Cut the crusts off all the bread slices and then flatten then out slightly .

Peel the banana and discard the skin , then cut the banana into long slices , destalk the strawberries , discard the stalks and cut the strawberries into slices , peel the kiwi fruit and discard the skin then cut the kiwi fruit into slices , and drizzle all the sliced fruit with a little lemon juice and set aside till needed .

In a medium bowl add the sugar and the ground cinnamon and mix to combine well , then set aside till needed .

Place the eggs into a bowl and whisk them then add the milk and whisk to combine well , set aside till needed .

Using one of the prepared slices of bread at a time , place the teaspoon of either the chocolate or cream cheese about 1cm from one end of the bread slice .

Next take some of either the banana , strawberry or kiwi fruit slices or a mix of the fruit slices , and place them ontop of the chocolate/cream cheese on the bread slice , then repeat the above two steps to all the remaining prepared bread slices .

Now , starting at the end with the chocolate/cream cheese and fruit , very carefully roll the bread slice up and around the fruit mix in the bread and press to seal slightly . Repeat with all bread filled slices .

Now carefully dip the prepared rolled fruit filled bread into the egg mix and coat all over , then drain off any excess egg mix , repeat with all remaining prepared bread filled rolls just before adding them to the heated buttered pan .

Heat the butter on medium in a fryingpan/skillet until lightly melted , then carefully add the prepared egg dipped bread filled rolls into the heated pan and cook for a couple minute ,turning , until golden all over . Only do a few at a time , do not over crowd the pan .

Once golden all over , remove from the pan and place them straight into the prepared cinnamon sugar mix and roll around to coat evenly all over . And set on a serving plate .

Once all the prepared filled dread rolls are cooked and coated , place on a serving plate and serve hot , warm or cold with cream , ice cream or toppings of your choice . Enjoy . :-) .