Spread cream cheese onto bottom of microwaveable small dish or 9 inch pie plate.

Sprinkle with cheddar cheese, ham and parmesan cheese.

Microwave on high 1 minute or until heated through.

Spread the top with bell peppers, onions and ground pepper, sprinkling each topping in a row over 1/3 of spread.

Serve with crackers.

*substitutes* You can also use chopped roasted red peppers, sliced jalapeno peppers or salsa in place of red bell peppers*.