When connecting to a Remote Desktop on the client side: (in my case Windows 8.1 RD client to a Windows 10 Enterprise 1709/16299.98)
We need to enter&transfer username/password on the client first BEFORE check server's certificate.
1\If username/password is not right, RD client just reports CREDENTIAL does not work, then asks for a re-enter.
2\If username/password is right, RD client will then give a caution of warning the client for server CERTIFICATE issued by a non-trusted organization(most users case, the server itself auto-issued).
So is this correct for protecting username/password from Man-in-middle attack? Or it just uses username/password as a key for symmetric encryption?