You have tried to access an object that has had it's pointer declared, but hasn't yet been created.
public class TestException
{
static String bob;
public static void main(String[] args)
{
bib(); if access was here, there would be a not initialised error
}
private static void bib()
{
if(bob.equals("pie")) bob doesn't have a String yet - gives null pointer exception
System.out.println("Bob is pie!");
}
}