Using the Inprise/Borland AppServer, is there an example of how to use "ejb-ref" references?

Look in the User Guide documentation for the appserver at the section named Resource References panel. It describes there how to setup the ref's. I found it really worth doing as well as I obtained over a 50 % performance increase for our application. Here is a piece of our DTD showing a resource reference

 <session>
      <ejb-name>...</ejb-name>
      <home>...</home>
      <remote>...</remote>
      <ejb-class>...</ejb-class>
      <session-type>...</session-type>
      <transaction-type>...</transaction-type>
      <ejb-ref>
	<ejb-ref-name>ejb/KarVPAVInventory</ejb-ref-name>
	<ejb-ref-type>Entity</ejb-ref-type>
	<home>KarVPAVInventoryHome</home>
	<remote>KarVPAVInventory</remote>
	<ejb-link>KarVPAVInventoryBean</ejb-link>
      </ejb-ref>.....