Correct Answer: She says to me, “You are my lucky charm.”

Solution : The correct choice is the fourth option.

Direct speech directly quotes the speaker's exact words. It puts the speaker's words within quotation marks and usually involves a reporting verb indicating speech.

The steps of conversion are as follows:

• The reporting verb "tells" is changed to "says" in the direct speech.
• There would be no change in the tense of the reported clause because the reporting verb is in the present tense.
• The first-person pronoun "I" is changed to the second-person pronoun "you".
• The words of the speaker are enclosed in the inverted commas.

Therefore, the direct statement is: She says to me, “You are my lucky charm."