Step one: Preheat the oven to 350°F.

Step two: To make cheese sauce: in a small or medium saucepan, bring water to boil. After water is boiling, remove from heat. Add Hoosier Hill Farm Three Cheese Sauce Mix to boiling water. Whisk sauce mixture until smooth.

Step three: Layer refried beans, diced tomatoes, chilis, cheese sauce and grated cheese in a casserole dish in that order.

Step four: Bake at 350°F for 25 minutes, let cool and enjoy it with chips!