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not sure about an 05 but earier modles have a plug at the bottom of the female end of the seat belt, you just unplugg it
Go down to Toyota and buy a short seat belt extender for an 05 4Runner (should fit an 09 Santa Fe belt ) and use it. That should stop all that ear shattering noise from that poor engineered piece of work, trying to pass off as a safety device.. All it does is bust your ear drums. It make it easier to find the buckle so you can use the seat belt, is one of the side benefits.
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