Yes that’s correct, 2 panels in the basement that both have there own meter (one for the basement suit and one for the upstairs) and plus one sub panel for upstairs as well. The main feed is a 3c with ground. I was thinking about the ground bar idea but as soon as I start changing things in this panel then I will have to get this inspected as well. My plan was to only change wiring in the basement and only pull a permit for this basement reno.