Preheat oven to 350F, spray a regular size loaf pan with some cooking spray.In a bowl whisk together your egg and egg whites, stir in your brown sugar and mix well.Mix in banana, apple sauce and vanilla.Stir in flour, baking powder and soda and crushed graham crumbs but leave 1 Tbsp aside for topping, I crush mine the old fashioned way, in a small zip lock and use a heavy glass.Mix well then fold in your chocolate chips, pour batter out into your loaf pan.Bake in oven for 45 minutes.Let cool for 30 minutes then remove loaf from tin.Melt your marshmallow fluff in microwave for approx 30 seconds, it will rise then spread quickly over your loaf, then melt your chocolate in a small dish, I do 35 second intervals turning each time til melted. Drizzle over loaf then sprinkle your remaining graham crumbs over top. Cut into 10 equal pieces.Makes 10 slices at 4 smart points each (3 points plus) best stored in fridge.Nutritional info per serving (not incl banana) Calories 98... Fat 2g... Sat fat 1g... Carbs 18.8g... Fiber 1.4g...Sugars 5.7g...Protein 2.8g*Please note when figuring out nutritional info I do not include fruit as there is no smart point value in fruits and I don't want it to change the numbers for when someone inputs them into the WW calculator, if you need the true macros just add in the banana count.