Here is what you have to do:

1: URL is where you put the URL or addy of whatever you want to save to your files....

2: The FTP Host is the name of the Server you have your site with (example: ftp.tripod.com, ftp.geocities.com, and so on)

3: The FTP Dir is the subdirectory of file where you want to store the Image (example: backgrounds, images, music, gifs, and so on)

4: Rename file if you wish, make sure you end the new name with jpg or gif or whatever ....

5: Username is the name you signed up with on the Server where your site is ......

6: Finally is your password

7: Now Click Transload and your done......