def create_user_realm_stub(self, protocol, accountType, mexUrl, wstrustUrl, err=None):
        userRealm = UserRealm(cp['callContext'], '', '')

        def side_effect(callback):
            callback(err)
        userRealm.discover = mock.MagicMock(side_effect=side_effect)

        userRealm._federationProtocol = protocol
        userRealm._accountType = accountType
        userRealm._federationMetadataUrl = mexUrl
        userRealm._federationActiveAuthUrl = wstrustUrl
        return userRealm