Beat cream cheese with the sweetened condensed milk until smooth and creamy. Add four cups of milk and 2 boxes of vanilla pudding. Blend well. Refrigerate until thickened. After the mixture has thickened, stir in the Cool Whip.

Now you are ready to layer your bowl or pan. Starting with vanilla wafers on bottom, bananas on top and then pudding. Continue this pattern of layering until you all ingredients are used, ending with a top layer of pudding mix. Crush some wafers on top.

Cover and refrigerate until ready to serve.

Submitted by: shellanne