1/2 c. butter
1 1/2 c. graham cracker crumbs
1 (14 oz.) can sweetened condensed milk
1 (12 oz.) pkg. semi-sweet chocolate chips
1/2 c. creamy peanut butter

Preheat oven to 350°F. In 9 x 13 baking pan, melt butter in oven. Sprinkle crumbs evenly over butter. Top with sweetened condensed milk.

Bake 25 minutes or until lightly brown. In a small saucepan, over low heat, melt chips with peanut butter. Spread evenly over condensed milk layer. Cool 30 minutes. Chill thoroughly. Cut into bars. Garnish as desired. Store, loosely covered, at room temperature.