Company: WBS-PG
Filing Date: 2025-09-05
Form Type: 424B5
Source: 0001193125-25-197211
Chunk: 84

Company: WEBSTER FINANCIAL CORP
Filing Date: 2025-09-05
Form: 424B5
Chunk 84
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 than holders of subordinated debt securities in the event of a distribution of assets upon insolvency. The supplemental indenture will set forth the terms and conditions under which, if any, we will not be permitted to pay principal, premium, if any, or interest on the related subordinated debt securities upon the occurrence of an event of default or other circumstances arising under or with respect to senior debt. The indentures will place no limitation on the amount of senior debt that we may incur. We expect to incur from time to time additional indebtedness constituting senior debt, which may include indebtedness that is senior to the subordinated debt securities but subordinate to our other obligations. “ Senior debt” means the principal of, and premium, if any, and interest, including interest accruing after the commencement of any bankruptcy proceeding relating to Webster, on, or substantially similar payments we will make in respect of the following categories of debt, whether that debt is outstanding at the date of execution of the applicable indenture or thereafter incurred, created or assumed:

| • |     | “existing senior debt,” which, as of September 30, 2023, means indebtedness of Webster in                                                                                                  
 the amount of (i) $132.6 million evidenced by 4.375% senior fixed rate notes due February 15, 2024 and (ii) $329.4 million evidenced by 4.100% senior fixed-rate notes due March 25, 2029; |

11

| • |     | other indebtedness of Webster evidenced by notes, debentures, or bonds or other securities issued under the                                                                                                                    
 provisions of any indenture, fiscal agency agreement, note purchase agreement or other agreement, including the senior debt securities that may be offered by means of this prospectus and one or more prospectus supplements; |

| • |     | indebtedness of Webster for money borrowed or represented by purchase-money obligations, as defined below; |

| • |     | our obligations as lessee under leases of property either made as part of a sale and leaseback transaction to 
 which we are a party or otherwise;                                                                            |

| • |     | indebtedness, obligations and liabilities of others in respect of which we are liable contingently or otherwise                                                                                                                                  
 to pay or advance money or property or as guarantor, endorser or otherwise or which we have agreed to purchase or otherwise acquire and indebtedness of partnerships and joint ventures that is included in the Company’s consolidated financial 
 statements;                                                                                                                                                                                                                                      |

| • |