Step 1

Grease 13x9-inch pan. Place half of the crackers in bottom of greased pan.

Step 2

In medium saucepan, combine sweetened condensed milk, brown sugar, butter and 1/4 cup milk. Cook over low heat until butter is melted, stirring frequently. Increase heat to medium-high; bring to a boil. Boil 5 minutes, stirring constantly. Remove from heat. Stir graham cracker crumbs into caramel mixture.

Step 3

Pour half of caramel mixture over crackers in pan. Arrange remaining crackers over caramel. Top with remaining caramel mixture.

Step 4

In small saucepan, heat chocolate chips and 2 tablespoons milk over low heat until chocolate is smooth, stirring frequently. Stir in peanut butter. Spread over bars. Refrigerate 30 minutes or until set. Cut into bars.