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Beat the cream cheese until fluffy.
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Add the milk, lemon juice, and vanilla and beat until thoroughly combined.
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Slice 2 bananas and drain the can of mandarin oranges.
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Line the pie shell with 2/3 of the orange slices and the bananas.
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Pour the cream cheese mix over the fruit.
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Chill the pie and remaining fruit.
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When serving, slice the remaining banana and decorate the pie with the remaining oranges and banana slices.
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Add whipped topping if desired.