Ignoring the access card number issue, you won't be able to activate any additional Receivers or DVRs without paying the $5/mo fee. It's called a "mirroring fee" when you own the equipment rather than a "lease fee", but it's the same amount of money.
Sony SAT-T60 120GB (v3.5b)
HR20-700, HR20-100, HR21-200 HD DVR
HR10-250 HD DVR 400GB (v6.4a)
H21-200 HD Receiver
R10 DVR 160GB (v6.4a)