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Heat oven to 350 degrees. Spray bottom of 13x9x2 pan with cooking spray.
For topping:
Measure ingredients into small bowl. With clean fingers, mix until crumbly; set aside.
For cake:
Measure flour, oats, baking powder and salt into large bowl. Stir.
In small bowl blend brown sugar and eggs with wire whisk. Whisk in 1 ¼ cups milk, butter and vanilla. Add to flour mixture all at once; add apples. Stir gently just until combined.
Pour into pan. Sprinkle with 1 cup chips; crumble reserved topping evenly over chips.
Bake 40 minutes or until golden brown and wooden pick inserted in center comes out with a few crumbs clinging to it. Remove from oven to wire rack.
In small microwavable bowl, place remaining 1/3 cup chips and 1 ½ teaspoons milk. Microwave on high 20 seconds; stir until smooth. Carefully drizzle over hot cake in pan. Cool in pan at least 30 minutes.
Cut into squares; serve warm or at room temperature with ice cream, if desired.
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