Sounds pretty clear...
Eligibility ? each participant must be a bona fide member of the Club he/she is competing for, except that for borrowed boats, the owner or his representative may be permitted on a boat, but may not helm the boat while racing. In addition, a non-member may be crew on a borrowed PHRF boat, but may not helm the boat while racing.
PHRF boat (borrowed boat) - Owner or owner rep permitted. Additional non-member permitted. Neither can drive.
PHRF boat (not borrowed) - No non-member permitted. All crew must be members.
J/80 or Sonar (borrowed boat - Owner or owner rep permitted. Can't drive. No additional non-member.
J/80 or Sonar (not borrowed) - No non-member aboard.
The only boat a non-member can sail on is a borrowed PHRF boat. If the PHRF boat is sailed by the owner (or his rep), no additional non-member can crew - it must be staffed by an all member crew. J/80s and Sonars don't get a non-member unless that non-member is the boat owner or their rep.
Eligibility ? each participant must be a bona fide member of the Club he/she is competing for, except that for borrowed boats, the owner or his representative may be permitted on a boat, but may not helm the boat while racing. In addition, a non-member may be crew on a borrowed PHRF boat, but may not helm the boat while racing.
PHRF boat (borrowed boat) - Owner or owner rep permitted. Additional non-member permitted. Neither can drive.
PHRF boat (not borrowed) - No non-member permitted. All crew must be members.
J/80 or Sonar (borrowed boat - Owner or owner rep permitted. Can't drive. No additional non-member.
J/80 or Sonar (not borrowed) - No non-member aboard.
The only boat a non-member can sail on is a borrowed PHRF boat. If the PHRF boat is sailed by the owner (or his rep), no additional non-member can crew - it must be staffed by an all member crew. J/80s and Sonars don't get a non-member unless that non-member is the boat owner or their rep.