Null Reference import com.ack.learning.examples.account.Account; public class NullReference { public static void main( String[] args ) { // unitialised variables String x; Account y; /** * this is an error because x is unitialised if( x == null ) { } */ // initialised variables String hsbc = null; Account account = null; // object arrays are initialised to null String[] names = new String[5]; for( int i = 0; i < names.length; i++ ) { System.out.println( names[i] ); } } }