Assuming it's the amount of minutes you can call per month: 9.48 - 4 is 5.48 5.48 ÷ 0.25 is 21 point something. Since you have to round down, 21 minutes is the Max amount of time you can call.
They have 4 different backgrounds and 5 different poses which means you just have to multiply the 4 backgrounds*the 5 different poses to discover how many different pictures you could have at the most.