Preheat oven to 350.
Start by mixing the tbsp of ground flax with 3 tbsp warm water. Put aside for 5 minutes.
Mash the bananas in a large bowl. Add the rest of the wet ingredients.
In another bowl, mix the dry ingredients. Stir the flax egg into the wet ingredients. Then stir in the dry ingredients until just combined. Stir through chocolate chips
Then a greased or parchment lined 9x5 bread tin, spread the batter. Take the peanut butter in 4 separate tablespoons and dollop into of the mix. Spread out. Take a knife and swirl throughout the bread, up and down, all around.
Bake for 40-45 minutes, remove, cool for at least 15 minutes in the tin. Remove and enjoy!