Instructions: Preheat oven to 350 (325 for glass dish). In 9 x 13 pan, melt margarine in oven. Sprinkle crumbs over margarine evenly. Top with coconut then sweetened condensed milk. Bake 25 minutes or until lightly browned. In small saucepan, over low heat, melt chocolate chips with peanut butter.

Spread evenly over hot coconut layer. Cool 30 minutes.

Chill thoroughly. Cut into bars. Store loosely covered at room temperature

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