Step 1

Preheat oven to 350°.

Step 2

Arrange bread cubes in a single layer on a baking sheet. Bake at 350° for 5 minutes or until toasted.

Step 3

Remove bread from oven; decrease oven temperature to 325°.

Step 4

Combine milk and next 5 ingredients (milk through egg) in a medium bowl, stirring well with a whisk.

Step 5

Add bread, tossing gently to coat. Cover and chill 30 minutes or up to 4 hours.

Step 6

Divide half of bread mixture evenly between 2 (6-ounce) ramekins coated with cooking spray; sprinkle evenly with half of chocolate.

Step 7

Divide remaining bread mixture between ramekins; top with remaining chocolate.

Step 8

Place ramekins in an 8-inch square baking pan; add 1 inch of hot water to pan.

Step 9

Bake at 325° for 35 minutes or until set. Serve warm with 1 tablespoon whipped topping.