Company: WBS-PG
Filing Date: 2025-09-05
Form Type: 424B5
Source: 0001193125-25-197211
Chunk: 89

Company: WEBSTER FINANCIAL CORP
Filing Date: 2025-09-05
Form: 424B5
Chunk 89
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 to the debt securities, as well as the obligations of the applicable trustee, run only to persons who are registered holders of debt securities. For example, once we make payment to the registered holder, we have no further responsibility for that payment even if the recipient is legally required to pass the payment along to an individual investor but fails to do so. As an indirect holder, an investor’s rights relating to a global security will be governed by the account rules of the investor’s financial institution and of the depositary, as well as general laws relating to transfers of debt securities. An investor should be aware that when debt securities are issued in the form of global securities:

| • |     | the investor cannot have debt securities registered in his or her own name; |

| • |     | the investor cannot receive physical certificates for his or her debt securities; |

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| • |     | the investor must look to his or her bank or brokerage firm for payments on the debt securities and protection of 
 his or her legal rights relating to the debt securities;                                                          |

| • |     | the investor may not be able to sell interests in the debt securities to some insurance or other institutions 
 that are required by law to hold the physical certificates of debt that they own;                             |

| • |     | the depositary’s policies will govern payments, transfers, exchanges and other matters relating to the 
 investor’s interest in the global security; and                                                        |

| • |     | the depositary will usually require that interests in a global security be purchased or sold within its system 
 using same-day funds.                                                                                          |

The prospectus supplement for a series of debt securities will list the special situations, if any, in which a global security will terminate and interests in the global security will be exchanged for physical certificates representing debt securities. After that exchange, the investor may choose whether to hold debt securities directly or indirectly through an account at the investor’s bank or brokerage firm. In that event, investors must consult their banks or brokers to find out how to have their interests in debt securities transferred to their own names so that they may become direct holders. When a global security terminates, the depositary, and not us or one of the trustees, is responsible for deciding the names of the institutions that will be the initial direct holders. Merger, Consolidation or Sale of Assets We will not be permitted to consolidate with or merge into any other entity, or sell, lease, transfer or convey all or substantially all of our properties and assets, either in one transaction or