Which creational pattern is suitable for the scenario?

Which creational design pattern is suitable for the given example

I am bit confused if it is Factory pattern or Builder pattern

Here is scenario: “A bank offers business accounts to contratct and permanenet employees based on the salary (amount) and designation. It is required to develop a solution in odrer to choose the value added features of an account (i.e. Gold account, Silver account) offerred to the employees. The features options that a user can choose are as follows: • Digi Vallet • Free SMS • Free Internet Banking • 10% profit on amount exceeding Rs. 500,000 • …”

Studied Patterns are: Factory, abstract factory, builder, & prototype. For me prototype is been eliminated from the options as there isn't ant cloning of object required. It says, "the bank is offering business account" so probably we should use factory. Please discuss.