Company: WBS-PG
Filing Date: 2025-09-05
Form Type: 424B5
Source: 0001193125-25-197211
Chunk: 58

Company: WEBSTER FINANCIAL CORP
Filing Date: 2025-09-05
Form: 424B5
Chunk 58
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 jurisdiction or under any applicable tax treaty. Treatment of the Notes The Notes should be treated as “variable rate debt instruments” for U.S. federal tax purposes. Although there is uncertainty regarding their treatment, the Notes should be treated as providing for a single fixed rate followed by a single qualified floating rate (“QFR”). The following discussion assumes that this treatment will be respected. U.S. Holders This subsection describes the tax considerations for a “U.S. holder.” You are a “U.S. holder” if you are a beneficial owner of a Note and you are:

| • |     | an individual citizen or resident of the United States; |

| • |     | a corporation (or other entity treated as a corporation for U.S. federal income tax purposes) created or 
 organized in or under the laws of the United States, any state thereof, or the District of Columbia;     |

| • |     | an estate the income of which is subject to U.S. federal income tax regardless of its source; or |

| • |     | a trust that (1) is subject to the primary supervision of a court within the United States if one or more                                                                                                                     
 “United States persons” (as defined in the Code) have the authority to control all substantial decisions of the trust, or (2) has a valid election in effect under applicable Treasury Regulations to be treated as a “United 
 States person.”                                                                                                                                                                                                               |

Under the U.S. Treasury regulations applicable to variable rate debt instruments, in order to determine the amount of original issue discount (“OID”), if any, in respect of the Notes, an equivalent fixed rate debt instrument must be constructed. The equivalent fixed rate debt instrument is constructed in the following manner: (i) first, the initial fixed rate is converted to a QFR that would preserve the fair market value of the Notes, and (ii) second, each QFR (including the QFR determined under clause (i) above) is converted to a fixed rate substitute (which generally will be the value of that QFR as of the issue date of the Notes). Under the applicable U.S. Treasury regulations, the Notes generally will be treated as providing for qualified stated interest (“QSI”) at a rate equal to the lowest rate of interest in effect at any time under the equivalent fixed rate debt instrument, and any interest under the equivalent fixed rate debt instrument in excess of that rate generally would be treated as part of the stated redemption price at maturity and, therefore, as possibly giving rise to OID.