Instructions: Beat cream cheese until smooth with mixer. Gradually blend in 1/2 cup of milk and 1/2 a cup of the cookie crumbs. Add the vanilla pudding, mix, and then add in the remaining milk.

Line bottom of straight sided flat bottomed glass bowl with half of the lady fingers, half of the strawberries and half of the bananas.

Spread half of the cream cheese mixture then repeat the fruit layer. Add the remaining cream cheese mixture to the top and then garnish with chocolate chip/shavings and the remainder of the chocolate crumbs (1/4 cup).

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