8 oz Cream Cheese
1 c sour cream
1 pkg taco seasoning (1.25 oz package)
1 1/2 c refried beans
3 c lettuce, finely chopped
2 medium tomatoes, chopped
8 oz grated cheddar cheese

With cream cheese at room temperature combine cream cheese, sour cream and taco seasoning, mix well. Spread evenly on a platter, layer refried beans over cream cheese mixture. Next add finely chopped lettuce then tomatoes and top with grated cheddar cheese.

Serve immediately with Mexican Chips.