1 can refried beans mixed with 1 pkg. taco seasoning
6 oz. sour cream
4 oz. jalapeno dip
1 diced tomato
1/2 chopped onion
6 oz. can jalapeno peppers, chopped
8 oz. grated Monterey Jack cheese
Black olives (opt.)

Mix sour cream and jalapeno dip and spread over beans. Add remaining ingredients. Serve on chips.