Combine refried beans and salsa; mix well. Arrange 1/2 bag of nachips on large microwave safe platter. Spread half of bean mixture on chips. Top with 1 cup shredded cheese. Add drained jalapenos if desired. Microwave on high for 2 to 3 minutes or until cheese is melted. Repeat layering with remaining ingredients. Microwave second time on high for 4 - 5 minutes or until cheese is melted and bubbly.
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