$SessionCode;
$istest = 0;
$BINID = 7;
$BINIDtest = 7;
$BINIDlive = 81;
$PANHash = '';
$WalletNumber = '';
$PartialPAN = 'PERSONALIZE';
$AccountClassID = 40;
$_soap_data = "";
$BINID = $BINIDtest;
$cardDetails = array('BINID' => $BINID, 'PartialPAN' => $PartialPAN);
$soapClient = new SoapClient($url, array('trace' => 1));
$ap_param = array('UserName' => $UserName, 'UserPassword' => $psw);
// Call RemoteFunction ()
$Sessioninfo = $soapClient->GetUserSession($ap_param);
echo "<br> GetUserSession : <br>";
echo "<pre>";
print_r($Sessioninfo);
$SessionCode = $Sessioninfo->GetUserSessionResult->SessionCode;
//return $this->SessionCode;
echo $ResponseCode = $Sessioninfo->GetUserSessionResult->ResponseCode;
if ($ResponseCode == 0) {
    $ap_param = array('UserSession' => array('UserName' => $UserName, 'SessionCode' => $SessionCode), 'NewCardAccountID' => $cardDetails, 'AccountClassID' => $AccountClassID);
    // Call RemoteFunction ()
    $Productinfo = $soapClient->GetNewProductOptions($ap_param);
    echo "<br> GetNewProductOptions : <br>";
    echo "<pre>";
    print_r($Productinfo);
    $provinceList = $Productinfo->GetNewProductOptionsResult->StateProvinceList->StateProvince;
    echo "<br>****************Province List ********************<br>";