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\begin{array}{c}\phantom{\times999}20824\\\underline{\times\phantom{99999}495}\\\end{array}
First line up the numbers vertically and match the places from the right like this.
\begin{array}{c}\phantom{\times999}20824\\\underline{\times\phantom{99999}495}\\\phantom{\times99}104120\\\end{array}
Now multiply the first number with the 1^{st} digit in 2^{nd} number to get intermediate results. That is Multiply 20824 with 5. Write the result 104120 at the end leaving 0 spaces to the right like this.
\begin{array}{c}\phantom{\times999}20824\\\underline{\times\phantom{99999}495}\\\phantom{\times99}104120\\\phantom{\times9}187416\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 20824 with 9. Write the result 187416 at the end leaving 1 spaces to the right like this.
\begin{array}{c}\phantom{\times999}20824\\\underline{\times\phantom{99999}495}\\\phantom{\times99}104120\\\phantom{\times9}187416\phantom{9}\\\underline{\phantom{\times9}83296\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 20824 with 4. Write the result 83296 at the end leaving 2 spaces to the right like this.
\begin{array}{c}\phantom{\times999}20824\\\underline{\times\phantom{99999}495}\\\phantom{\times99}104120\\\phantom{\times9}187416\phantom{9}\\\underline{\phantom{\times9}83296\phantom{99}}\\\phantom{\times}10307880\end{array}
Now add the intermediate results to get final answer.