io.IOException;
@@ -39,6 +40,8 @@
 import java.util.concurrent.LinkedBlockingQueue;
 import java.util.concurrent.TimeUnit;
 import java.util.concurrent.atomic.AtomicBoolean;
+import java.util.jar.JarEntry;
+import java.util.jar.JarOutputStream;
 import junit.framework.AssertionFailedError;
 import junit.framework.Test;
 import junit.framework.TestSuite;
@@ -2454,6 +2457,80 @@
 		assertNull("Found more events.", events.poll(1, TimeUnit.SECONDS));
 	}
 
+	public void testBug565522FragmentClasspath() throws IOException, BundleException {
+		ByteArrayOutputStream libResourceJarBytes1 = new ByteArrayOutputStream();
+		try (JarOutputStream libResourceJar = new JarOutputStream(libResourceJarBytes1)) {
+			libResourceJar.putNextEntry(new JarEntry("META-INF/"));
+			libResourceJar.closeEntry();
+			libResourceJar.putNextEntry(new JarEntry("META-INF/services/"));
+			libResourceJar.closeEntry();
+			libResourceJar.putNextEntry(new JarEntry("META-INF/services/some.bundle.Factory"));
+			libResourceJar.write("testFactory1".getBytes());
+			libResourceJar.closeEntry();
+		}
+		ByteArrayOutputStream libResourceJarBytes2 = new ByteArrayOutputStream();
+		try (JarOutputStream libResourceJar = new JarOutputStream(libResourceJarBytes2)) {
+			libResourceJar.putNextEntry(new JarEntry("META-INF/"));
+			libResourceJar.closeEntry();
+			libResourceJar.putNextEntry(new JarEntry("META-INF/services/"));
+			libResourceJar.closeEntry();
+			libResourceJar.putNextEntry(new JarEntry("META-INF/services/some.bundle.Factory"));
+			libResourceJar.write("testFactory2".getBytes());
+			libResourceJar.closeEntry();
+		}
+
+		File outputDir = OSGiTestsActivator.getContext().getDataFile(getName()); // $NON-NLS-1$
+		outputDir.mkdirs();
+
+		Map<String, String> hostHeaders = new HashMap<>();
+		hostHeaders.put(Constants.BUNDLE_MANIFESTVERSION, "2");
+		hostHeaders.put(Constants.BUNDLE_SYMBOLICNAME, "host");
+		hostHeaders.put(Constants.BUNDLE_CLASSPATH, "., lib/resource.jar");
+		Map<String, byte[]> hostEntries = new HashMap<>();
+		hostEntries.put("lib/", null);
+		hostEntries.put("lib/resource.jar", libResourceJarBytes1.toByteArray());
+		File hostFile = SystemBundleTests.createBundleWithBytes(outputDir, "host", hostHeaders, hostEntries);
+
+		Map<String, String> fragHeaders = new HashMap<>();
+		fragHeaders.put(Constants.BUNDLE_MANIFESTVERSION, "2");
+		fragHeaders.put(Constants.BUNDLE_SYMBOLICNAME, "fragment");
+		fragHeaders.put(Constants.BUNDLE_CLASSPATH, "., lib/resource.jar");
+		fragHeaders.put(Constants.FRAGMENT_HOST, "host");
+		Map<String, byte[]> fragEntries = new HashMap<>();
+		fragEntries.put("lib/", null);
+		fragEntries.put("lib/resource.jar", libResourceJarBytes2.toByteArray());
+		File fragFile = SystemBundleTests.createBundleWithBytes(outputDir, "frag", fragHeaders, fragEntries);
+
+		Bundle host = null, frag = null;
+		try {
+			host = getContext().installBundle(hostFile.toURI().toASCIIString());
+			frag = getContext().installBundle(fragFile.toURI().toASCIIString());
+			host.start();
+			Enumeration<URL> eResources = host.getResources("META-INF/services/some.bundle.Factory");
+			assertNotNull("No resources found.", eResources);
+			List<URL> resources = new ArrayList<>();
+			while (eResources.hasMoreElements()) {
+				resources.add(eResources.nextElement());
+			}
+			assertEquals("Wrong number of resources.", 2, resources.size());
+			assertEquals("Wrong content for resource 1", "testFactory1", readURL(resources.get(0)));
+			assertEquals("Wrong content for resource 2", "testFactory2", readURL(resources.get(1)));
+
+			// round trip the URLs
+			URL copyURL1 = new URL(resources.get(0).toExternalForm());
+			URL copyURL2 = new URL(resources.get(1).toExternalForm());
+			assertEquals("Wrong content for url copy 1", "testFactory1", readURL(copyURL1));
+			assertEquals("Wrong content for url copy 2", "testFactory2", readURL(copyURL2));
+		} finally {
+			if (host != null) {
+				host.uninstall();
+			}
+			if (frag != null) {
+				frag.uninstall();
+			}
+		}
+	}
+
 	void refreshBundles(Collection<Bundle> bundles) throws InterruptedException {
 		final CountDownLatch refreshSignal = new CountDownLatch(1);
 		getContext().getBundle(Constants.SYSTEM_BUNDLE_LOCATION).adapt(FrameworkWiring.class).refreshBundles(bundles, new FrameworkListener() {
diff --git a/bundles/org.eclipse.osgi.tests/src/org/eclipse/osgi/tests/bundles/SystemBundleTests.java b/bundles/org.eclipse.osgi.tests/src/org/eclipse/osgi/tests/bundles/SystemBundleTests.java
index 018a040..b0e9ab9 100755
--- a/bundles/org.eclipse.osgi.tests/src/org/eclipse/osgi/tests/bundles/SystemBundleTests.java
+++ b/bundles/org.eclipse.osgi.tests/src/org/eclipse/osgi/tests/bundles/SystemBundleTests.java
@@ -2442,6 +2442,32 @@
 		return file;
 	}
 
+	public static File createBundleWithBytes(File outputDir, String bundleName, Map<String, String> headers,
+			Map<String, byte[]>... entries) throws IOException {
+		Manifest m = new Manifest();
+		Attributes attributes = m.getMainAttributes();
+		attributes.putValue("Manifest-Version", "1.0");
+		for (Map.Entry<String, String> entry : headers.entrySet()) {
+			attributes.putValue(entry.getKey(), entry.getValue());
+		}
+		File file = new File(outputDir, "bundle" + bundleName + ".jar"); //$NON-NLS-1$ //$NON-NLS-2$
+		JarOutputStream jos = new JarOutputStream(new FileOutputStream(file), m);
+		if (entries != null) {
+			for (Map<String, byte[]> entryMap : entries) {
+				for (Map.Entry<String, byte[]> entry : entryMap.entrySet()) {
+					jos.putNextEntry(new JarEntry(entry.getKey()));
+					if (entry.getValue() != null) {
+						jos.write(entry.getValue());
+					}
+					jos.closeEntry();
+				}
+			}
+		}
+		jos.flush();
+		jos.close();
+		return file;
+	}
+
 	public void testBug405919() throws Exception {
 		File config = OSGiTestsActivator.getContext().getDataFile(getName());
 		config.mkdirs();
diff --git a/bundles/org.eclipse.osgi/container/src/org/eclipse/osgi/internal/loader/classpath/ClasspathManager.java b/bundles/org.eclipse.osgi/container/src/org/eclipse/osgi/internal/loader/classpath/ClasspathManager.java
index fa24f45..ec13c90 100644
--- a/bundles/org.eclipse.osgi/container/src/org/eclipse/osgi/internal/loader/classpath/ClasspathManager.java
+++ b/bundles/org.eclipse.osgi/container/src/org/eclipse/osgi/internal/loader/classpath/ClasspathManager.java
@@ -1,5 +1,5 @@
 /*******************************************************************************
- * Copyright (c) 2005, 2017 IBM Corporation and others.
+ * Copyright (c) 2005, 2020 IBM Corporation and others.
  *
  * This program and the accompanying materials
  * are made available under the terms of the Eclipse Public License 2.0
@@ -521,17 +521,18 @@
 	}
 
 	private BundleEntry findLocalEntry(String path, ClasspathEntry[] cpEntries, int classPathIndex, int[] curIndex) {
-		BundleEntry result = null;
 		for (ClasspathEntry cpEntry : cpEntries) {
 			if (cpEntry != null) {
-				result = cpEntry.findEntry(path);
-				if (result != null && (classPathIndex == -1 || classPathIndex == curIndex[0])) {
-					return result;
+				if (classPathIndex == -1 || classPathIndex == curIndex[0]) {
+					BundleEntry result = cpEntry.findEntry(path);
+					if (result != null) {
+						return result;
+					}
 				}
 			}
 			curIndex[0]++;
 		}
-		return result;
+		return null;
 	}
 
 	/**