If you know that the class A has some way of referencing B, by some function or attribute reference, for example, you make arrow from A to B. The instance of B is NAVIGABLE from A, but probably is not an attribute of A.
If you know that an of attribute A is one or more references to B instance, you can draw not only arrow, but also the "dot" at its end.
Very often people simply use arrow in both cases. But strict use of the dot can provide additional information.