It’s a quarter to 10 (Official clock system).

09:45

It’s a quarter to 10.

Correct answer

10:15

It’s a quarter past 10.

Error: mirror minute hand about the vertical axis

09:51

It’s 9 to 10.

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

09:00

It’s 9 o’clock.

Error: read as full hours