1 (8 oz.) pkg. cream cheese
1 (15 oz.) can refried beans
1 pkg. taco seasoning
1 sm. can green chilies, chopped (optional)
1/2 c. green pepper, chopped (optional)
1 sm. can pitted black olives, chopped (optional)
2 c. shredded Cheddar cheese

Spread cream cheese into two 8 inch glass pie plates or one 12x9 inch glass dish. Mix taco seasoning with refried beans, then spread over cream cheese.

Layer remaining ingredients in order with cheese on top. Place in oven at 350 degrees until cheese melts or place in microwave until cheese melts. Serve with Doritos, Tostitos or crackers.