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POUR milk into large bowl. Add dry pudding mix. Beat with wire whisk 2 min. or until well blended. Gently stir in the whipped topping. Let stand 5 min.
LAYER half each of the pudding mixture, graham crumbs and bananas in four individual dessert dishes; repeat all layers.
REFRIGERATE at least 1 hour or until ready to serve. Store leftover desserts in refrigerator.