JPanel Array -- NullPointerException

I am new to Java, learning GUI. I am trying to create a TabbedPane
with 10 tabs, by using array of JPanel. However, JPanel arrays are
always null. I do not understand why they are null when they are
arrays but not otherwise. I would appreciate explanation and help on
this code. Thanks

     public static void main(String[] args) {
        JTabbedPane tab = new JTabbedPane();

        int i;
        JTextField[] text = new JTextField[10]; //
textfield to add to each panel
        JPanel [] panel = new JPanel[10]; //array
of panel

        //name of each tab
        String [] name = {"One",
"Two","Three","Four","Five","Six","Seven","Eight","Nine","Ten"};

        for (i=1;i<10;i++) {
              panel[i].add(text[i]); //
NullPointerException here
              tab.addTab(name[i],panel[i]);
        }

        System.out.println(tab);
        JFrame frame = new JFrame("Testing");
        frame.add(tab);
        frame.setSize(500,500);
        frame.setVisible(true);
    }