Fixed schema validation errors
Seperated ElectronicAddress from PhysicalAddress

Added AgencyUserPrivilegeType with fictional scheme (could not find any for that purpose)
new scheme: http://www.niso.org/ncip/v1_0/imp1/schemes/agencyuserprivilegetype/agencyuserprivilegetype.scm

Added AgencyId to userPrivilege (needed by schema) - default value there