This is new to me. I was inspecting a one-year old home to confirm the owner's suspicions that it was a piece of crap. (it was).
the panel is wired with NM. There are two consecutive, single pole breakers, one with a red wire, one with a black wire. No handle tie. In my head, I was already writing a blurb about the missing tie for a MWBC or a 240 circuit.
The legend says the breakers feed garage lighting and exterior receptacles.
The breakers supply an NM cable that has a black, red, two neutrals and a ground. I haven't ever seen it before.
The lesson for me is to never assume. It's the leftist? most left? on the left? cable in the photo.