Company: WBS-PG
Filing Date: 2025-09-05
Form Type: 424B5
Source: 0001193125-25-197211
Chunk: 29

Company: WEBSTER FINANCIAL CORP
Filing Date: 2025-09-05
Form: 424B5
Chunk 29
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.S. Treasury Rate for a five-year maturity), in each case that we, the calculation agent or our designee, after consulting with us, determine, from time to time, to be appropriate to reflect the determination and implementation of such Replacement Rate in a manner substantially consistent with market practice (or, if we, the calculation agent or our designee, after consulting with us, determine that implementation of any portion of such market practice is not administratively feasible or if we, the calculation agent or our designee, after consulting with us, determine that no market practice for use of such Replacement Rate exists, in such other manner as we, the calculation agent or our S-17

designee, after consulting with us, determines is appropriate) (such changes, the “U.S. Treasury Rate Adjustments”). If we, the calculation agent or our designee, after consulting
with us, determine that there is no such Replacement Rate, then the interest rate for the Subsequent Fixed Rate Period will be the interest rate for the Initial Fixed Rate Period.

Any determination, decision or selection that may be made by us, the calculation agent or our designee, after consulting with us, pursuant to
the provisions of the Notes (including provisions relating to a Rate Substitution Event and any U.S. Treasury Rate Adjustments, or of the occurrence or non-occurrence of an event, circumstance or date, and any
decision to take or refrain from taking any action or make or refrain from making any selection) will be made in our, the calculation agent’s or such designee’s sole discretion, will be conclusive and binding absent manifest error and,
notwithstanding anything to the contrary in this prospectus supplement or the accompanying prospectus shall become effective without consent from the holders of the Notes or any other party. The calculation agent’s determination of any
interest rate, and its calculation of interest payments for any period, will be maintained on file at the calculation agent’s principal offices and will be made available to any holder of the Notes upon request.

Interest shall be calculated on the basis of a 360-day year consisting of twelve 30-day months. Dollar amounts resulting from that calculation will be rounded to the nearest cent, with one-half cent being rounded upward.

When we use the term “Interest Payment Period,” we mean the period from and including the immediately preceding interest payment
date in respect of which interest has been paid or duly provided for or, if no interest has been paid or duly provided for, from and including the date of issuance of the