HEAT oven to 350ºF.
COOK and stir red peppers, onions and garlic in hot oil in large skillet on medium heat 5 min. or until crisp-tender. Stir in black pepper; cool.
MIX egg, 1/2 cup ketchup, soy sauce and Worcestershire sauce in large bowl. Stir in vegetable mixture. Add turkey, cracker crumbs and 3/4 cup cheese; mix well. Shape into 10x5-inch loaf in shallow pan; top with remaining ketchup.
BAKE 55 min. to 1 hour or until done (160ºF), topping with remaining cheese after 50 min.