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Problem accessing instance

Hi, I have a program that I am working on it is my first one so please excuse the mess. I am having a problem. I have a MDI child that has a tabcontol on that tab control is a user defined control with various text boxes. When the user enters the first text box "First Name" it shows a form that ask if the borrower is the name to use on the form. If it is I try to pass this information to the textbox text. However, I get the error Object reference not set to an instance of an object. If you want to look at what I have it is attached. There is no password and you can link to the problem page by clicking on the Button on the main page. Simply click in the text box and select borrower. I have searched and can not seem to find anything that explains how to correct this problem.

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