Modifing XSD for to use substitutionGroup

I need help changing the xsd file by using substitutionGroup or Choice, Below is the xsd file I used in my code, Now I started receiving the XML data with tag "Organization" instead of "INDIVIDUAL", except that change , all other tags were same. How I can I accommodate the change in my xsd file . I tried changing the xsd like Below ,but my xml is not getting validated against the schema.