Answer:
B, Ben
Explanation:
Direct finance is a financing method in which a borrower borrows money directly from the financial market. This means that direct financing mainly does not involve any intermediary. There are some situations where a third party/intermediary involvement still counts for direct finance. but mainly, direct finance does not involve a third party. From the question, Ben is dealing directly with US saving bonds with is a part of the financial market is using direct finance. Banks, agents, etc are all intermediaries as they also contact the financial market to be able to sell securities or anything to the customer.
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