Querying Multiple Tables

Okay guys, I'm new to Oracle and need a little help. I am trying to query several tables using only one REF CURSOR. So my question is, how is this possible?

The tables I am searching in are named subscriber, member_pin, and address. Here is the code I have written so far although it doesn't work too well:


OPEN output_cur FOR
SELECT
B.e_mail,
B.cert_no
FROM
( SELECT
CERT_NO
FROM
address
WHERE
STATE = search_STATE AND
CITY = search_CITY AND
ZIP_CODE = search_ZIP_CODE
) A,
OPS_ARW.MEMBER_PIN B

WHERE
A.CERT_NO = B.CERT_NO AND
B.EMAIL_PREFERENCE = search_EMAIL_PREF AND
B.SRV_EMAIL_PREFERENCE = search_SRV_PREF;

Any help that I can get is appreciated. Thanks

OPEN output_cur FOR
   SELECT
     B.e_mail,
     B.cert_no
   FROM  
      OPS_ARW.MEMBER_PIN B, 
      ADDRESS A   
   WHERE                         
     A.STATE = search_STATE AND
     A.CITY = search_CITY AND
     A.ZIP_CODE = search_ZIP_CODE AND
     B.CERT_NO = A.CERT_NO AND
     B.EMAIL_PREFERENCE = search_EMAIL_PREF AND
     B.SRV_EMAIL_PREFERENCE = search_SRV_PREF;