It’s 16 to 4 (Official clock system).

03:44

It’s 16 to 4.

Correct answer

03:45

It’s a quarter to 4.

Error: 1 minute later

02:52

It’s 8 to 3.

Error: read minutes starting from hour markings and adding minutes

09:15

It’s a quarter past 9.

Error: confuse hour and minute hands