Mix well condensed milk and cream cheese.
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Clean off biscuit's filling (only needs biscuits without filling).
Start layering in bowl or aluminium tray.
Thin layer of condensed milk and cream cheese mixture. Then, quick dip biscuits in fresh milk and layered the biscuits.
Repeat layering process till the condensed milk and cream cheese mixture is finished.
Crushed the leftover biscuits, and sprinkle them on top of the layering together with chocolate chips. Refrigerate for 4-5h before serving.
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