It’s 14 to 5 (Official clock system).

04:46

It’s 14 to 5.

Correct answer

04:45

It’s a quarter to 5.

Error: 1 minute earlier

03:50

It’s 10 to 4.

Error: read minutes starting from hour markings and adding minutes

09:20

It’s 20 past 9.

Error: confuse hour and minute hands