In this work, the stability and error analysis are presented for fully discrete solutions of the fourth-order differential equation with the multi-term Riemann-Liouville fractional integral. Our numerical scheme is obtained by the standard central difference method in space and the formally two-step backward differentiation formula method and second-order convolution quadrature in time. Optimal order of the numerical scheme in L2-norm is established using the discrete energy method. The analysis is supported by two numerical experiments.