User List, if you are not good in access/jet engine, use plain text as user list (user.txt). If your server os is higher version then Windows NT, no need to install jet engine patches.
You can add user through editing user.txt/DbcStore.mdb or by interface, input user name and password, then click add button.
Email address is major used for agent connection checking. If network is disconnected or cable is unplugged, notification will send to the email address.
Standard Routing with Router Mode = Server is using the same user list as Agent Server. If you need different user lists, you must copy the complete MagicRouter folder to another location. Then start Agent Server from copied folder\mr.exe.