It’s 4 to 4 (Official clock system).

03:56

It’s 4 to 4.

Correct answer

03:55

It’s 5 to 4.

Error: 1 minute earlier

02:48

It’s 12 to 3.

Error: read minutes starting from hour markings and adding minutes

11:15

It’s a quarter past 11.

Error: confuse hour and minute hands