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What is the difference between using a 5-point restraint system and a 3-point restraint system?

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What is the difference between using a 5-point restraint system and a 3-point restraint system?

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A 5-point restraint is used in the Toddler Car Seat use and anchor points positioned in five areas of the seat, two behind the shoulders, two on each side of the waist, and one in the center or crotch area. A 3-point restraint system is a vehicle lap and shoulder belt used with a belt positioning booster car seat that has 3 anchor points which place the vehicle seat belt over the lap and then across the chest and over the shoulder Toddler Car seats with a 5-point harness and Booster Car Seats that use the vehicle 3-point lap and shoulder belt must meet the applicable Federal Motor Vehicle Safety Standards.

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