TYPE T_REF_CURSOR is REF CURSOR is defined in the package.

FUNCTION TEST_A1 RETURN banner_data.t_ref_CURSOR is

c_cursor banner_data.t_ref_CURSOR;

begin
 OPEN c_cursor FOR 'select sysdate, 1,2,3 from dual';
 return( c_cursor );
end test_a1;

banner_data_cursor  BANNER_DATA.T_REF_CURSOR;
a		    DATE;
c1		    NUMBER;
c2		    NUMBER;
c3		    NUMBER;

BEGIN

IF (banner_data_cursor%ISOPEN) THEN
  CLOSE banner_data_cursor;	
END IF;

banner_data_cursor := TEST_A1;
LOOP
  FETCH banner_data_cursor INTO a,c1,c2,c3;
  IF (banner_data_cursor%NOTFOUND) THEN
	EXIT;
  END IF;
END LOOP;
CLOSE banner_data_cursor;

banner_data_cursor BANNER_DATA.T_REF_CURSOR;
v_banner_data_cursor  banner_data_cursor%rowtype;
BEGIN
  IF (Banner_Data_CurSor%ISOPEN) THEN
    CLOSE Banner_Data_CurSor;
  END IF;
  
  Banner_Data_CurSor := Test_a1;
  
  LOOP
    FETCH Banner_Data_CurSor INTO v_Banner_Data_CurSor;
    
    IF (Banner_Data_CurSor%NOTFOUND) THEN
      EXIT;
    END IF;
  END LOOP;
  
  CLOSE Banner_Data_CurSor;
END;