LINE large glass bowl with plastic wrap. Drizzle inside with melted chocolate; chill.

MASH bananas; set aside.

IN large mixer bowl add milk, rum, pudding powder and cheese. Beat on medium until smooth. Stir in bananas.

FOLD in whipped topping; spoon into bowl. Freeze until firm.

REMOVE from freezer, unmold and remove plastic wrap. Let stand at room temperature 5 minutes before slicing to serve.