Index: trunk/src/org/openstreetmap/josm/gui/io/CredentialDialog.java
===================================================================
--- trunk/src/org/openstreetmap/josm/gui/io/CredentialDialog.java	(revision 9775)
+++ trunk/src/org/openstreetmap/josm/gui/io/CredentialDialog.java	(revision 9776)
@@ -166,5 +166,5 @@
             tfUserName.addKeyListener(new TFKeyListener(owner, tfUserName, tfPassword));
             tfPassword.addKeyListener(new TFKeyListener(owner, tfPassword, tfUserName));
-            cbSaveCredentials =  new JCheckBox(owner.saveUsernameAndPasswordCheckboxText);
+            cbSaveCredentials = new JCheckBox(owner != null ? owner.saveUsernameAndPasswordCheckboxText : "");
 
             setLayout(new GridBagLayout());