It’s a quarter to 4 (Official clock system).

03:45

It’s a quarter to 4.

Correct answer

04:15

It’s a quarter past 4.

Error: mirror minute hand about the vertical axis

03:51

It’s 9 to 4.

Error: read minutes as hours with ‘past’ or ‘to’

09:45

It’s a quarter to 10.

Error: quarter to 10