identify which fund transfer process each scenario best represents. Scenario Direct Transfer Indirect Transfer through an Investment Banking House Indirect Transfer through a Financial Intermediary Two years ago, Dmitri started a new business. Now he needs additional capital to finance additional growth and is meeting with a group of angel investors. If they decide to make the loan, they will do so without the use of a middleman or other intermediary. Edinborough Exports, Inc. would like to borrow additional debt capital. The company has hired a firm to assist in the sale of a new issue of 10-year bonds. Seattle Seafood Company holds cash balances in an institution that, in turn, loans out the funds to other individuals and companies. True or False: The existence of financial middlemen and financial intermediaries increases the efficiency of the financial markets. True False