Instructions: Combine first 4 ingredients in a medium bowl. Press mixture into an ungreased 13x9 pan. Bake at 350 degrees for 10 minutes. Combine condensed milk and coconut, mixing well; spread over crust. Bake at 350 degrees for 10 to 12 minutes. Combine chocolate morsels and peanut butter in a small saucepan. Cook over low heat, stirring constantly, until chocolate melts; spread over coconut layer.

Garnish, if desired. Cool and cut into bars.

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