win2k help file
"Ftp: user
Specifies a user to the remote computer.
user user-name [password] [account]
Parameters
user-name
Specifies a user name with which to log on to the remote computer.
password
Specifies the password for user-name. If not specified, but required, ftp prompts for the password.
account
Specifies an account with which to log on to the remote computer. If account is not specified, but required, ftp prompts for the account."