1 can refried beans
3 sm. size dips (each different)
1 c. shredded Cheddar cheese
1/2 c. chopped tomatoes
1/2 c. sliced black olives
1/2 c. chopped green pepper

Heat refried beans enough to make them creamy. Spread in bottom of 9x13 inch glass dish. Mix the three boxes of dips together and spread over the refried beans. Top with Cheddar cheese, tomatoes, olives and green pepper. Serve with Tostado chips.