[panel-id]-submitted.bed is a 4-column .bed file with chromosome, target start position, target end position, and target ID with the track name and description as the header. This file lists the coordinates for the submitted targets, which can be submitted in the form of gene, region, dbSNP, and HGVS. The user-defined targets are converted to coordinates before the panel design and are listed in this file.
It shows zero-based, half-open coordinates for the submitted targets.
View more details about the coordinate system here.