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Apply the splitting principle for complex vector bundles simultaneously to $E$ and $F$. This can be implemented by successive projective bundle pullbacks; the projective bundle theorem makes their composite pullback injective on integral cohomology. After pullback write $E=L_1\oplus L_2$ and $F=M_1\oplus M_2$, with Chern roots $x_1,x_2$ and $y_1,y_2$. LetSince the First Chern class of a tensor product of complex line bundles is the sum of their first Chern classes, the four roots of $E\otimes F$ are $x_i+y_j$, $1\le i,j\le 2$.

Compute their six pairwise products integrally. The two pairs within a fixed $x_i$ row contributeThe four pairs between the two rows contributeTheir sum is the second elementary symmetric polynomial of the tensor roots. Injectivity of the pullback returns the resulting identity to $X$, givingProducts here are cup products in integral cohomology. This second Chern class of a tensor product of rank-two bundles formula uses no division by two and therefore holds without assuming the integral cohomology of $X$ is torsion-free.