In truth, much would depend upon how you address him in private because a Christmas card is not an official document in any way. When you are off duty do you call your CO; 'Sir', 'Dad', 'Uncle Joe', 'CPT Smith' or 'Frank'? Then address the card in the same manner, with the only change being if the card will be displayed where other soldiers might see it during official duties.
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In truth, much would depend upon how you address him in private because a Christmas card is not an official document in any way. When you are off duty do you call your CO; 'Sir', 'Dad', 'Uncle Joe', 'CPT Smith' or 'Frank'? Then address the card in the same manner, with the only change being if the card will be displayed where other soldiers might see it during official duties.
Title and full name, like Captain Joe Blow.
"tittle" will do just fine.