This might sound retarded

Just saw the post about cover letter so I am starting to write my cover letters too but I am having trouble addressing the companies

For IBD or S&T

Should I address them as: 1. JP Morgan or JP Morgan, Chase & Co 2. Citi, Citigroup or Citibank 3. Bank of America or Bank of America - Merrill Lynch 4. Goldman Sachs or Goldman, Sachs & Co

Thanks and please don't be too hard on me.. I am a newbie :-p

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