CustomerPaymentApply NullReferenceException

Hello All,
I am pulling my hair out trying to figure out what stupid thing I forgot to but I am not seeing it.  I am trying to create a Customer Payment in SuiteTalk and C#.  I know I am missing a lot fo the required field and such but I seem to be missing something fundamental first.  Here is the code

                        CustomerPaymentApply[] applyTo = new CustomerPaymentApply[1];
                        applyTo[0].doc = Convert.ToInt64(intid);
                        applyTo[0].refNum = invno;
                        applyTo[0].docSpecified = true;
                        applyTo[0].apply = true;
                        applyTo[0].applySpecified = true;
                        applyTo[0].amount = 10;
                        applyTo[0].amountSpecified = true;
                        CustomerPaymentApplyList applyList = new CustomerPaymentApplyList();
                        applyList.apply = applyTo;

As soon as it tries to set any of the feilds for applyTo[0] it errors out with a NullReferenceException.   The right side of the code has a value when I look in the debugger (ie.e intid, invo) so that is not Null so I am guessing it has something to do with the applyTo  but right now I am not seeing it.