Company: WBS-PG
Filing Date: 2025-09-05
Form Type: 424B5
Source: 0001193125-25-197211
Chunk: 39

Company: WEBSTER FINANCIAL CORP
Filing Date: 2025-09-05
Form: 424B5
Chunk 39
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 terms, conditions and provisions of the Indenture, as well as any past default and/or the consequences of default, other than any default in the payment of principal or interest or any breach in respect of a covenant or provision that cannot be modified or amended without the consent of the holder of each outstanding Note. In addition, we and the Trustee may modify and amend the Indenture without the consent of any holders of Notes for any of the following purposes:

| • |     | to evidence the succession of another person to Webster as obligor under the Indenture; |

| • |     | to add to the covenants of Webster or events of defaults for the benefit of the holders of the Notes or to 
 surrender any right or power conferred upon Webster in the Indenture;                                      |

| • |     | to provide for uncertificated securities; |

| • |     | to establish the form or terms of the Notes and any related coupons; |

| • |     | to evidence the acceptance of appointment by a successor trustee; |

| • |     | to cure any ambiguity or correct any defect or inconsistency in the Indenture; |

| • |     | to add to, change or eliminate any provisions of the Indenture, if the addition, change or elimination becomes                                                                                 
 effective only when there are no debt securities outstanding of any series created prior to the change or elimination that are entitled to the benefit of the changed or eliminated provision; |

| • |     | to supplement any provisions of the Indenture necessary to permit or facilitate the defeasance and discharge of 
 the Notes, provided that such action does not adversely affect the interests of the holders of the Notes;       |

| • |     | to qualify the Indenture under the Trust Indenture Act of 1939, as amended (the “Trust Indenture 
 Act”);                                                                                           |

| • |     | to make any change that does not adversely affect the legal rights under the Indenture of any holder of Notes in 
 any material respect; or                                                                                         |

| • |     | to comply with the rules or regulations of any securities exchange or automated quotation system on which any of 
 the Notes may be listed or traded.                                                                               |

S-24

Not in limitation of the foregoing, without the consent of any holders of Notes, we and the
Trustee may amend or supplement the Indenture or the Notes (i) to conform the terms of the Indenture and the Notes to