When more than one such purchase is made at the same time (or, when the bank has knowledge, on the same business day), they are combined to determine whether the rule applies.
Note also that you have to obtain different info from an individual who is not a deposit customer (you can rely on certain in-file info from a purchaser who is a deposit customer). And the purchaser for purposes of the requirement is the individual conducting the purchase, even if it's being purchased on behalf of another individual or a business.
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John S. Burnett
BankersOnline.com
Fighting for Compliance since 1976
Bankers' Threads User #8