diff --git a/code/modules/client/client_procs.dm b/code/modules/client/client_procs.dm
index 2b9aeda497f..e62fb07c9c8 100644
--- a/code/modules/client/client_procs.dm
+++ b/code/modules/client/client_procs.dm
@@ -392,7 +392,8 @@
 		to_chat(src,"<span class='boldannounce'><big>You do not have 2FA enabled. Admin verbs will be unavailable until you have enabled 2FA.</big></span>") // Very fucking obvious
 
 	// This happens asyncronously
-	karmaholder.processRefunds(mob)
+	if(karmaholder)
+		karmaholder.processRefunds(mob)
 
 
 /client/proc/is_connecting_from_localhost()