As the previous poster suggested, if you want to scroll text within a frame and not the entire window, use the two-finger iPad scroll 'gesture'. I find it easier to use my first and second finger and lightly touch the text in the frame and move my two fingers together either up or down depending upon which was I want to scroll.
It takes a bit of practice to 'get it right' and I sometimes end up doing something I didn't really want to - like zooming the page. But, after a while, you'll find it becomes second-nature.
Tim
Scotland