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MICROWAVE chocolate and milk in medium microwavable bowl on HIGH 4 minutes, stirring after 2 minutes. Whisk or stir until chocolate is completely melted and mixture is well blended.
STIR in flavored instant coffee. Pour into 4 large cups or mugs.
GARNISH each serving with 2 Tbsp. thawed COOL WHIP Whipped Topping and 1/2 tsp. grated chocolate, if desired.