Company: RTNTF
Filing Date: 2025-03-10
Form Type: 424B2
Source: 0001104659-25-022024
Chunk: 18

Company: RIO TINTO LTD
Filing Date: 2025-03-10
Form: 424B2
Chunk 18
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 credit ratings may not reflect all risks of an investment in the Notes

The credit ratings ascribed to us, Rio Tinto and the Notes are intended to reflect our and Rio Tinto’s ability to meet our payment obligations in respect of the Notes and the guarantees, and may not reflect the potential impact of all risks related to structure and other factors on the value of the Notes. In addition, actual or anticipated changes in our or Rio Tinto’s credit ratings may generally be expected to affect the market value of the Notes.

If we default on the Notes, or if Rio Tinto defaults on the guarantees, your right to receive payments on the guarantees may be adversely affected by English or Australian insolvency laws

Rio Tinto plc and Rio Tinto Finance (USA) plc are incorporated under the laws of England and Wales. Accordingly, insolvency proceedings with respect to either of them would be likely to proceed under, and be governed by, English insolvency law. The procedural and substantive provisions of English insolvency laws generally are more favorable to secured creditors than comparable provisions of United States law. These provisions afford debtors and unsecured creditors only limited protection from the claims of secured creditors and it will generally not be possible for us, Rio Tinto or other unsecured creditors to prevent or delay the secured creditors from enforcing their security to repay the debts due to them.

Rio Tinto Limited is incorporated under the laws of Australia and, therefore, insolvency proceedings with respect to it would be likely to proceed under, and be governed by, Australian insolvency law. The procedural and substantive provisions of Australian insolvency laws are also generally more favorable to secured creditors than comparable provisions of United States law. These provisions afford debtors and unsecured creditors only limited protection from the claims of secured creditors and it will generally not be possible for us, Rio Tinto or other unsecured creditors to prevent or delay the secured creditors from enforcing their security to repay the debts due to them.

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TABLE OF CONTENTS

#### Risks Relating to the Benchmark
SOFR is a relatively new market index, and the adoption of daily compounded SOFR by us and the market is uncertain.

To avoid the problems associated with the potential manipulation and financial stability risks of IBORs, regulatory authorities in a number of key jurisdictions are requiring financial markets to transition away from IBORs, which include the element of interbank lending, to near risk-free rates (“RFRs”). Investors should be aware that the market continues to develop in relation