1 (14 oz.) can Eagle Brand condensed milk
1 1/2 c. cold water
1 sm. pkg. instant vanilla pudding
1 (12 oz.) Cool Whip
1 (8 oz.) Philadelphia cream cheese
3 med. bananas
1 pkg. vanilla wafers

In large bowl mix Eagle Brand milk and cold water until smooth. Add vanilla pudding mix, stir until smooth. Then add Cool Whip and Philadelphia cream cheese. Stir until combined together and smooth.

In serving dish put a layer of wafers then a layer of bananas and then spread a layer of pudding mix. Keep adding layers until all pudding mixture is used up. Chill and serve.