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Place flour, sugar and salt in a bowl and stir. Set aside.
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Place whole eggs and egg whites in a separate bowl and whisk (or mix on low speed).
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Make a well in the center of the flour mixture and add eggs. Mix eggs and flour while pouring in the milk, stirring to combine until it is free of lumps. Let stand for 5 minutes.
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Spray a non-stick skillet with non-stick cooking spray. For each crepe, heat skillet on medium high. Add a 1/4 cup (4 oz) of batter to saute pan. As the edges cook, use a spatula to lift the edges of the crepe.
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After about 1 minute, flip the crepe over, and cook for a further 30 seconds. Transfer to a plate and start over until the batter is done.
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To make filling, heat oil in non-stick saute pan. Add fresh bananas and brown sugar and heat until slightly browned. Stir in lemon juice.
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Fill each crepe with 1/2 cup banana mixture. Wrap each crepe by bringing up bringing in sides first and then rolling away from you to seal edges. Drizzle 2 tsp. chocolate to top each crepe.