Company: RTNTF
Filing Date: 2025-03-13
Form Type: 424B5
Source: 0001104659-25-023282
Chunk: 19

Company: RIO TINTO LTD
Filing Date: 2025-03-13
Form: 424B5
Chunk 19
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 debt in the future

We or Rio Tinto may incur substantial additional indebtedness in the future, including in connection with future acquisitions, some or all of which may be secured by our or Rio Tinto’s assets. The terms of the Notes will not limit the amount of indebtedness we or Rio Tinto may incur. Any such incurrence of additional indebtedness could exacerbate the risks that holders of the Notes now face.

#### The Notes lack a developed public market
There can be no assurance regarding the future development of a market for the Notes or the ability of holders of the Notes to sell their Notes or the price at which such holders may be able to sell their Notes. If such a market were to develop, the Notes could trade at prices that may be higher or lower than the initial offering price depending on many factors, including, among other things, prevailing interest rates, our or Rio Tinto’s operating results and the market for similar notes. The underwriters may make a market in the Notes as permitted by applicable laws and regulations. However, the underwriters are not obligated to do so, and any such market-making activities with respect to the Notes may be discontinued at any time without notice. Therefore, there can be no assurance as to the liquidity of any trading market for the Notes or that an active public market for the Notes will develop. See “Underwriting”.

Our and Rio Tinto’s 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