|Exhibit 3.1


RESTATED CERTIFICATE
OF INCORPORATION


OF UNIONBANCAL
CORPORATION


UnionBanCal
Corporation, a corporation organized and existing under the laws of the State of Delaware,
hereby certifies as follows:
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| | FIRST:
           The name of the
corporation is UnionBanCal Corporation.
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| | SECOND:
       The
original  Certificate of  Incorporation  of the  corporation was filed with the Secretary
of State of the State of Delaware on November 1, 2002.
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| | THIRD:
           The corporation has not yet received any
payment for any of its stock.
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| | FOURTH:
        Pursuant  to Sections  241 and 245 of the
General  Corporation  Law of the State of  Delaware,  this  Restated  Certificate  of
Incorporation restates, integrates and further amends the provisions of the Certificate
of Incorporation of the corporation.
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| | FIFTH:
            The Certificate of Incorporation of the
corporation is hereby amended and restated to read in full as follows:
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|ARTICLE I


The
name of the corporation is UnionBanCal Corporation.


ARTICLE II


The
address of the registered office of the
corporation in the State of Delaware is 1209 Orange Street, in the City of Wilmington,
County of New Castle. The name of the corporations registered agent at such address
is The Corporation Trust Company.


ARTICLE III


The
nature of the business or purposes to be conducted or promoted is to engage in any lawful
act or activity for which  corporations may be organized under the General Corporation
Law of the State of Delaware.


ARTICLE IV


A.                     CLASSES
OF STOCK. The total number of shares of all classes of capital stock           that the
corporation shall have authority to issue is three hundred five million
          (305,000,000), of which three hundred million (300,000,000) shares shall be
          Common Stock of the par value of one dollar ($1.00) per share (the Common
          Stock) and five million (5,000,000) shares shall be Preferred Stock of
the           par value of one dollar ($1.00) per share (the Preferred Stock).
          Subject to the rights of the holders of any series of Preferred Stock pursuant
          to the terms of this Restated Certificate of Incorporation or any resolution or
          resolutions providing for the issuance of such series of stock adopted by the
          Board of Directors, the number of authorized shares of Preferred Stock may be
          increased or decreased (but not below the number
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|of shares thereof then
          outstanding) by the affirmative vote of the holders of a majority of the stock
          of the corporation entitled to vote generally in the election of directors
          irrespective of the provisions of Section 242(b)(2) of the General Corporation
          Law of the State of Delaware.


B.                        PREFERRED
STOCK. The Preferred Stock may be issued from time to time in one or           more
series, as determined by the Board of Directors. The Board of Directors is
          expressly authorized to provide for the issue, in one or more series, of all or
          any shares of Preferred Stock and, in the resolution or resolutions providing
          for such issue, to establish for each such series the number of its shares, the
          voting powers, full or limited, of the shares of such series, or that such
          shares shall have no voting powers, and the designations, preferences and
          relative, participating, optional or other special rights of the shares of such
          series, and the qualifications, limitations or restrictions thereof. The Board
          of Directors is also expressly authorized (unless forbidden in the resolution
or           resolutions providing for such issue) to increase or decrease (but not below
the           number of shares of such series then outstanding) the number of shares of
any           series subsequent to the issuance of shares of that series. In case the
number           of shares of any such series shall be so decreased, the shares
constituting such           decrease shall resume the status that they had prior to the
adoption of the           resolution originally fixing the number of shares of such
series.


C.                         COMMON
STOCK.


1.                 RELATIVE
RIGHTS OF PREFERRED STOCK AND COMMON STOCK. All preferences, voting           powers,
relative, participating, optional or other special rights and           privileges, and
qualifications, limitations, or restrictions of the Common Stock           are expressly
made subject to those that may be fixed with respect to any shares           of the
Preferred Stock.


2.                 VOTING
RIGHTS. Except as otherwise required by law or this Restated Certificate           of
Incorporation, each holder of Common Stock shall have one vote in respect of
          each share of Common Stock held by such holder of record on the books of the
          corporation for the election of directors and on all matters submitted to a
vote           of stockholders of the corporation.


3.                 DIVIDENDS.
Subject to the preferential rights of the Preferred Stock, if any,           the holders
of shares of Common Stock shall be entitled to receive, when and if           declared by
the Board of Directors, out of the assets of the corporation which           are by law
available therefor, dividends payable either in cash, in property or           in shares
of capital stock.


4.                 DISSOLUTION,
LIQUIDATION OR WINDING UP. In the event of any dissolution,           liquidation or
winding up of the affairs of the corporation, after distribution           in full of the
preferential amounts, if any, to be distributed to the holders of           shares of the
Preferred Stock, holders of Common Stock shall be entitled, unless           otherwise
provided by law or this Restated Certificate of Incorporation, to           receive all
of the remaining assets of the corporation of whatever kind           available for
distribution to stockholders ratably in proportion to the number           of shares of
Common Stock held by them respectively.



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|ARTICLE V


In
furtherance and not in limitation of the powers conferred by the laws of the State of
Delaware:


A.                 Except
for Section 2.1 of the Bylaws, relating to the number of directors which           shall
constitute the whole Board of Directors, the Board of Directors is           expressly
authorized to adopt, amend or repeal the Bylaws of the corporation.


B.                 Elections
of directors need not be by written ballot unless the Bylaws of the           corporation
shall so provide.


C.                 The
books of the corporation may be kept at such place within or without the           State
of Delaware as the Bylaws of the corporation may provide or as may be
          designated from time to time by the Board of Directors.



ARTICLE VI


Special
 meetings of the  stockholders  of the  corporation  may be called only by the Board of
 Directors,  the Chairman of the Board of Directors, the President and Chief Executive
Officer, or the holders of shares representing a majority of the votes entitled to be
cast at the meeting.


ARTICLE VII


A.                 LIMITATION
ON LIABILITY. A director of the corporation shall not be personally           liable to
the corporation or its stockholders for monetary damages for breach of
          fiduciary duty as a director, except for liability (1) for any breach of the
          directors duty of loyalty to the corporation or its stockholders; (2) for
          acts or omissions not in good faith or which involve intentional misconduct or
a           knowing violation of law; (3) under Section 174 of the General Corporation
Law           of the State of Delaware; or (4) for any transaction from which the
director           derived an improper personal benefit.


If
the General Corporation Law of the State of Delaware hereafter is amended to further
eliminate or limit the liability of directors, then the liability of a director of the
corporation, in addition to the limitation on personal liability provided herein, shall
be limited to the fullest extent permitted by the amended General Corporation Law of the
State of Delaware.


B.                 INDEMNIFICATION.
To the fullest extent permitted by applicable law, the           corporation is
authorized to provide indemnification of (and advancement of           expenses to)
directors, officers, employees or agents of the corporation (and           any other
persons to which Delaware law permits the corporation to provide
          indemnification and advancement) through bylaw provisions, agreements with such
          directors, officers, employees, agents or other persons, vote of stockholders
or           disinterested directors or otherwise, in excess of the indemnification and
          advancement otherwise permitted by Section 145 of the General Corporation Law
of           the State of Delaware, subject only to limits created by applicable Delaware
law           (statutory or non-statutory), with respect to actions for breach of duty to
the           corporation, its stockholders, and others and subject to the limits on
          indemnification and advancement provided in Part 359 of Title 12 of the Code of
          Federal Regulations.


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|C.                 REPEAL
AND MODIFICATION. Any repeal or modification of the provisions of this           Article
VII shall not adversely affect any right or protection of any director,
          officer, employee, agent of the corporation or such other persons to which
          Delaware law permits the corporation to provide indemnification existing at the
          time of such repeal or modification.


ARTICLE VIII


The
corporation shall not, without the approval of the holders of at least ninety percent
(90%) of the then outstanding shares of Common Stock, be a constituent corporation in a
merger pursuant to Section 251, 252, 263 or 264 of the General Corporation Law of the
State of Delaware if a constituent corporation, limited liability company or partnership
to such merger (each such entity (including the corporation) being a Constituent
Entity) or its Parent is a Parent of the corporation immediately prior to such
merger, in which nonredeemable shares of common stock or other nonredeemable equity
interests, respectively, of any Constituent Entity are converted into anything other than
nonredeemable shares of common stock or other nonredeemable equity interests of the
surviving Constituent Entity or its Parent. For purposes of this Article VIII, a person
or entity which owns, directly or indirectly, more than 50% of the aggregate voting power
of all outstanding equity interests of an entity is that entitys Parent.


The
provisions of this Article VIII shall not apply to any merger described above in this
Article VIII if the Commissioner of Corporations of the State of California (or any
successor agency thereto) has approved the terms and conditions of the transaction and
the fairness of those terms and conditions pursuant to Section 25142 of the California
Corporate Securities Law of 1968 (or any successor provision thereto).


This
Article VIII may be amended only with the approval of the holders of at least ninety
percent (90%) of the then outstanding shares of Common Stock.


ARTICLE IX


The
corporation expressly elects not to be governed by Section 203 of the General Corporation
Law of the State of Delaware.


ARTICLE X


Any
vacancy on the Board of Directors created by the removal of a director of the corporation
may only be filled at a meeting of the stockholders or by an action by the unanimous
written consent of the stockholders. The stockholders may elect a director at any time to
fill any vacancy created by the removal of a director or a vacancy not filled by the
directors. Any such election by written consent other than to fill a vacancy created by
removal requires the consent of a majority of the outstanding shares entitled to vote.


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| | SIXTH:        
              This  Restated  Certificate  of  Incorporation  was duly  adopted by the
Board of Directors  of the  corporation  in accordance with Sections 241 and 245 of the
General Corporation Law of the State of Delaware.
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|IN
WITNESS WHEREOF, UnionBanCal Corporation has caused this certificate to be signed by its
President and Chief Executive Officer and Secretary this 8th day of September, 2003.
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| |  | /S/ JOHN H. MCGUCKIN, JR.
John H. McGuckin, Jr., President andChief Executive Officer
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| |  | /S/  MORRIS W. HIRSCH
Morris W. Hirsch, Secretary
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