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In a bowl, combine together pancake mix, egg, oil, and water. Do not over mix.
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On a non-stick lightly greased pan over low heat, pour 1/3 cup of the pancake batter sprinkle chocolate chips on top.
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Once the pancake is bubbly and the sides are dry flip the pancake to cook the other side.
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Stack the pancakes in a plate/platter.
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In a microwave safe bowl, place peanut butter and oil. Heat until it forms a smooth sauce.
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Serve pancakes with peanut butter sauce.