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I've seen nearly identical wording at multiple clubs, and I'd bet my membership that your interpretation is correct.
e.g. I can take Sam three times a year, Janet three times a year, Josephine three times a year, Eustice three times a year, but I can't take any of them four times a year.
The other club I'm a member of has a spouse/child exception, so I could take my daughter or wife as many times as I wanted, but they'd still be my guest and would have to follow all the guest rules. I thought MRA had a similar rule, but it's never come up for me so I've never confirmed it.
this is correct as far as I know