There just isn't enough information in a picture of one leaf to have an idea of what's going on. A picture of the whole plant and close-ups of it (with several affacted leaves) would provide an idea of what patterns there are.

Are you planting in soil or containers?
What is your soil like?
What are you feeding the plant, if anything?
How's the moisture level?
Is the yellowing starting at the bottom, or on one side, or all over?
What area of the country are you in (zone 9 covers a lot of places)?
How large are the holes, and are they clustered on one part of the plant?
What do the spots look like: color, shape, dead or just discolored?

The more descriptions you can give us of your situation, the better we can help you.

--Alison