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\begin{array}{c}\phantom{\times99}95\\\underline{\times\phantom{9}103}\\\end{array}
First line up the numbers vertically and match the places from the right like this.
\begin{array}{c}\phantom{\times99}95\\\underline{\times\phantom{9}103}\\\phantom{\times9}285\\\end{array}
Now multiply the first number with the 1^{st} digit in 2^{nd} number to get intermediate results. That is Multiply 95 with 3. Write the result 285 at the end leaving 0 spaces to the right like this.
\begin{array}{c}\phantom{\times99}95\\\underline{\times\phantom{9}103}\\\phantom{\times9}285\\\phantom{\times999}0\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 95 with 0. Write the result 0 at the end leaving 1 spaces to the right like this.
\begin{array}{c}\phantom{\times99}95\\\underline{\times\phantom{9}103}\\\phantom{\times9}285\\\phantom{\times999}0\phantom{9}\\\underline{\phantom{\times}95\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 95 with 1. Write the result 95 at the end leaving 2 spaces to the right like this.
\begin{array}{c}\phantom{\times99}95\\\underline{\times\phantom{9}103}\\\phantom{\times9}285\\\phantom{\times999}0\phantom{9}\\\underline{\phantom{\times}95\phantom{99}}\\\phantom{\times}9785\end{array}
Now add the intermediate results to get final answer.