In this example we are multiplying two binomials so FOIL method can be used.
$$ \begin{aligned} \left( \color{blue}{ x-4}\right) \cdot \left( \color{orangered}{ 7x+12}\right) &= \underbrace{ \color{blue}{x} \cdot \color{orangered}{7x} }_{\text{FIRST}} + \underbrace{ \color{blue}{x} \cdot \color{orangered}{12} }_{\text{OUTER}} + \underbrace{ \left( \color{blue}{-4} \right) \cdot \color{orangered}{7x} }_{\text{INNER}} + \underbrace{ \left( \color{blue}{-4} \right) \cdot \color{orangered}{12} }_{\text{LAST}} = \\ &= 7x^2 + 12x + \left( -28x\right) + \left( -48\right) = \\ &= 7x^2 + 12x + \left( -28x\right) + \left( -48\right) = \\ &= 7x^2-16x-48; \end{aligned} $$