It comes with a 100 amp main breaker and 5 single pole 20 amp breakers. It does not come with double pole breakers like you need for your 240 volt circuits. It does have spaces for 20 full size single pole breakers, it does not accept tandem single poles. So 2 double pole 15 amp breakers will take up 4 of those 20 spaces. Leaving you 16 spaces for 120 volt single pole branch breakers or a combination of more double poles for 240 volt branch circuits and 120 volt branch circuits.
" One nice thing about the NEC articles ... you have lots of choices"