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\begin{array}{c}\phantom{\times999}204\\\underline{\times\phantom{99}1195}\\\end{array}
First line up the numbers vertically and match the places from the right like this.
\begin{array}{c}\phantom{\times999}204\\\underline{\times\phantom{99}1195}\\\phantom{\times99}1020\\\end{array}
Now multiply the first number with the 1^{st} digit in 2^{nd} number to get intermediate results. That is Multiply 204 with 5. Write the result 1020 at the end leaving 0 spaces to the right like this.
\begin{array}{c}\phantom{\times999}204\\\underline{\times\phantom{99}1195}\\\phantom{\times99}1020\\\phantom{\times9}1836\phantom{9}\\\end{array}
Now multiply the first number with the 2^{nd} digit in 2^{nd} number to get intermediate results. That is Multiply 204 with 9. Write the result 1836 at the end leaving 1 spaces to the right like this.
\begin{array}{c}\phantom{\times999}204\\\underline{\times\phantom{99}1195}\\\phantom{\times99}1020\\\phantom{\times9}1836\phantom{9}\\\phantom{\times9}204\phantom{99}\\\end{array}
Now multiply the first number with the 3^{rd} digit in 2^{nd} number to get intermediate results. That is Multiply 204 with 1. Write the result 204 at the end leaving 2 spaces to the right like this.
\begin{array}{c}\phantom{\times999}204\\\underline{\times\phantom{99}1195}\\\phantom{\times99}1020\\\phantom{\times9}1836\phantom{9}\\\phantom{\times9}204\phantom{99}\\\underline{\phantom{\times}204\phantom{999}}\\\end{array}
Now multiply the first number with the 4^{th} digit in 2^{nd} number to get intermediate results. That is Multiply 204 with 1. Write the result 204 at the end leaving 3 spaces to the right like this.
\begin{array}{c}\phantom{\times999}204\\\underline{\times\phantom{99}1195}\\\phantom{\times99}1020\\\phantom{\times9}1836\phantom{9}\\\phantom{\times9}204\phantom{99}\\\underline{\phantom{\times}204\phantom{999}}\\\phantom{\times}243780\end{array}
Now add the intermediate results to get final answer.