Ingredients:

  Amount  Measure       Ingredient -- Preparation Method
--------  ------------  --------------------------------
   1      16 oz can     refried beans
   1      teaspoon      ground cumin
   1      teaspoon      cayenne pepper
   1      teaspoon      garlic powder
   1      teaspoon      onion salt
   2      tablespoons   chopped jalapeno pepper
     1/2  cup           shredded Monterey Jack cheese

Preparation:

Place beans in a medium-sized saucepan. Heat thoroughly. Add cumin, pepper, garlic powder, onion salt and Jalapeno peppers. Mix well. Sprinkle with cheese. Serve warm with taco chips.