It’s 22 to 10 (Official clock system).

09:38

It’s 22 to 10.

Correct answer

09:37

It’s 23 to 10.

Error: 1 minute earlier

08:50

It’s 10 to 9.

Error: read minutes starting from hour markings and adding minutes

08:45

It’s a quarter to 9.

Error: confuse hour and minute hands