Shell Programming and Scripting

Is there any way to include a directory name before the filename
in the ftp session? Here is the script.

Code:

DIRECTORY=`cat  directory.txt|sed '/^$/d'`

   (
    exec 4>&1
    ftp -n>&4 2>&4|&

    print -p open $host
    print -p user $user $password
    print -p binary
     for D1 in $DIRECTORY; do
         print -p cd "$D1"
         print -p ls echo "$D1,"*  #This doesn't work
     done
     print -p bye
    wait
    )>>"out.txt

directory.txt contains 2 records.
May
June

Once inside the ftp session.
The May directory includes a text file called 5.txt
The June directory includes a text file called 6.txt

How to get results inside out.txt?
May,5.txt
June,6.txt