PLACE bowls on baking sheet. Sprinkle bottom of each waffle bowl with a few morsels. Place bowls under broiler for 15 to 30 seconds, just until morsels soften. (You can skip this step, but I always do this so the bottom layer of chocolate is melted.)
PLACE a few banana slices in the bottom of each bowl, followed by a few strawberry slices and top with a few morsels. Repeat layers. Sprinkle marshmallows on top of each fruit-filled bowl.
BROIL for 30 seconds or just until the marshmallows turn golden brown. Watch carefully as browning occurs very fast! Eat as is, or topped with whipped topping.