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Line muffin tray with 12 paper muffin cups.
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Beat egg in a large bowl. Stir in milk, oil and banana.
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Stir in remaining ingredients until flour is just dissolved. Fold in the chocolate chips.
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Spoon into muffin cups. Sprinkle muffins with additional chocolate chips.
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Bake for about 20 minutes in a preheated 400F oven. Immediately remove from pan.