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

Company: WEBSTER FINANCIAL CORP
Filing Date: 2025-09-05
Form: 424B5
Chunk 25
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 bank regulatory agency) to the extent such approval is then required under the rules of the Federal
Reserve (“Federal Reserve Approval”), at a price equal to 100% of the principal amount of the Notes to be redeemed plus any accrued and unpaid interest to, but excluding, the redemption date. The Notes may not otherwise be redeemed by us
prior to the Maturity Date, except that we may, at our option, subject to Federal Reserve Approval, redeem the Notes in whole, but not in part, prior to maturity upon the occurrence of a “Tax Event” or a “Tier 2 Capital
Event” (as such terms are defined in the Indenture) or if we are required to register as an investment company pursuant to the Investment Company Act of 1940, as amended, in each case, at a price equal to 100% of the principal amount of the
Notes to be redeemed plus any accrued and unpaid interest to, but excluding, the redemption date. Any partial redemption will be made in accordance with the applicable procedures of DTC (as defined below). See “—Redemption.”

The Notes are not convertible into, or exchangeable for, equity securities, other securities or assets of Webster or its subsidiaries. There
is no sinking fund for the Notes. Except as described below under “—Clearance and Settlement,” the Notes will be represented by one or more global certificates deposited with or on behalf of DTC and registered in the name of
Cede & Co. or another nominee of DTC. The Notes will be issued and may be transferred only in minimum denominations of $1,000 and integral multiples of $1,000 in excess thereof in book-entry form only. See “—Clearance and
Settlement.”

S-15

As a bank holding company, our ability to make payments on the Notes will depend primarily
on the receipt of interest and other distributions from the Bank. There are various regulatory restrictions on the ability of the Bank to pay dividends or make other distributions to us. See “Risk Factors—Payments on the Notes will
depend on receipt of dividends and distributions from our subsidiaries” and “Risk Factors—Regulatory guidelines may restrict our ability to pay the principal of, and accrued and unpaid interest on, the Notes, regardless of whether
we are the subject of an insolvency proceeding” in this prospectus supplement.

Delivery of reports, information and documents
(including, without limitation, reports contemplated in this section) to the Trustee is for information purposes only, and