If you backfeed a new breaker added to the top bus, it is a supply-side 
connection. The bus bars in the top are exposed to the full fault current 
capacity of the utility drop. You wouldn't be limited by the 120% exception.

Or you can backfeed a breaker on the bottom bus, and then it is a load-side 
connection. The main breaker for this subpanel would be the 60 A breaker in the 
top. The 120% rule applies.

Scott

On Oct 28, 2010, at 5:19 PM, Dana Brandt wrote:

> Hi everyone,
> 
> I'm working on two systems for homes that have the old style breaker panels 
> with no single main breaker. Instead, they have six breakers in the upper 
> part of the panel each labeled "main breaker," which satisfies the six 
> disconnect rule. The bus bar is split, with one of the six upper breakers 
> (60A) feeding a separate bus in the lower half of the panel. It appears that 
> the upper bus is rated for 200A, and the lower at 100A.  The sum of the main 
> breakers does not exceed the 200A rating of the upper bus. There are spare 
> breaker slots on both the top and bottom buses. How do I deal with 690.64 (B) 
> (2) when there's no main breaker? 
> 
> Thanks!
> 
> Dana
> 
> Dana Brandt
> Ecotech Energy Systems, LLC
> www.ecotechenergy.com
> d...@ecotechenergy.com
> 360.510.0433
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