Company: WBS-PG
Filing Date: 2025-09-05
Form Type: 424B5
Source: 0001193125-25-197211
Chunk: 43

Company: WEBSTER FINANCIAL CORP
Filing Date: 2025-09-05
Form: 424B5
Chunk 43
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 payment of interest following the issue date of such additional notes) in order that such additional notes may be consolidated and form a single series with the Notes and have the same terms as to status, redemption or otherwise as the Notes, subject to the procedures of the DTC; provided, however, that a separate CUSIP or other identifying number will be issued for any such additional notes unless such additional notes are fungible with the Notes for U.S. federal income tax purposes. The Trustee may conclusively rely upon certificates, opinions or other documents furnished to it under the Indenture and shall have no responsibility to confirm or investigate the accuracy of mathematical calculations or other facts stated therein. The Trustee shall have no responsibility for monitoring Webster’s compliance with any of its covenants under the Indenture. S-26

Determinations and Decisions We and the calculation agent are expressly authorized to make certain determinations, decisions and elections under the terms of the Notes, including with respect to the calculation of the U.S. Treasury Rate for a five-year-maturity. Any determination, decision or election that may be made by us or by the calculation agent under the terms of the Notes, including any determination with respect to the use of U.S. Treasury Rate for a five-year maturity, any determination of the occurrence of a Rate Substitution Event, any determination of a tenor, rate or adjustment or of the occurrence or non-occurrenceof an event, circumstance or date and any decision to take or refrain from taking any action or any selection:

| • |     | will be conclusive and binding on the holders of the Notes and the Trustee absent manifest error; |

| • |     | if made by us, will be made in our sole discretion; |

| • |     | if made by the calculation agent, will be made after consultation with us, and the calculation agent will not 
 make any such determination, decision or election to which we reasonably object; and                          |

| • |     | notwithstanding anything to the contrary in the Indenture, shall become effective without consent from the 
 holders of the Notes or the Trustee.                                                                       |

If the calculation agent fails to make any determination, decision or election that it is required to make under the terms of the Notes, then we will make that determination, decision or election on the same basis as described above. None of the Trustee, the paying agent or the calculation agent shall be under any obligation (i) to monitor, determine or verify the unavailability or cessation of