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Yep. I think they have to have their own account though.
I'm not sure.
When I did Endure, I had 2 guys who were in splitscreen together, and one was using a 48 hour Gold trial.
On second thoughts, all you have to do is get to the 5th set on heroic on LIVE 4 player Coop.
If you have 4 players and it's over live, it shouldn't matter if one is a guest.