Ameetw,
For 4wd lo, you have to stop and put the car in P. Never try to engage it when you`re driving!
You can connect the seats to a ring located between your rear and front seat, right in the middle.
After you folded your seats you should see a strap with a metal hook connected to it, that`s what you connect to the ring.
If you can`t finf it, I`ll send you a pic!
BTW TOD off will give you a better mileage, and a more exciting to drive vehicle! But turn it on in the wet, or you`ll be spinning donuts!