I'd have to say yes. The fact that there are places for three items doesn't has nothing to do with permitting the third item. Likewise, if you're seated in the last row just ahead of a bulkhead where you may have a space behind your seat to place a bag. So now you'd have the overhead, the space under your seat, the closet, and the space behind your seat. Hmm... four potential storage areas. But you aren't allowed four items. It's still 1 carry, 1 personal.