1 (8 oz.) pkg. Philadelphia brand light Neufchatel cheese
1/2 c. Kraft free nonfat mayonnaise dressing
1/2 c. (2 oz.) Kraft light naturals shredded mild reduced fat Cheddar cheese
1/2 c. finely chopped apple

Blend Neufchatel cheese and dressing. Stir in cheese and apples; refrigerate. Serve on toasted bagelette halves. Makes 1 2/3 cups.