It’s 11 to 4 (Official clock system).

03:49

It’s 11 to 4.

Correct answer

03:50

It’s 10 to 4.

Error: 1 minute later

02:51

It’s 9 to 3.

Error: read minutes starting from hour markings and adding minutes

10:15

It’s a quarter past 10.

Error: confuse hour and minute hands