The U.S. Treasury security yield values for November 2009 may be viewed online here.  The December 2009 values will be posted on our site on December 15, 2009, after the Federal Reserve Board publishes the values in its weekly release.  The yield is determined as of the 15th day of the month immediately preceding the month in which the creditor receives the application.  The yield value is used for Section 32 and most state high-cost tests.  Accordingly, the November 2009 values will be used for loan applications received by the creditor in December 2009, and the December 2009 values will be used for loan applications received by the creditor in January 2010.