1. Pani (pronounced "pa-nee"): This is the most common and respectful form of address for a woman, equivalent to "Mrs." or "Ms."
2. Full name with "Pani": You can use "Pani" followed by the woman's full name, for example: "Pani Anna Nowak" (Ms. Anna Nowak).
3. Title + full name: If you know the woman's profession or title, you can use that. For example: "Pani Doktor Nowak" (Doctor Nowak).
4. Informal Address: If you are in a very informal setting, you can use "pani" followed by the woman's first name. For example: "Pani Anna" (Anna). However, this is only appropriate in casual situations with people you know well.
Remember, it's always best to err on the side of formality in Polish, so using "Pani" is generally the safest option.