Company: WBS-PG
Filing Date: 2025-09-05
Form Type: 424B5
Source: 0001193125-25-197211
Chunk: 78

Company: WEBSTER FINANCIAL CORP
Filing Date: 2025-09-05
Form: 424B5
Chunk 78
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 as otherwise stated in an applicable prospectus supplement. The prospectus supplement with respect to an offering of offered securities may identify different or additional uses for the proceeds of that offering. Except as otherwise stated in an applicable prospectus supplement, pending the application of the net proceeds, we expect to temporarily invest the proceeds from the sale of offered securities in short-term obligations, which may include securities or held in deposits of our affiliated banks. 7

DESCRIPTION OF DEBT SECURITIES

General

The following description sets forth
certain general terms and provisions of the debt securities to which any prospectus supplement may relate. A prospectus supplement will describe the terms relating to any debt securities to be offered in greater detail and may provide
information that is different from this prospectus. If the information in the prospectus supplement with respect to the particular debt securities being offered differs from the general description in this prospectus, you should rely on the
information in the prospectus supplement. Please note that in this section titled “Description of Debt Securities,” references to “Webster,” “we,” “our,” and
“us” refer solely to Webster Financial Corporation as the issuer of the applicable series of debt securities and not to any subsidiaries, unless the context requires otherwise.

We may offer and issue, in one or more series, senior debt securities and/or subordinated debt securities, which in each case will be unsecured, direct,
general obligations of Webster.

The senior debt securities will rank equally with all our other unsecured and unsubordinated debt. The subordinated debt
securities will be subordinate and junior in priority of payment to senior debt securities of Webster, as described below under “—Subordination of Subordinated Debt Securities” and in the prospectus supplement applicable to any
subordinated debt securities that we may offer. For purposes of the descriptions under the heading “—Description of Senior Debt Securities and Subordinated Debt Securities,” we may refer to the senior debt securities and the
subordinated debt securities collectively as the “debt securities.” The debt securities will be effectively subordinated to the creditors and preferred equity holders of our subsidiaries.

We will issue senior debt securities under a senior debt indenture and subordinated debt securities under a separate subordinated debt indenture. Provisions
relating to the issuance of debt securities may also be set forth in a supplemental indenture to either of the indentures. For purposes of the descriptions under the heading “—Description of Senior Debt Securities and Subordinated Debt
Securities,” we may refer to the senior debt