Kramer gives Elaine an organizer that he got at the bank when he opened a new account; Jerry proudly shows off a tape recorder that he got at a different bank. In the days before bank deregulation, interest rates were administered: 0% on checking accounts, 5.25% on savings accounts. With market interest rates higher than these, there was no way for banks to compete for funds except to offer additional perks like toasters, tape recorders, and organizers.
Stringer discusses with Mr. Lucas a company's options when it is operating in a competitive market and has an inferior product. Mr. Lucas suggests acquiring competitors or dropping the price to gain market share. He warns Stringer that the latter tactic will lead to lower product credibility and mentions the example of Worldcom.