Paul, it's possible everything is working fine. 4L should sound much different than 2H or TOD, kinda like you're describing. Have you driven in 4L before without any strange noise? What kind of terrain are you driving on in 4L? Never use 4L on bare pavement. This applies to all 4WD vehicles. It can cause bad tire wear, bad noises, worse fuel economy, and eventually, damage to front end drive components. When turning in 4L one wheel needs to slip a little. You need to be on grass, mud, dirt, gravel, snow, ice and such when using 4L. There are also speed limits in each gear you need to be aware of in 4L.
Engage and disengage 4L briefly every few months to keep it working right. You probably rarely need to use 4L ever. From the manual- "Use this for maximum power and traction. Use '4L' for climbing or descending steep hills, off-road driving, and hard pulling in sand, mud or deep snow."
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